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

 

Affordable Health Insurance

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.

 
 
 
 
 
 
 
 

Star vs Niva Bupa Health Insurance Comparison FAQs

Is Star Health Insurance Plan better than Niva Bupa Health Insurance Plan?

Depending on the benefits and coverage you are looking for in a health insurance plan, you can decide which health plan is better. Star Health insurance plan is better in terms of OPD coverage and vaccination coverage. Besides, it has a wider network of network hospitals and a greater number of branches. It also offers wider coverage for pre-and post-hospitalization expenses.

Is Niva Bupa better than Star Health Insurance Plan?

There are certain parameters where Niva Bupa is better than Star Health Insurance. Niva Bupa offers a shorter waiting period, shorter claim settlement time, and room rent capping. Besides, the claim settlement ratio of Niva is better than Star.

Is Star Comprehensive Health Plan better than Niva Bupa Health Insurance Plan in terms of maternity coverage?

You must opt for Niva Bupa Health Insurance Plan with a lower waiting period of 1 year to avail yourself an early maternity coverage. The maternity coverage is available after a waiting period of 2 years in the Star Comprehensive Health Plan.

Which has a higher claim settlement ratio – Star Health Plan or Niva Bupa Health Plan?

The claim settlement ratio of the Niva Bupa health insurance plan is 89.46% in F.Y. 2019-2020, whereas, the claim settlement ratio of Star Comprehensive health plan was 87% in the same financial year. So, you can see Niva Bupa has a higher claim settlement ratio.

Which offers better Pre- and Post-Hospitalization Coverage – Niva Bupa or Star Comprehensive Health Plan?

Star Comprehensive Health Insurance Plan is better than Niva Bupa in terms of pre-and post-hospitalization coverage. Star offers 60 and 90 days of pre-and post-hospitalization coverage, whereas, Niva Bupa offers 30 and 60 days of pre-and post-hospitalization coverage.

Does health insurance have tax benefits?

Health insurance premiums are tax-deductible under Section 80D of the Income Tax Act. You can claim a tax deduction for policies purchased for self, spouse, and children.

Is a medical check-up necessary for health insurance?

Yes, in most cases, a medical check-up is mandatory for health policy. However, it is not required for renewal. Also, in some specific plans, you might not need to undergo a medical check-up.

How can I buy a health policy?

You can purchase health insurance online, on the telephone or by visiting the nearest branch. All you have to do is submit a few basic documents and you are set to be insured.