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Before we start comparing these two policies we have to set out some ground rules.

Both products are marketed by different insurance companies. Care Plus Youth is sold by Care and Health Gain is sold by Star Health. So any meaningful comparison should include a comparison of the product alongside the insurers themselves.

Second, we know that both products have massive differences in their core structure. Care Plus Youth is quite comprehensive. It offers considerable protection and it doesn’t impose as many restrictions. However, Health Gain is specifically designed for those seeking outpatient coverage. So in many ways, you’re comparing apples and oranges here.

And finally, any comparison is ultimately futile without considering the use case. Who are you buying this policy for? You, your family, your parents?

That’s something you’ll need to answer before using this guide. So with that introduction out of the way, we can get to comparing the actual policies themselves.

Let’s start with Care Plus Youth. The product comes from Care’s stable:

Care Health Insurance (formerly Religare Health Insurance) was founded in 2012. And in that time, they’ve managed to corner a large part of the Indian Insurance market.

What’s more impressive?

Care Health Insurance has a remarkable claim settlement ratio of 91.8% and a network of more than 9,400+ hospitals.

Health Gain meanwhile comes from Star Health’s stable:

Star Health Insurance is India's first standalone health insurance firm. And with an army of retail advisors pushing their products across the country, they’ve managed to capture a fair share of the Indian market.

The company also boasts a network of over 13,000+ hospitals and a decent claim settlement ratio of 83.07%.

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Insurance Parameters

Network hospitals
Claim settlement ratio

(avg. of last 3 years)




(if purchased after turning 61)

Room rent

Single Private room

Any Room

(up to 1% of sum insured)

Disease sub-limit



Pre existing diseases waiting

3 years

4 years

Pre/Post hospitalization

60/90 days

30/60 days

No claim bonus

50% per year

(up to 200%)

Ayush treatments
Restoration benefit

100% restoration

(unlimited no. of times

for any illness)

Health check-up
Once every year
Out Patient Department

Up to ₹2,500

(cap of ₹350 on each consultation)

Day care

Feature Comparison


Co payment

With a co-payment clause, the insurer will mandate that you pay a part of the bill. So if the bill adds up to Rs. 2,00,000 and the co-payment is set at 20% then you could be asked to pay Rs. 40,000 from the bill. In this case, however, Care Plus Youth doesn’t impose a co-payment clause whereas Health Gain requires you to co-pay a part of the bill 20% if you purchase after turning 61


Room rent

If the policy does impose room rent restrictions then the insurer may only let you stay in a room of a certain specification or impose a cap on the total room rent. If you were to breach either criterion then the insurance company may ask you to pay a portion of all the expenses you incurred while staying in the room. In this case, however, Care Plus Youth lets you stay in a single private room and Health Gain only lets you stay in a room whose rent doesn’t exceed 1% of the sum insured. In effect, both policies impose restrictions on the kind of room you can pick.


Sub limits

Some policies will tell you that they will cover all medical expenses up until the sum insured, but then impose caps on the total costs you can incur while dealing with a very specific list of diseases. We call these caps “Disease Wise Sub Limits.” In this case, Care Plus Youth doesn’t impose a disease wise sub-limit whereas Health Gain imposes disease-wise sub-limits on null.


Waiting periods for pre-existing diseases

If you’re suffering from a lifestyle condition or if you’ve had surgery in the past, or if you’re dealing with an acute or chronic illness at the time of buying the policy, then the insurer may classify this as a pre-existing disease. And they may tell you that they will only cover these illnesses after some time. In this case, Care Plus Youth imposes a waiting period of 3 years on pre-existing diseases while Health Gain extends a waiting period of 4 years on existing conditions.


Pre and post Hospitalization expenses

Most people aren’t hospitalized right off the bat. Instead, they’ll have to go through a whole series of diagnostic tests before hospitalization and take medication post-discharge. These costs are outlined as pre-hospitalization expenses and post-hospitalization expenses respectively. In this case, Care Plus Youth covers expenses incurred 60 days before hospitalization and expenses incurred 90 days post-hospitalization. Meanwhile, Health Gain covers expenses incurred 30 days before hospitalization and expenses incurred 60 after hospitalization, although there may be different sub-limits


No claim bonus

Some policies will tell you that they will incentivize you for not making a claim in any given year. And they offer such incentives by offering extra cover on top of the existing sum insured. This extra cover is categorized as a no-claim bonus. In this case, however, Care Plus Youth offers a no-claim bonus whereas Health Gain doesn’t offer a no-claim bonus.



Imagine you are forced to treat yourself at home because you don’t find a hospital bed, or you have a chronic condition that prevents you from visiting one, then, insurers may choose to cover your treatment even if you’re hospitalized at home. And such costs are collectively categorized as domiciliary treatment costs. In this case, however, Care Plus Youth offers domiciliary cover whereas Health Gain doesn’t offer domiciliary protection.


Ayush treatments

Most policies only cover treatments administered in a registered medical facility. However, on some occasions, you may want to pursue alternative treatments including homoeopathy, Ayurveda, Unani and Siddha. These treatments are collectively categorized as Ayush treatments. And in this case Care Plus Youth covers Ayush treatments whereas Health Gain doesn’t extend coverage for Ayush treatments.


Maternity benefits

If you’re hospitalized during childbirth, then you may have to incur significant costs during delivery of your newborn, child care and other related matters during the course of the hospitalization. These costs are collectively termed maternity costs. And in this case, neither Care Plus Youth offers maternity cover nor does Health Gain.


Out Patient Department (OPD)

Doctor visits and regular consultations aren’t usually covered by health insurance policies. They are categorized as Outpatient consultations (or OPD treatments) and patients have to bear the cost on their own. In this case, however, Care Plus Youth offers OPD coverage, and Health Gain also offers OPD coverage, although the sub-limits may be different.

Final Conclusion

If you’re specifically looking to buy a policy for those seeking outpatient coverage, Health Gain makes a lot of sense. But considering Star Health has a claim settlement ratio that can only be considered sub-par at best, we would still recommend going with anything that Care has to offer, if the policy is made available to you.

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