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Last updated on: September 22, 2025
The Star Comprehensive Plan and Star Women Care Plan are both health insurance policies by Star Health, but they cater to different needs. The Star Comprehensive Plan is an all-inclusive policy covering a wide range of illnesses, hospitalization, maternity, domiciliary treatments, and features like health check-ups for all individuals or families, regardless of gender. In contrast, the Star Women Care Plan is specifically tailored for women, providing extensive maternity benefits and coverage for newborns, infertility treatments, and women-specific critical illnesses in addition to regular hospitalization. While the Comprehensive Plan is suitable for anyone seeking broad health coverage, the Women Care Plan is ideal for women looking for enhanced protection related to maternity and women-centric conditions. Choosing between them depends on your individual or family’s specific healthcare needs and life stage.
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Selecting the appropriate health insurance program may be at times confusing and this is more so with the rising healthcare expenses in India. Star Health has remained one of the most popular options in 2025 with some of the most popular being the Star Comprehensive Health Insurance Plan and the Star Women Care Insurance Plan. They both serve special health needs and demographics but one and the same goal the protection of your family at increased medical costs and a sense of security.
In seeking a family floater plan, a single cover or a plan tailored to the healthcare of the females, it is important to know the features, difference and coverage of each plan. This guide is meant to make a clear and updated comparison, in order to make an informed decision.
Star Comprehensive Plan is a very strong health insurance policy that includes a well-rounded coverage on various illnesses, hospitalization, maternity benefits, and health benefits such as wellness of individuals and families. It is designed caters to every age group, has a wide coverage, can have up to [?]1 crore of sum insured, and even optional covers of accidental covers etc.
The Star Women Care Plan on the other hand has been carefully designed to suit women. It offers health insurance products to women, children, and their families, with a greater emphasis on the special needs of the female- maternity benefits and gynecological treatments, infertility and even post-natal complication.
The choice of the plan that suits you is based on your family structure, healthcare needs and long-term financial planning.
| Plan | Star Comprehensive Plan | Star Women Care Plan |
|---|---|---|
| Who is it for? | Citizens, households (floater) | Women (individual, floater, mother-child) |
| Sum Insured | Since [?]5 lakhs up to [?]1 crore | Since [?]5 lakhs up to [?]1 crore |
| Entry Ages | 18 years and above, children 3 months of age and above | Adult female 18 to 75 years and below, children 91 days and below. |
| Maternity | Up to [?]1 lakh (varies by SI) | Comprehensive, up to full SI, IVF and infertility. |
| Newborn Cover | Included during day one | Included, even in case of complications. |
| OPD Covers | Outpatient, home care, OPD treatment, home care, emergency ambulance | Extensive, wellness consultation are also included. |
| Additional premiums on listed womens specific illnesses are included under Critical Illness | Add-on Available. | |
| Bonus | No Claim up to 100 percent sum insured | Up to 100 percent sum insured |
| Room Rent | No cap | No cap |
| Pre and Post-hospitalization | 60/180 days | 60/180 days |
| Waiting Period | 30 days in the case of sickness, 12 months in the case of maternity | Varies, reduced maternity waiting period. |
| Annual Health Check-up | Yes, every year | Yes, every year |
| Unique Benefits | Personal accident, Ayush, psychiatric, organ donor | Women wellness services, child vaccination, preventative tests. |
Pros
Cons
Policy Insight: As per the policy advisors, Star Comprehensive is commonly the best choice when the person has young families or dependents or needs an all-in one protection cover.
