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.

Comparison Between Star Health Insurance and Niva Bupa (Max Bupa) Insurance


Parameter
Star Health Insurance Niva Bupa (Max Bupa) Health Insurance
Number of health insurance plans 11 10+
E-services Policy purchase, renewal, claim settlement, online doctor consultation and expert support Policy purchase, renewal, claim settlement and online consultation
Branches 640+ 25+
Incurred claims ratio 53% 54%
Claim settlement time 90% cashless claims settlement within 2 hours 30 mins for cashless claim settlement
Hospital network More than 9,900 More than 4,500
Customers served since inception 16.9 crore More than 2.9 crore

Health Insurance Policy: Star Health Insurance VS Niva Bupa (Max Bupa) Health Insurance 

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

 

Prepare today for a relaxed and secure future.

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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.