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| Feature | Care - Insurance Care Plus | Star Health and Allied - Star Health Assure |
|---|---|---|
| Room Rent Limit | No limit | NA |
| ICU Limit | No limit | NA |
| Co-Pay | NA | Yes |
| Disease Sub-limit | Yes | NA |
| Initial Waiting (Days) | NA | 30 |
| Specific Disease Waiting (Years) | NA | 2 |
| Pre-existing Disease Waiting (Years) | 3 | 3 |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | No | Yes (Covered up to: sum insured) |
| Organ Donor Cover | No (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Modern Treatments | No | NA |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | NA | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | No | Yes |
| Bonus Max Limit | NA | 100% |
| Reduction in Bonus on Claim | No reduction | NA |
| % Settled < 30 Days | 100% | 97.69% |
| % Complaints on Claims | 0.47% | 0.52% |
| Incurred Claim Ratio | 66.28% | 70.53% |
| Claim Settlement Ratio (No.) | 95.19% | 87.17% |
| Claim Settlement Ratio (Value) | 87.97% | 84.62% |
| Claim Rejection Ratio | 3.10% | 11.32% |
| Cashless Hospitals | 22,100+ | 14,000+ |
| Affordability | Expensive | Expensive |
| Plan Type | Individual | Individual |