Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | HDFC Ergo - Optima Secure Global Plus | Star Health and Allied - Star Health Women Care |
|---|---|---|
| Room Rent Limit | NA | Capped |
| Co-Pay | NA | No |
| Specific Disease Waiting (Years) | NA | 2 |
| Pre-existing Disease Waiting (Years) | 3 | NA |
| Domiciliary | NA | Yes |
| Organ Donor Cover | NA | Yes (Covered up to: sum insured) |
| 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 | Unlimited times in a policy year (Add-on) | Once in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | NA | Yes |
| Bonus Max Limit | NA | 50% |
| % 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 |