Office No. 402, 4th Floor, Marathon Nextgen Campus, Marathon Icon, Ganapatrao Kadam Marg, opposite Peninsula Corporate Park, Lower Parel, Mumbai, Maharashtra 400013
Niva Bupa Health Insurance and Star Health Insurance are two leading health insurance providers in India. Both companies offer comprehensive health plans and cater to a wide range of customers. However, their claim settlement ratios, coverage options, and unique benefits differ. Here’s a detailed comparison to help you decide which one aligns better with your needs.
Our insurance advisor can provide you with more information about these plans. Based on your requirements, we will send you a customized health insurance quote.
Very Easy 3 step Process
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Comparison Factor
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Niva Bupa Health Insurance
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Star Health Insurance
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|---|---|---|
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Coverage Options
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Comprehensive coverage including maternity, critical illness, and wellness benefits
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Hospitalization, critical illness, maternity benefits, personal accident cover
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Premium Cost (₹)
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₹7 lakh to 1Cr.
Age - 91 days ti 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
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₹7 lakh to 1Cr.
Age - 91 days ti 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
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Claim Settlement Ratio
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92.3%
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99.2%
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Network Hospitals
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10,000+
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10,000+
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Room Rent Limit
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Covered up to Sum Insured
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Covered up to Sum Insured (flexible options available)
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Add-on Benefits & Riders
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Critical illness cover, maternity benefits, health check-ups, wellness programs
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Critical illness cover, maternity benefits, personal accident cover, wellness benefits
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Digital Claim Tracking
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Available
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Available
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Customer Reviews
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Positive reviews for affordable premiums and digital-first approach
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Positive reviews for prompt claim settlement, extensive hospital network, and affordability
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Claim Settlement Process
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Quick claim settlement up to 92.3%
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Quick claim settlement up to 99.2%
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Benefit
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ICICI Health Insurance
|
Bajaj Health Insurance
|
|---|---|---|
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Inpatient Care
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Up to Sum Insured
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Up to Sum Insured
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Eligible Room Category
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Single Private AC
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Covered up to Single Private A/C Room
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Pre-hospitalization Expenses
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30 days, Up to Sum Insured
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30 days, Up to Sum Insured
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Post-hospitalization Expenses
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60 days, Up to Sum Insured
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60 days, Up to Sum Insured
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Alternative Treatments
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Covered under specific plans
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Covered under specific plans
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Day Care Treatment
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Up to Sum Insured
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Up to Sum Insured
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Home Care / Domiciliary Hospitalization
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Covered
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Covered
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Organ Donor
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Covered
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Covered
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Emergency Ambulance
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Covered
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Covered
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No Claim Bonus
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Up to Sum Insured
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Up to Sum Insured
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Vaccination for Animal Bite
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Not Covered
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Not Covered
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Health Checkup
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Yes
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Yes
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Advanced Health Check-up
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Available
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Available
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Personal Accident
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Add-On
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Add-On
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Health Returns
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Available
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Available
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Co-payment
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Optional
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No
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PED Waiting Period
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24 months
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24 months
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Modern Treatments
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Yes
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Yes
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Air Ambulance
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Add On
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Add On
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Best For:
Unique Advantages:
The choice between Niva Bupa Health Insurance and Star Health Insurance depends on your individual requirements:
Contact us today to learn more about which health insurance plan is best for your needs and budget.
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