Star Health Insurance vs Niva Bupa (Max Bupa) Health Insurance
Medical emergencies do not come with any advance warning. Given the lifestyle, eating habits and environmental conditions today, good health insurance has become a necessity rather than a choice. But to ensure your policy meets your protection needs, compare different plans before buying one.
Check the detailed Star Health Insurance and Niva Bupa (Max Bupa) Health Insurance comparison below and purchase a plan that best suits you.
Compare Star and Niva Bupa (Max Bupa) Health Insurance
| Parameter | Star Health Insurance Plan | Niva Bupa (Max Bupa) Health Insurance Plan |
| Number of Health Insurance Plans | 11+ | 10 |
| Branches | 640+ | 25+ |
| E-Services | Policy Purchase, Renewal, Claim Settlement, Online Doctor Consultation, and Expert Support | Policy Purchase, Renewal, Claim Settlement, and Online Doctor Consultation |
| Hospital Network | More than 11,000 | More than 7,600 |
| Sum Insured Options | Rs. 5 Lakhs to Rs. 1 Crore | Rs. 3 Lakhs to Rs. 1 Crore (3 Variants) |
| Claim Settlement Ratio | 87% | 89.46% |
| Claim Settlement Time | Within 2 Hours | 30 Minutes for Cashless Claim Settlement |
| COVID-19 Coverage | Hospitalization for all Variants of COVID-19 | Hospitalization for all Variants of COVID-19 |
| No Claim Bonus | 50% for a Claim-Free Year up to Maximum of 100% | 50% for a Claim-Free Year up to Maximum of 100% |
| Room Rent Limit | Single Private A/C Room | All Types of Rooms |
| Free Health Check-up | Annual Free Health Check-up for up to Rs. 2,000 for Every Claim-Free Year | Annual Free Health Check-up for up to Rs. 500, Rs. 5,000, and Rs. 10,000 for individual, and floater policy basis, respectively |
| Co-Payment Clause | 10% Co-payment clause for policy holder over 60 years | Not Applicable |
| Existing Illness Coverage | After 3 Years of Policy Purchase with an Option to Reduce to 1 Year with an Additional Rider | After 4 Years of Policy Purchase |
| Pre- and Post-Hospitalization Coverage | 60 and 90 Days | 30 and 60 Days |
| Daily Allowance Hospital Cash | Rs. 500 to Rs. 2,500 for Sum Insured of Rs. 5 Lakhs to Rs. 1 Crore | Rs. 1000 to Rs. 4,000 per day as per the chosen variant |
| AYUSH Treatment Coverage | Up to Rs. 30,000 | As per policy bond |
| Maternity Coverage | (After a Waiting Period of 2 Years) Normal Delivery: Rs. 15,000 to Rs. 50,000 Caesarean Delivery: Rs. 20,000 to Rs. 1,00,000 | (After a Waiting Period of 1 Year) |
| New Born Coverage | Up to Rs. 1 Lakh for Sum Insured of up to Rs. 25 Lakhs | As per policy bond |
| Up to Rs. 2 Lakhs for Sum Insured of up to Rs. 50 Lakhs | ||
| Vaccination Coverage | Rs. 5,000 to Rs. 10,000 | Rs. 2,500 to Rs. 7,500 |
| OPD Coverage | Available up to Rs. 15,000 for eye and dental treatment in a block of 3 years | Not Available |
Star Health Insurance VS Niva Bupa (Max Bupa) Health Insurance Comparison
Star Health Insurance was founded in 2006. It offers 11 policies covering individual, family, senior citizens, diabetes, cardiac care, COVID-19 plans, etc.
Niva Bupa (Max Bupa) was founded in 2008 and has a good reputation in the insurance sector. The company has specific health care policies, including individual, family, wellness, critical care, COVID-19 plans, etc.
Go through each point of Star Health Insurance and Niva Bupa (Max Bupa) policy comparison and take your pick.
Individual and Family Health Insurance Plans
Star Health Insurance covers you and your family in its individual and family floater plans with the following features:
- Available for people between 18 and 65 years of age
- Protects you, your partner and three dependent kids, between 3 months and 25 years of age
- Covers expenses like pre-and post-hospitalisation, delivery and newborn, organ donation, health check-ups, AYUSH treatment and others
- Provides cover for accidental and permanent total disablement
- Includes benefits like air ambulance and second medical opinion
- Offers 100% automatic renewal of the sum insured, subject to terms and conditions
Niva Bupa (Max Bupa) offers health insurance plans to financially safeguard you and your family. The important features of the plan include:
- Offers different categories of health policies like HEALTH COMPANION, GOACTIVE, HEALTH PREMIA, etc. with varied coverage
- Includes basic costs like pre-and post-hospitalisation, alternate treatment, day-care procedures, in-patient care, emergency ambulance, health check-ups, maternity and newborn care etc.
- Covers higher benefits like a daily health coach, home healthcare services, second opinion, OPD consultation, mental health treatment, international coverage, etc. in its superior plans
- Offers automatic policy renewal, along with a co-payment feature for some plans
- Provides customised plans for large-size families
Critical Illness Insurance Plans – Compare Star Health and Niva Bupa (Max Bupa)
Star Health Insurance has a special critical illness policy. Some features are:
- Includes nine specific critical illnesses such as cancer, chronic kidney disease, brain surgery, major organ transplant, irreversible paraplegia etc.
- Offers lump sum payment on diagnosis of a critical illness
- Covers regular hospitalisation costs and ambulance charges
- Provides coverage for non-allopathic treatments also
- Permits life-long renewal
- Offers direct claim settlement with no third-party involvement
Niva Bupa (Max Bupa) has a CritiCare plan to protect you and your family. Important features include:
- Includes 20 critical diseases like cancer, multiple sclerosis, loss of speech, major organ transplant etc.
- Offers cover up to Rs. 2 crores for two people
- Allows no-penalty cancellation within 15 days of policy purchase
- Provides rebate on two-three year-long policies
- Provides daily cash payment to the family
- Offers direct claim settlement. No third-party involvement
- Allows life-long renewal policy renewal
Affordable Health Insurance Plans From Star Health Insurance and Niva Bupa (Max Bupa)
Star Health Insurance offers affordable plans with low-premium, high coverage. Here are the details:
- Available on a floater basis
- Covers ambulance charges, day-care procedures, pre-and post-hospitalisation and specific diseases
- Accessible by everyone aged between 5 months and 65 years of age
- Offers life-long renewal option
Niva Bupa (Max Bupa) has a Money Saver plan for your needs. Key features include:
- Offers cover ranging from Rs. 10.5 lakh to Rs. 1 crore with affordable annual premiums
- Covers two adults and four children
- Includes pharmacy and diagnostic services, e-consultation, in-patient care, emergency ambulance, health check-ups, day-care treatment, etc.
- Provides refill benefit
Take time to evaluate your healthcare needs and buy a policy accordingly. Read all the terms and conditions properly before taking your decision. Ensure that it fits your requirements. For guidance, you can get help to buy health insurance online.
