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Last updated on: May 20, 2025
The Reliance Health Gain Plan and Star Assure Insurance Policy are both comprehensive health insurance offerings in India, but they cater to slightly different needs. The Reliance Health Gain Plan is known for its flexible sum insured options, wide hospital network, and features like unlimited restoration of the sum insured, wellness benefits, and coverage for alternative treatments. Meanwhile, Star Assure Insurance Policy stands out for its high sum insured range, short waiting periods for pre-existing illnesses, and optional benefits like global treatment cover and maternity care. While Reliance offers flexibility and wellness perks, Star Assure appeals to those seeking maximum coverage and added international benefits. Choosing between them depends on priorities like the required coverage amount, additional features, and budget, making both strong options for health security.
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Read BioThere are many new products and customisation features launched in 2025, so picking the correct health insurance in India may seem complicated. The Reliance Health Gain Plan and Star Assure Insurance Policy are two of the most commonly featured names on best comparison lists. They are both common selections among individuals and families aiming to buy a full health cover, though their features, prices, and other benefits vary. This is a rather human centered comparison guide with the focus of identifying the kind of policy that can be suitable to your health and financial needs.
Reliance Health Gain and Star Assure are both rated as the best health insurance policies in India that will help to offer a wide range of medical cover. On Reliance Health Gain Plan, the sum insured is flexible and the benefit add-ons are innovative compared to Star Assure plan where the sum insured is high with value-based features, which include unlimited automatic restoration.
But which of these is actually better regarding your, or your family, long-term healthcare security in the year 2025? Let us break it down:
Did you know?
It has become more convenient to use all health technology to find a digital consultation and cashless hospital in 2025, both plans currently have over 10,000 network hospitals in India.
Comparing the two on different parameters is crucial to choosing the best health insurance:
| Characteristic | Reliance Health Gain | Star Assure Insurance Policy |
|---|---|---|
| Sum Insured | 3 lakh - 1 crore | 5 lakh - 2 crore |
| Type of Cover | Individual, Floater | Individual, Floater |
| Room Rent Limit | Private room and more | No limit (greater variants) |
| Return of Sum Insured | Once / unlimited options | Unlimited automatic |
| Pre & Post Hospitalisation | 60/90 days | 60/90 days |
| Day Care Procedures | 500+ | 600+ |
| Outpatient (OPD) Cover | Add-on available | Selected variants |
| No Claim Bonus | 0-100 percent | 0-100 percent |
| Health Checkup | Annual to all covered | Annual |
| Maternity/Newborn cover | After 3 years (Optional) | After 2 years/3 years |
| Digital Wellness Services | No (app/portal) | No (app/portal) |
| Waiting Period (PED) | 36 to 48 months | 36 months (with reduction) |
| Critical Illness Support | Add-on | Built-In (select variants) |
| Premium Range (Approx.) | 8,000 - 1,20,000 INR/year | 9,500 - 2,50,000 INR/year |
Both offer floater options. Young families might be able to pay lower prices at Reliance Health Gain. Star Assure suits more insured in joint families.
Yes, the two insurers cover more than 10,000 network hospitals such as non-metro hospitals.
Star Assure also covers OPD on its higher variants, and Reliance Health Gain also offers OPD cover as an optional paid cover.
In 2025, network access to the hospital and OPD cover are becoming more valuable to health insurers. In the online insurance market, more than 60 percent of customers now compare the cashless facility ratings of an insurance product before selecting one.
Pros
Cons
Pros
Cons
Did you know?
Unlimited restoration and room rent restrictions are some of the features that senior citizens tend to consider when selecting health plans in 2025. Misunderstanding these clauses is the cause of more than 35 percent of insurer complaints.
The waiting time on Star Assure maternity and newborn cover is less than that of Reliance Health Gain.
The two schemes promote wellness programs and Reliance provides health discounts on habits that are being measured in their online portals.
Yes, both the policies have the sum insured at renewal, though medical underwriting might be required.
The family of Iyers is residing in Bangalore and they want their parents (both aged 36), and two kids (7 and 3 years old) to have a health cover. They want 20 lakh sum insured under OPD and newborn cover.
Decision:
Iyers selected Star Assure as shorter maternity wait.
| Benefit | Reliance Health Gain | Star Assure Insurance |
|---|---|---|
| Cashless Hospitals | 10,000+ | 12,000+ |
| Day Care Procedures | 500+ | 600+ |
| Advanced Treatments | Optional | Built-In (higher vars) |
| Digital Services | Health app, diet | Wellness app, coach |
| Customer Service Rating* | 4.3/5 | 4.5/5 |
*According to the online reviews and survey results related to the insurance aggregator portals in 2025.
According to insurance advisors, insurance aggregators are used by many buyers in 2025 to compare the coverage features, premiums, and claim records. Comparison tables and user reviews now become an important part of decision making.
There is always dependency upon sum insured, age, city class, and persons covered where premiums are made.
| Scenario | Reliance Health Gain | Star Assure Insurance |
|---|---|---|
| Single Adult, 30 yrs, 10L SI | Rs 7,900 | Rs 10,200 |
| Couple, Both 40 yrs, 20L SI | Rs 19,200 | Rs 23,800 |
| Family (2A, 2C), 20L SI | Rs 26,900 | Rs 34,500 |
| Senior (55 yrs), 15L SI | Rs 18,200 | Rs 24,600 |
Did you know?
Online insurance markets allow you to compare such sample premiums and benefits right away, and on some occasions save buyers nearly 15 percent each year with instant discounts.
No. The pre-existing conditions waiting period on both policies is one year (36-48 months), but under Star Assure, there are shorter options in some city classes.
Other than official insurer websites, you can also utilize impartial online market places to compare and contrast on a side-by-side basis and also do clear customer reviews.
According to IRDAI reports, both companies have claim settlement ratios greater than 95 percent as of 2024.
Star Assure is the leader of large families that prefer large sum insurance and unlimited restoration and fewer hospital room limitations.
Yes. Reliance and Star have portability according to the existing advantages subject to documentation as per the IRDAI norms.
Maternity is included with the required waiting time - which is usually 2 years on Star Assure and 3 years on Reliance Health Gain.
Star Assure covers critical illness in higher forms and Reliance needs an add-on.
Yes, both policies cover AYUSH treatments that are covered up to the sum insured in accordance with the policy terms and throughout India.
Use peer reviews and confirmed user experiences on online marketplaces as a guide to verify the service quality of insurers prior to purchasing.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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