Insurance Plans Comparison
Niva Bupa GoActive vs Star Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreGoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
VS
Assure
Restore the sum insured up to 100% an unlimited number of times in a policy year for later hospitalisations, earn a 25% cumulative bonus each claim-free year up to 100%, and cover up to nine family members.
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Health-conscious buyers who can earn up to 20% wellness discount on renewal
People who want room choice without a cap from ₹10 Lakh Sum Insured
Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.
Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.
Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.
Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.
Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.
Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.
Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.
Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
GoActive Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| Advanced Treatments |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Assure Information Unavailable |
| ICU Charges |
|---|
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
VS VS |
Assure No restriction on ICU room rent |
| Co-payment |
|---|
GoActive No mandatory age-based co-payment mentioned |
VS VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Disease-wise sublimits |
|---|
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
VS VS |
Assure No |
| Cashless Healthcare Providers |
|---|
GoActive 4,200+ Network Hospitals |
VS VS |
Assure 14000+ Healthcare Providers |
| Restoration Benefit |
|---|
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
VS VS |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
VS VS |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| AYUSH Treatment |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
VS VS |
Assure Yes |
| Initial Waiting Period |
|---|
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
VS VS |
Assure 2 years |
| PED Waiting Period |
|---|
GoActive 36 months |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| Modern Treatment |
|---|
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
VS VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
VS VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
GoActive Up to 90 days before admission, within the sum insured |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
GoActive Up to 180 days after discharge, within the sum insured |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
VS VS |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
VS VS |
Assure Available as an option |
| Coverage Options |
|---|
GoActive Information Unavailable |
VS VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
GoActive 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 VS |
Assure 82.31% |
| Maternity Cover |
|---|
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
VS VS |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
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?
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
GoActive vs Supreme Senior Premium
GoActive vs Energy Silver Without Copay
GoActive vs Ultimate
GoActive vs EquiCover
GoActive vs Optima Secure Global Plus
GoActive vs Optima Secure
GoActive vs Super Mediclaim
GoActive vs Critical Illness Platinum Plan
GoActive vs Health Recharge
GoActive vs Golden Shield
GoActive vs Optima Secure Plus
GoActive vs Cancer Cover Activ Cancer Secure Plan
GoActive vs LifeTime Health Global
GoActive vs Women Care
GoActive vs Aspire Diamond+
GoActive vs Activate Booster Plan A
GoActive vs myHealth Medisure Super Top-up
GoActive vs Health Super Saver Standard
GoActive vs Active Care Premier
GoActive vs ProHealth Accumulate
GoActive vs Health Booster SuperTopup Individual Adult 1 Year N
GoActive vs Supreme Shine
GoActive vs Health Shield 360 Retail
GoActive vs Health Cardiac Care Silver & Gold Plan
GoActive vs myHealth Suraksha Gold
GoActive vs Max Protect Premium
GoActive vs Elder Care
GoActive vs Young Star Gold
GoActive vs Assure
GoActive vs Active Fit Plus
GoActive vs Cancer Care Platinum
GoActive vs Health Connect Elite
GoActive vs Arogya Sanjeevani
GoActive vs OneHealth Premium
GoActive vs ProHealth Prime Protect
GoActive vs Optima Lite
GoActive vs Medicare Plus
GoActive vs Activ Health Platinum Essential
GoActive vs Criti Shield Family Shield
GoActive vs Medicare Senior
GoActive vs Enhance Super Top-up Two
GoActive vs Reassure 3.0
GoActive vs Medicare Protect
GoActive vs Health AdvantEdge Plus
GoActive vs Activ One SAVR
GoActive vs Active Assure Diamond
GoActive vs Activ One VIP
GoActive vs Health Pulse Classic
GoActive vs Advantage
GoActive vs Mediclaim Insurance Policy
GoActive vs iHealth
GoActive vs Special Care Gold
GoActive vs Energy Gold Without Copay
GoActive vs Activ One Max
GoActive vs Smart Super Health
GoActive vs Classic
GoActive vs Activ One Vytl
GoActive vs Supreme
GoActive vs Freedom
GoActive vs Sarvah Pratham
GoActive vs Joy Today
GoActive vs Medi Classic
GoActive vs Activate Booster Plan B
GoActive vs Aspire Gold+
