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Insurance Plans Comparison

Digit Arogya Sanjeevani vs Star Medi Classic Gold

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Digit

Arogya Sanjeevani

Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.

What Makes It Special:

Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...

Best For:

  • Buyers who want AYUSH and modern treatment cover

  • Buyers who do not need maternity or OPD cover

  • Families who want a floater with parents and children under one policy

  • Buyers who want basic in-patient cover at an affordable premium

  • First-time health insurance buyers

VS
Star

Medi Classic Gold

Stay in a private single air-conditioned room, restore 200% of the basic sum insured once for an unrelated illness, and add a further 100% super restoration once for a later hospitalisation, even for the same illness.

What Makes It Special:

An individual health insurance plan with hospitalisation coverage and additional benefits, including restoration, domiciliary treatment, organ donor expenses, newborn baby hospitalisation, tele-consultation and home care treatment, subject to applicable policy terms, limits and exclusions.

Best For:

  • Individuals interested in tele-consultation and home care treatment benefits.

  • Customers looking for organ donor and domiciliary treatment coverage.

  • Individuals seeking Private Single AC Room eligibility under applicable Sum Insured options.

  • Customers looking for restoration benefits subject to policy conditions.

  • Individuals seeking individual hospitalisation coverage.

Insurance Plans Comparison

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Quick Decision Guide

  • Call 1860-500-8888 to confirm room rent limits and the current network before buying.

  • Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.

  • The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.

  • A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.

  • Maternity is excluded, so choose another plan if you need it.

  • Review exclusions and waiting periods before purchasing the policy.

  • Understand the conditions governing automatic restoration and Super Restoration.

  • Check newborn baby coverage conditions and applicable limits.

  • Review treatment-specific limits, including modern treatment limits.

  • Check room-rent eligibility based on the selected Sum Insured.

  • Review the 10% co-payment applicable to insured persons whose entry age is 61 years or above.

  • Check the 24-month waiting period for specified diseases and procedures.

  • Review the 36-month waiting period for pre-existing diseases.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

VS
Medi Classic Gold
Medi Classic Gold

Health Insurance Plan

Room Rent

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
VS

Medi Classic Gold

Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording.


Advanced Treatments

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS

Medi Classic Gold

Information Unavailable

ICU Charges

Arogya Sanjeevani

Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888.

VS

Medi Classic Gold

Covered subject to applicable policy terms and limits. Confirm the exact limit in the current policy wording.


Co-payment

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

VS

Medi Classic Gold

A 10% co-payment applies to insured persons whose entry age is 61 years or above, subject to policy terms.


Disease-wise sublimits

Arogya Sanjeevani

A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888.

VS

Medi Classic Gold

Specific limits may apply to certain treatments and benefits, including modern treatments and cataract treatment. Refer to the current policy wording for applicable limits.


Cashless Healthcare Providers

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

VS

Medi Classic Gold

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation, hospital participation and policy conditions.


Restoration Benefit

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Medi Classic Gold

The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording.

Daycare Treatment

Arogya Sanjeevani

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital​.

VS

Medi Classic Gold

Eligible daycare procedures are covered, subject to policy terms and applicable limits.


Cumulative Bonus

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Medi Classic Gold

Available under the Gold Plan, subject to claim-free-year rules and applicable limits. Confirm the precise increment and reduction conditions against the current policy wording.


AYUSH Treatment

Arogya Sanjeevani

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital​.

VS

Medi Classic Gold

Eligible inpatient AYUSH treatment is covered up to the Basic Sum Insured, subject to policy terms and conditions.

Consumable Cover

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Medi Classic Gold

Not established from the reviewed source. Verify whether consumables are covered under the base policy or an optional benefit.


Initial Waiting Period

Arogya Sanjeevani

30 days from inception, except for accidents

VS

Medi Classic Gold

30 days for illnesses from the first policy commencement date, except covered accident claims, subject to policy terms

Specific Waiting Period

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Medi Classic Gold

24 months for specified diseases and procedures, subject to policy terms.

PED Waiting Period

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

VS

Medi Classic Gold

36 months of continuous coverage, subject to policy terms and acceptance of the pre-existing disease.

Modern Treatment

Arogya Sanjeevani

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

VS

Medi Classic Gold

Covered subject to applicable policy limits and policy terms.


Annual Health Checkup

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Medi Classic Gold

Preventive health check-up is available at network providers, subject to the applicable Sum Insured, package limits and policy conditions. Confirm the exact benefit limit before publication.


Pre-Hospitalisation

Arogya Sanjeevani

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Medi Classic Gold

Up to 30 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Arogya Sanjeevani

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Medi Classic Gold

Up to 60 days after discharge under the Gold Plan, subject to policy terms.


Outpatient Department Cover (OPD Expense)

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

VS

Medi Classic Gold

Routine OPD coverage is not established from the reviewed source. Tele-consultation is listed separately as a benefit.


Deductible Option

Arogya Sanjeevani

kindly refer to the policy wording.

VS

Medi Classic Gold

Not established from the reviewed source. Verify the policy wording and schedule before publishing.


Coverage Options

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

VS

Medi Classic Gold

Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document.


Claim Settlement Ratio

Arogya Sanjeevani

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Medi Classic Gold

Not verified for this specific product variant. Do not publish a numerical ratio without a reliable, dated source.


Maternity Cover

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

VS

Medi Classic Gold

Maternity expenses are excluded, subject to any specific exception stated in the applicable policy wording.

Insurance Plans Comparison

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