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| Feature | Star Health and Allied - Star Health Assure | Tata AIG - MediCare Select |
|---|---|---|
| Room Rent Limit | NA | No limit |
| ICU Limit | NA | No limit |
| Co-Pay | Yes | NA |
| Disease Sub-limit | NA | Yes |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 3 | 3 |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Organ Donor Cover | 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 | Unlimited times in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | Yes | Yes |
| Bonus Max Limit | 100% | NA |
| % Settled < 30 Days | 97.69% | 80.55% |
| % Complaints on Claims | 0.52% | 0.10% |
| Incurred Claim Ratio | 70.53% | 80.65% |
| Claim Settlement Ratio (No.) | 87.17% | 81.42% |
| Claim Settlement Ratio (Value) | 84.62% | 78.74% |
| Claim Rejection Ratio | 11.32% | 15.24% |
| Cashless Hospitals | 14,000+ | 12,000+ |
| Affordability | Expensive | NA |
| Plan Type | Individual | Individual |