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/Modern Treatments
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
41 features mapped
6 coverage topics
Start Here
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Every feature we checked
All 41 features across 6 coverage topics - pick one to see how the plans differ, what's critical at claim time, and what's already covered in your shortlist.
Step 3Plan Comparison
What is Modern Treatments in health insurance?
Covers advanced medical procedures like robotic surgery, oral chemotherapy, and stem cell treatment. These methods are now used by top hospitals but can be very expensive. Without this, your insurer might refuse to pay because the treatment does not appear on their older approved list.
HDFC ERGO
Optima Secure – Optima-Secure
Strong
This policy sets no separate rule for modern treatments. There is no list of approved advanced procedures and no sub-limit on them, so robotic surgery, oral chemotherapy and similar treatments are paid under the main hospitalisation clause, up to your full sum insured.
Coverage detailstap any row to understand it
Watch out
The usual limits still apply: the treatment must be medically necessary and prescribed in writing, and anything the policy classes as unproven or experimental is excluded.
Star Health
Super Star
Strong
The twelve modern procedures on the regulator's standard list, from robotic surgery and oral chemotherapy to deep brain stimulation and stem cell therapy for bone marrow transplant, are paid up to your full Sum Insured with no per-procedure cap. Pre and post hospitalisation expenses for them are included.
Coverage detailstap any row to understand it
HDFC ERGO
Optima Restore
Strong
The wording carries no separate modern treatment clause and sets no sub-limit for one. Robotic surgery, oral chemotherapy, stem cell therapy for a bone marrow transplant and the other procedures on the standard IRDAI list are paid as ordinary in-patient treatment, up to your Sum Insured. Most policies cap this group at a share of the cover; here nothing caps it.
Coverage detailstap any row to understand it
Watch out
Because no clause names these procedures, a claim is tested only as in-patient treatment: it must be medically necessary, charged at reasonable and customary rates and not an unproven treatment. An admission only to give intra-articular or intra-lesional injections, Zolendronic acid or IV immunoglobulin is excluded.
Step 4Shortlist & Decision Tray
Your decision so far
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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