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Insurance Plans Comparison

Niva Bupa Aspire Diamond+ vs Star Smart Health Pro

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

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Niva Bupa

Aspire Diamond+

Comprehensive health insurance with growing coverage, maternity-related benefits and unlimited post-claim restoration.

What Makes It Special:

Niva Bupa Aspire Diamond+ is designed for people seeking comprehensive hospitalisation cover alongside benefits that can build over time. It includes Booster+, which carries forward unused Base Sum Insured subject to entry-age limits, and ReAssure Forever, which provides unlimited additional cover after the first paid eligible claim. The M-iracle benefit...

Best For:

  • Buyers who want the flexibility to add optional OPD, consumables or international treatment benefits.

  • Policyholders who value unlimited additional cover after the first eligible paid claim.

  • People planning for eligible maternity and parenthood-related expenses.

  • Younger buyers who want unused coverage to accumulate through Booster+.

  • Individuals and families looking for comprehensive hospitalisation coverage.

VS
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

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

Niva Bupa Aspire Diamond+

  • Compare optional benefits and premiums to decide whether WellConsult, Safeguard+, Borderless or other add-ons suit your needs.

  • Check room eligibility and any room-type modification before purchasing, especially if you prefer a higher-category room.

  • Review the co-payment options carefully, as choosing one affects how much of an admissible claim you pay yourself.

  • Consider the M-iracle benefit if maternity, IVF, adoption or surrogacy coverage is important to you; the brochure lists a 24-month waiting period.

  • Choose Diamond+ if you want higher Booster+ accumulation than Gold+ offers at the same entry-age bands.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Aspire Diamond+
Aspire Diamond+

Health Insurance Plan

Brochure

Policy Wording

VS
Smart Health Pro
Smart Health Pro

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Aspire Diamond+

Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the room category

VS

Smart Health Pro

Private Single A/C Room; optional room modification available

ICU Charges

Aspire Diamond+

No restriction on ICU room rent

VS

Smart Health Pro

Covered up to Sum Insured

Co-payment

Aspire Diamond+

Available as an option

VS

Smart Health Pro

No standard co-payment specified

Disease-wise sublimits

Aspire Diamond+

No

VS

Smart Health Pro

Applicable limits may apply

Cashless Healthcare Providers

Aspire Diamond+

10,000+ Healthcare Providers

VS

Smart Health Pro

Available through Star Health network hospitals

Restoration Benefit

Aspire Diamond+

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

VS

Smart Health Pro

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

Daycare Treatment

Aspire Diamond+

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

VS

Smart Health Pro

Covered up to Sum Insured

Cumulative Bonus

Aspire Diamond+

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

VS

Smart Health Pro

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

AYUSH Treatment

Aspire Diamond+

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

VS

Smart Health Pro

Covered up to Sum Insured

Consumable Cover

Aspire Diamond+

Yes

VS

Smart Health Pro

Optional cover available

Initial Waiting Period

Aspire Diamond+

30 days

VS

Smart Health Pro

30 Days, except applicable accident and renewal cases

Specific Waiting Period

Aspire Diamond+

2 years
 

VS

Smart Health Pro

24 Months for specified conditions and procedures

PED Waiting Period

Aspire Diamond+

3 years
 

VS

Smart Health Pro

48 Months under the base plan; optional reduction available

Modern Treatment

Aspire Diamond+

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

VS

Smart Health Pro

Covered up to Sum Insured

Annual Health Checkup

Aspire Diamond+

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

VS

Smart Health Pro

Available every policy year, subject to applicable limits

Pre-Hospitalisation

Aspire Diamond+

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

VS

Smart Health Pro

Up to 60 Days

Post-Hospitalisation

Aspire Diamond+

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

VS

Smart Health Pro

Up to 180 Days

Outpatient Department Cover (OPD Expense)

Aspire Diamond+

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

VS

Smart Health Pro

Not a standard OPD benefit

Deductible Option

Aspire Diamond+

Available as an option

VS

Smart Health Pro

Not specified as a standard base deductible

Coverage Options

Aspire Diamond+

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

VS

Smart Health Pro

₹5 Lakh to ₹1 Crore

Claim Settlement Ratio

Aspire Diamond+

92.02%

VS

Smart Health Pro

Not specified

Maternity Cover

Aspire Diamond+

Available

VS

Smart Health Pro

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

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

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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.

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