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Insurance Plans Comparison

Digit Arogya Sanjeevani vs Star Medi Classic

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

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

Insurance Plans Comparison

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Quick Decision Guide

Digit Arogya Sanjeevani

  • 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.

Star Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS
Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

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

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



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

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

Covered as per the applicable policy terms and limits.

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

Not specified in the retrieved source.



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

Modern treatments and cataract treatment are subject to applicable limits.



Cashless Healthcare Providers

Arogya Sanjeevani

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

VS

Medi Classic

Not specified in the retrieved source.



Restoration Benefit

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Medi Classic

Not specified in the retrieved source.

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

Not specified in the retrieved source.



Cumulative Bonus

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



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

Not specified in the retrieved source.



Consumable Cover

Arogya Sanjeevani

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

VS

Medi Classic

Not specified in the retrieved source.



Initial Waiting Period

Arogya Sanjeevani

30 days from inception, except for accidents

VS

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Medi Classic

Not specified in the retrieved source.



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





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

Covered, subject to applicable 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

Preventive health check-up is covered as per policy terms.



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

Covered for 30 days.



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

Covered for 60 days, subject to the applicable limits and conditions.



Outpatient Department Cover (OPD Expense)

Arogya Sanjeevani

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

VS

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



Deductible Option

Arogya Sanjeevani

kindly refer to the policy wording.

VS

Medi Classic

Not specified in the retrieved source.



Coverage Options

Arogya Sanjeevani

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

VS

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



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

Not specified in the retrieved source.



Maternity Cover

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

VS

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

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  • One policy covers the entire family

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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