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Insurance Plans Comparison

Star Smart Health Pro vs Niva Bupa Aspire Gold+

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

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Star

Smart Health Pro

Customisable online health insurance with high Sum Insured options, restoration, wellness benefits and optional coverage enhancements.

What Makes It Special:

Smart Health Pro is an online health insurance plan built around flexible coverage. It provides hospitalisation, daycare, AYUSH, modern treatment, home care, ambulance and annual health check-up benefits, while optional covers allow customers to modify room eligibility, add consumables, reduce the PED waiting period and increase cumulative bonus.

Best For:

  • Young adults and families seeking flexible health insurance

  • Customers looking for Sum Insured up to ₹1 Crore

  • Customers interested in restoration benefits

  • People seeking extended post-hospitalisation coverage

  • Buyers who want optional coverage customisation

VS
Niva Bupa

Aspire Gold+

Get health insurance with Booster+ benefits, unlimited ReAssure Forever protection, maternity-related M-iracle benefits and flexible optional covers for your healthcare needs.

What Makes It Special:

Niva Bupa Aspire Gold+ is a health insurance variant designed to provide hospitalisation protection alongside benefits that help preserve and extend coverage over time. It includes eligible inpatient and day-care treatment, modern treatments, AYUSH, pre- and post-hospitalisation expenses, home care, organ donor expenses and cashless annual health check-ups. ReAssure Forever...

Best For:

  • Customisable coverage: For people who want to consider optional benefits such as Claim Safeguard+, Cash-Bag, Borderless or Hospital Daily Cash.

  • Everyday healthcare support: For buyers interested in optional WellConsult OPD services, including consultations, diagnostics and pharmacy benefits.

  • Maternity-related planning: For those who want the M-iracle benefit and can plan around its 48-month waiting period.

  • Growing unused cover: For customers who want unused base sum insured carried forward through Booster+, within Gold+'s applicable limits.

  • Long-term health protection: For buyers seeking hospitalisation cover with ReAssure Forever after the first paid claim.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Star Smart Health Pro

  • Reasons to Consider: Sum Insured options range from ₹5 Lakh to ₹1 Crore.

  • Reasons to Consider: The base plan provides automatic restoration once during the policy year.

  • Reasons to Consider: Home care and air ambulance benefits are included.

  • Reasons to Consider: Post-hospitalisation expenses are covered for up to 180 days.

  • Reasons to Consider: Optional covers allow additional customisation.

  • Things to Consider: The base PED waiting period is 48 months.

  • Things to Consider: Entry age is limited to the eligibility specified by the product.

  • Things to Consider: Several enhanced benefits require optional covers and additional premium.

  • Things to Consider: The product is available online only.

  • Things to Consider: Room category and consumables options depend on the selected cover.

Niva Bupa Aspire Gold+

  • Evaluate optional benefits: Compare the extra premium and conditions for WellConsult OPD, Cash-Bag, Safeguard+, Borderless and other available options.

  • Plan maternity benefits early: M-iracle has a 48-month waiting period under Gold+, so review eligibility and benefit limits before purchasing.

  • Review waiting periods: The brochure lists a 30-day initial waiting period. Confirm the applicable pre-existing disease and specific disease waiting periods in your policy schedule.

  • Understand Booster+: For Gold+, unused base sum insured carries forward up to 3X for entry ages 18–35, 2X for ages 36–45 and 1X for ages 46 and above.

  • Select your base sum insured: Choose from ₹3 lakh to ₹1 crore based on your healthcare needs and budget.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Health Pro
Smart Health Pro

Health Insurance Plan

Brochure

Policy Wording

VS
Aspire Gold+
Aspire Gold+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Aspire Gold+

All room categories are covered

ICU Charges

Smart Health Pro

Covered up to Sum Insured

VS

Aspire Gold+

No restriction on ICU room rent

Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Aspire Gold+

No

Co-payment

Smart Health Pro

No standard co-payment specified

VS

Aspire Gold+

Not available

Restoration Benefit

Smart Health Pro

100% once under base cover; unlimited restoration available as an optional cover

VS

Aspire Gold+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Aspire Gold+

10,000+ Healthcare Providers

Cumulative Bonus

Smart Health Pro

50% of Sum Insured for each claim-free year, up to 100%; optional booster up to 600%

VS

Aspire Gold+

Unutilised sum insured can be carried forward up to 3X (entry age 18–35 yrs), 2X (entry age 36–45 yrs), and 1X (entry age 46+ yrs)

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Aspire Gold+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Aspire Gold+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Smart Health Pro

Optional cover available

VS

Aspire Gold+

No. However, available as an add-on

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Aspire Gold+

30 days

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Aspire Gold+

2 years
 

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Aspire Gold+

3 years
 

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Aspire Gold+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Aspire Gold+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Aspire Gold+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Aspire Gold+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Aspire Gold+

OPD expense is not included

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Aspire Gold+

Available as optional feature.

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Aspire Gold+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Claim Settlement Ratio

Smart Health Pro

Not specified

VS

Aspire Gold+

92.02%

Maternity Cover

Smart Health Pro

Optional maternity-related cover may be selected subject to product terms

VS

Aspire Gold+

Available (specific terms apply).

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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