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Star Health Insurance vs Care Health Insurance: Which is Better?

Updated On Nov 22, 2023

Health insurance is an essential insurance plan that provides peace of mind and financial security in times of medical emergencies. In India, several insurance providers offer a wide range of health insurance policies, each with its unique features and benefits. Two prominent players in the Indian health insurance market are Care Health Insurance and Star Health Insurance. To help you decide which insurer is best for you, we will explore the key differences between these two insurance providers so that you make an informed decision.

About Care Health Insurance

Star Health Insurance vs Care Health Insurance: Which is Better?

Formerly known as Religare Health Insurance, Care Health Insurance is a leading health insurance provider in India. It was established in the year 2012 and since then the company has gained a reputation for its comprehensive health insurance policies and customer-centric approach. Care Health Insurance offers a wide range of health insurance products designed to cater to the diverse healthcare needs of individuals and families. It offers senior citizen, individual, and family health plans and others to meet their health insurance needs. 

About Star Health Insurance

Star Health and Allied Insurance Co. Ltd., commonly known as Star Health Insurance, is one of the largest standalone health insurance companies in India. Founded in 2006, Star Health Insurance has grown rapidly and earned the trust of millions of policyholders. The company specializes in health insurance and offers various policies tailored to meet the specific healthcare requirements of its customers.

Star Health Insurance vs Care Health Insurance

Plan Features

Star Health Insurance

Care Health Insurance

Claim Settlement Ratio (CSR)



Network hospitals



Sum insured

Up to Rs. 2 crore

Up to Rs. 6 crore 

Preventive health check-up



Renewal discounts

Up to 20%

Up to 30%

Listed below are some of the features and differences between Care and Star health insurance:

Network Hospitals

Network hospitals in health insurance are those that have tie-ups with health insurance companies and provide cashless treatment to the policyholder. At the network hospitals, policyholders can easily focus on getting quality treatment without worrying about medical expenses. Access to a network of hospitals is thus vital as it determines the ease of availing cashless treatment. Care Health Insurance has tie-ups with a vast network of hospitals across India. It has tie-ups with over 22,900 network hospitals. On the other hand, Star Health Insurance has over 14,000 network hospitals that offer the ease of cashless treatment. 

The more the number of network hospitals, the easier it becomes for policyholders, thus policyholders can analyze this number while making a decision. 

Claim Settlement Process

A hassle-free and efficient claim settlement process is crucial during medical emergencies. To know about the efficiency of insurers in settling claims, it is thus important to check the claim settlement ratio. This ratio refers to the number of claims raised to the number of claims settled and thus a company with a higher claim settlement ratio is beneficial for policyholders. 

Care Health Insurance has a streamlined claim settlement process. They offer cashless hospitalization and reimbursement options. The company's customer support team is known for its responsiveness and assistance in the claim settlement process. Its claim settlement ratio is 95.22%. 

Star Health Insurance is also committed to providing quick and hassle-free claim settlements. The company has received accolades for its prompt claim settlement services and its claim settlement ratio is 89.90%. 

Sum Insured

Sum insured refers to the maximum amount up to which an insurer will provide health insurance coverage. It is the sum insured that determines the health insurance premium you need to pay toward your plan. While Star Health Insurance provides a sum insured of Rs. 2 crore, Care Health Insurance has a maximum sum insured of Rs. 6 crore. To get adequate health insurance coverage, you must be careful while choosing the sum insured. 


You should also check the different discounts that insurers offer. The more the discounts, the more you will be able to save on health insurance premiums. There are different types of discounts that health insurance companies offer such as renewal discounts, wellness discounts, and others. Star Health Insurance offers renewal discounts of 20% and Care Health Insurance has 30% renewal discounts.

Top-selling Plans

Both Care and Star offer a variety of health insurance plans such as individual health plans, family health plans, and more. Some of the plans that Star offers include Star Young Star, Star Comprehensive, and more. The top-selling plans of Care Health Insurance include Care Supreme, Care Advantage, Care Classic, and a few others. 


In the context of Care Health Insurance vs. Star Health Insurance, both companies offer competitive health insurance policies that cater to diverse healthcare needs. The choice between them ultimately depends on your specific requirements, budget, and preferences. It is advisable to carefully assess and compare the policies, considering factors such as coverage, premiums, network hospitals, and customer reviews. Regardless of your choice, having health insurance is a prudent financial decision that provides security and peace of mind in the face of medical uncertainties. Remember to read the policy documents thoroughly and consult with insurance professionals if needed to make an informed decision that aligns with your healthcare needs.


  • Which is better Care or Star Health insurance?

Both Star and Care health insurance have their own benefits, so it totally depends on the policyholder’s need and budget while they are making the decision.

  • How many network hospitals are tied up with Star Health Insurance?

Star Health Insurance has tie-ups with over 14,000 network hospitals.

  • What is the claim settlement ratio of Care health insurance?

The claim settlement ratio of Care health insurance is 95.22%.

  • Can I get renewal discounts with both Star and Care Health Insurance?

Yes, both Star and Care offer renewal discounts, however, the discount rates from one insurer to another.

  • What are some of the best plans for Care health insurance?

Some of the best plans of Care health insurance are Care Supreme, Care Advantage, Care Classic, and more.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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