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Insurance Plans Comparison

Niva Bupa Health Companion Family First Plan 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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Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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

Niva Bupa Health Companion Family First Plan

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

  • The 36-month PED wait applies, so buy early if anyone has an existing condition.

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

Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

VS
Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
VS

Medi Classic

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



Advanced Treatments

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
VS

Medi Classic

Information Unavailable

ICU Charges

Health Companion Family First Plan

Covered up to the sum insured as part of in-patient care

VS

Medi Classic

Covered as per the applicable policy terms and limits.

Co-payment

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

VS

Medi Classic

Not specified in the retrieved source.



Disease-wise sublimits

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

VS

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



Cashless Healthcare Providers

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

VS

Medi Classic

Not specified in the retrieved source.



Restoration Benefit

Health Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

VS

Medi Classic

Not specified in the retrieved source.

Daycare Treatment

Health Companion Family First Plan

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

VS

Medi Classic

Not specified in the retrieved source.



Cumulative Bonus

Health Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

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

Health Companion Family First Plan

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

VS

Medi Classic

Not specified in the retrieved source.



Consumable Cover

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

VS

Medi Classic

Not specified in the retrieved source.



Initial Waiting Period

Health Companion Family First Plan

30 days, except accidents

VS

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Health Companion Family First Plan

24 months for listed conditions

VS

Medi Classic

Not specified in the retrieved source.



PED Waiting Period

Health Companion Family First Plan

36 months.

VS

Medi Classic





Modern Treatment

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

VS

Medi Classic

Covered, subject to applicable limits and policy terms.



Annual Health Checkup

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

VS

Medi Classic

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



Pre-Hospitalisation

Health Companion Family First Plan

60 days before admission, up to the sum insured

VS

Medi Classic

Covered for 30 days.



Post-Hospitalisation

Health Companion Family First Plan

180 days after discharge, up to the sum insured

VS

Medi Classic

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



Outpatient Department Cover (OPD Expense)

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

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

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

VS

Medi Classic

Not specified in the retrieved source.



Coverage Options

Health Companion Family First Plan

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Medi Classic

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



Claim Settlement Ratio

Health Companion Family First Plan

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

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

VS

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

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Insurance Plans Comparison

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  • Tailored for seniors healthcare needs

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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)

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