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 | Star Health and Allied - Star Health Red Carpet |
|---|---|---|
| Room Rent Limit | No limit | Capped |
| ICU Limit | No limit | NA |
| Co-Pay | No | Yes |
| Disease Sub-limit | No | Yes |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 3 | 1 |
| Pre-Hospitalisation | 60 days (Covered up to: sum insured) | 30 days (Covered up to: sum insured) |
| Post-Hospitalisation | 180 days (Covered up to: sum insured) | 60 days (Covered up to: 7% of hospitalisation expenses – with a maximum limit of Rs) |
| Daycare Procedures | Yes | Yes (Covered up to: sum insured) |
| Domiciliary | Yes (Covered up to: sum insured) | Yes |
| Organ Donor Cover | Yes (Covered up to: sum insured) | NA |
| Modern Treatments | Yes | NA |
| Refill on Exhaustion | Available | NA |
| Refill Illness Applicability | Related and unrelated illness | NA |
| Refill Trigger | Partial exhaustion of Sum Insured | NA |
| Refill Limit | Unlimited times in a policy year (Add-on) | NA |
| Refill Applicable Claim | Subsequent claims | NA |
| Consumables | Yes | Yes |
| Bonus Rate | 50% | NA |
| Bonus Max Limit | 100% | 7% |
| Reduction in Bonus on Claim | No | 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 | Expensive | Expensive |
| Plan Type | Individual | Individual |
| Extra Features | Double the sum insured from your first day of coverage | NA |