HDFC Ergo vs Star Health Insurance

Posted by IIFL Insurance on September 24th, 2021


An online search for health insurance plans will provide you with ample options. But this can also be quite confusing and intimidating. Moreover, given the paucity of time, you might not be able to review the entire policy. So, here is a quick guide that lists the key differences between Star Health and HDFC ERGO health insurance plans. Star Health Insurance has 11 healthcare plans, including individual, family, senior citizens, diabetes, COVID-19 plans, etc. HDFC offers six plans including individual, family, senior citizens, critical illness, COVID-19 plan, etc. Here are some differences between hdfc ergo vs star health insurance insurance plans that you can see in and select one of the best as per your requirement.

 Following are the difference between Star Health and HDFC ERGO health insurance plans

Star Health Insurance Plans

  • Available for people between the ages of 18 and 65
  • Covers self, spouse and three dependent children between 3 months to 25 years of age
  • Includes pre-and post-hospitalisation costs, child delivery and newborn expenses, organ donor expenses, health check-ups, bariatric surgery, AYUSH treatment, etc. 
  • Offers a personal accident cover including accidental and permanent total disablement
  • Covers air ambulance and second medical opinion costs
  • Offers 100% automatic restoration of the sum insured, subject to conditions

HDFC ERGO Health Insurance Plan

  • Available to everyone over the age of 18, with no higher age limit.
  • Pre- and post-hospitalization expenditures, in-hospital expenses, day-care treatments, AYUSH therapy, cashless home healthcare, free health check-ups, organ donor expenses, and other charges are included.
  • Covers the costs of mental health care and treatment.
  • Allows healthy people up to 45 years old to get insurance without having to take a medical exam.
  • Provides financial assistance in the event of a 10-day or longer stay in the hospital.
  • It has the capacity to be renewed indefinitely.

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IIFL Insurance
Joined: June 23rd, 2021
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