Policy compare
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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | HDFC Ergo - Energy (Gold) | Star Health and Allied - Star Health Assure |
|---|---|---|
| Room Rent Limit | Capped | NA |
| Co-Pay | Yes | Yes |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 2 | 3 |
| Daycare Procedures | NA | Yes (Covered up to: sum insured) |
| Domiciliary | Yes | Yes (Covered up to: sum insured) |
| Organ Donor Cover | No (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Modern Treatments | Yes (Covered up to: sum insured) | NA |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | First paid claim | Subsequent claims |
| Consumables | NA | Yes |
| Bonus Max Limit | 100% | 100% |
| Reduction in Bonus on Claim | No reduction | NA |
| % Settled < 30 Days | 96.63% | 97.69% |
| % Complaints on Claims | 0.15% | 0.52% |
| Incurred Claim Ratio | 87.04% | 70.53% |
| Claim Settlement Ratio (No.) | 95.19% | 87.17% |
| Claim Settlement Ratio (Value) | 77.69% | 84.62% |
| Claim Rejection Ratio | 2.47% | 11.32% |
| Cashless Hospitals | 15,000+ | 14,000+ |
| Affordability | NA | Expensive |
| Plan Type | Individual | Individual |