Pros
Cons
Did You Know? Star Women Care Plan was ranked as the best women health specific plan in an India Today 202425 survey.
| Star Women Care Plan Feature | Star Comprehensive Plan | Star Women Care Plan |
|---|---|---|
| Maximum Sum Insured | [?]100 lakh | [?]100 lakh |
| Entry Age | 18-65 years (children: 3 months onwards) | 18-75 years (children: 91days onwards) |
| Maternity/Infertility | Add-on only; capped ([?]50,000-1 lakh) | Included up to SI; IVF up to [?]1 lakh |
| Room Rent | Unlimited | Unlimited. |
| Day Care | 540+ procedures | 540+ procedures |
| No-Claim Bonus | Up to 100 percent | Up to 100 percent. |
| Wellness Services | General Preventive, female-oriented. | |
| Annual Health Check | Yes | Yes |
| Critical Illness | General, optional add-on | Women specific. |
| Continued Disease Coverage | Yes | Yes |
| Child cover | Yes, until 25 years | Yes, until 25 years |
| OPD/Home Care | Yes | Yes |
| Personal Accident | Add-on | none. |
Star Comprehensive is most suitable in case one wants to find a plan that includes all members of the family and offers them generic wide coverage. The estimated costs (with add-ons, city as per the 2025 prices) of a family of four (30-year-old proposer, spouse, two children) is [?]19,000-[?]45, 000 a year [?]10 lakh cover.
The Women Care Plan which targets women and their children can be marginally higher at [?]21,000-[?]48,000 at a similar sum insured but with specific women special benefits as well as more complex maternity cover.
This extra premium can be worth it especially to a woman who has a new baby or is expecting to have a baby in the near future due to many benefits that are included such as improved coverage, reduced maternity wait period and reduced exclusions.
People Also Ask: Does both plans cover maternity, day one? No, maternity wait period, but Women Care normally has a shorter wait period as compared to Comprehensive.
The Star Comprehensive Plan is appropriate:
Women, especially those:
Expert Advice: According to the insurance experts, a couple who has a family in the next two years will pay less with the Women Care Plan in delivery, pediatrics care compared to purchasing maternity riders individually.
Both plans do not include regular features:
Women Care Plan also does not include:
Other things that will not be covered in Comprehensive Plan will include:
Did You Know? By 2025, the two schemes will cover more than 14000 hospitals across India with cashless treatment.
Star Health boasts of one of the quickest in-house cashless claims processing in India that usually takes 2-4 hours to be resolved in case of network hospitals.
People also ask: What is the maximum number of claims to make annually? No limit on number of claim, to the sum insured limit.
The two plans are renewable lifetime with no age limit in 2025, so that the coverage will continue even during retirement. You have the opportunity of carrying your current policy in one company to another without losing any benefit accrued.
These are both subject to the Section 80D income tax deductions, to [?]50,000 in case of senior citizens.
Eligible after at least one year of prior health insurance, underwriting.
Ask yourself:
A Comprehensive Plan would be suitable in case you need a holistic cover with any gender. Women Care is the superior option in the case of specialized women healthcare (including maternity).
To sum up, Star Comprehensive and Star Women Care Plans are both very good policies of a reputable insurer in the year 2025.
They each include preventive check-ups, claims without the use of cash, and great support of a network of hospitals.
How is Star Comprehensive Plan and Star Women Care Plan different?
Star Comprehensive is a general family plan; Star Women Care is a plan that deals with women and child health related requirements such as maternity, infertility and gynecological complications.
Does Star Women Care Plan cover IVF and infertility treatment?
After the waiting period, IVF and infertility treatments are covered to certain limits under Women Care Plan.
Will preexisting diseases coverage take place?
Not on the first day, but only after the corresponding time of waiting (24-36 months on average in case of major diseases).
To whom can Star Women Care Plan be sold?
Any Indian woman between the age of 18 years to 75 years and is able to add their children and spouse under the family floater. The maximum age at which male children can be covered is the eligibility of the plan, although main proposer should be a female.
Is it possible that one individual decides to use Women Care?
Yes, the single women are allowed to buy individual coverage according to the policy terms.
What is the plan that I should purchase in case I am a newly married and want to have a baby?
Women Care Plan will be more appropriate in terms of the maternity, newborn, and female wellness benefits; Comprehensive in terms of all-round family requirements.
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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