GoActive vs Health Gain
GoActive vs Aspire Platinum+
GoActive vs Plus Complete
GoActive vs Health Companion Family First Plan
GoActive vs Reassure 2.0 Platinum+
GoActive vs Reassure 3.0 Elite
GoActive vs Enhance Super Top-up One
GoActive vs Joy Tomorrow
GoActive vs Reassure 3.0 Select
GoActive vs Activ One VIP+
GoActive vs Red Carpet Senior Citizens
GoActive vs Super Surplus Gold
GoActive vs Health SuperCharge
GoActive vs Health Elite Plus
GoActive vs Medicare Premier
GoActive vs Family Health Optima
GoActive vs Health Companion Variant 2022
GoActive vs Health Companion Variant 3
GoActive vs Plus Youth
GoActive vs ProHealth Prime Advantage
GoActive vs Critical Illness Silver Plan
GoActive vs Health Premia Gold
GoActive vs Health Premia Platinum
GoActive vs Comprehensive
GoActive vs HeartBeat Enhanced
GoActive vs Reassure
GoActive vs Complete Health Insurance Health Shield Plus Plan
GoActive vs myHealth Suraksha Platinum
GoActive vs Health Recharge Super Top Up Plan
GoActive vs Supreme Value for Money
GoActive vs Supreme Enhance Two
GoActive vs Supreme Senior Super
GoActive vs Supreme Enhance
GoActive vs Reassure 2.0 Gold
GoActive vs Active Fit Preferred
GoActive vs LifeTime Health
GoActive vs Medicare
GoActive vs ProHealth Prime Active
GoActive vs ProHealth Prime Senior Elite
GoActive vs Advanced Top Up
GoActive vs Multiplier Health
GoActive vs Ultimate (Direct)
GoActive vs Young Star
GoActive vs Star Women Care Policy
GoActive vs Health Assurance
GoActive vs Family Plus
GoActive vs Sarvah Param
GoActive vs Optima Insurance
GoActive vs Smart Super Health Assure
GoActive vs Criti Shield Plus
GoActive vs Health Care Supreme Ultimo
GoActive vs Super Star
GoActive vs Reassure 3.0 Black
GoActive vs Health Guard Platinum
GoActive vs Health Guard Gold
GoActive vs Elevate (Direct)
GoActive vs Senior First Platinum
GoActive vs Extra Care Plus Super Top-up
GoActive vs Health Care Supreme Smart
GoActive vs Medi Classic Gold
GoActive vs Smart Health Pro
GoActive vs Optima Super Secure
GoActive vs Optima Secure Global
GoActive vs Special Care
GoActive vs Medicare LITE
GoActive vs NextGen
GoActive vs Health Shield 360
GoActive vs SecureHealth
GoActive vs Energy Silver With Copay
GoActive vs Supreme (Direct)
GoActive vs Plus
GoActive vs Medicare Select
GoActive vs Complete Health Insurance Health Protect Plus Plan
GoActive vs myHealth Koti Suraksha
GoActive vs Senior
GoActive vs myHealth Suraksha Silver
GoActive vs Health Booster
GoActive vs Complete Health Insurance Health Shield
GoActive vs Cardiac Care Platinum
GoActive vs Royal Sundaram Lifeline Elite
GoActive vs HeartBeat Platinum
GoActive vs Supreme Enhance One
GoActive vs HeartBeat Gold
GoActive vs Health Companion Variant 2
GoActive vs Health Companion Variant 1
GoActive vs Aspire Titanium+
GoActive vs iHealth Plus
GoActive vs Reassure 3.0 Classic
GoActive vs Senior Health Advantage
GoActive vs Health Wallet
GoActive vs Elevate
GoActive vs Heart
GoActive vs Reassure 2.0 Titanium+
GoActive vs Diabetes Safe Plan A
GoActive vs Reassure 2.0 Bronze+
GoActive vs Young Star Silver
GoActive vs Enhance Super Top-up
GoActive vs Joy
GoActive vs Health Elite
GoActive vs Supreme Senior Health AdvantEdge
GoActive vs Health AdvantEdge
GoActive vs Supreme Super Saver
GoActive vs Health Insurance Platinum
Assure vs Supreme Senior Premium
Assure vs Energy Silver Without Copay
Assure vs Ultimate
Assure vs EquiCover
Assure vs Optima Secure Global Plus
Assure vs Optima Secure
Assure vs Super Mediclaim
Assure vs Critical Illness Platinum Plan
Assure vs Health Recharge
Assure vs Golden Shield
Assure vs Optima Secure Plus
Assure vs Cancer Cover Activ Cancer Secure Plan
Assure vs LifeTime Health Global
Assure vs Women Care
Assure vs Aspire Diamond+
Assure vs Activate Booster Plan A
Assure vs myHealth Medisure Super Top-up
Assure vs Health Super Saver Standard
Assure vs Active Care Premier
Assure vs ProHealth Accumulate
Assure vs Health Booster SuperTopup Individual Adult 1 Year N
Assure vs Supreme Shine
Assure vs Health Shield 360 Retail
Assure vs Health Cardiac Care Silver & Gold Plan
Assure vs myHealth Suraksha Gold
Assure vs Max Protect Premium
Assure vs Elder Care
Assure vs Young Star Gold
Assure vs Active Fit Plus
Assure vs Cancer Care Platinum
Assure vs Health Connect Elite
Assure vs Arogya Sanjeevani
Assure vs OneHealth Premium
Assure vs ProHealth Prime Protect
Assure vs Optima Lite
Assure vs Medicare Plus
Assure vs Activ Health Platinum Essential
Assure vs GoActive
Assure vs Criti Shield Family Shield
Assure vs Medicare Senior
Assure vs Enhance Super Top-up Two
Assure vs Reassure 3.0
Assure vs Medicare Protect
Assure vs Health AdvantEdge Plus
Assure vs Activ One SAVR
Assure vs Active Assure Diamond
Assure vs Activ One VIP
Assure vs Health Pulse Classic
Assure vs Advantage
Assure vs Mediclaim Insurance Policy
Assure vs iHealth
Assure vs Special Care Gold
Assure vs Energy Gold Without Copay
Assure vs Activ One Max
Assure vs Smart Super Health
Assure vs Classic
Assure vs Activ One Vytl
Assure vs Supreme
Assure vs Freedom
Assure vs Sarvah Pratham
Assure vs Joy Today
Assure vs Medi Classic
Assure vs Activate Booster Plan B
Assure vs Aspire Gold+
Assure vs Health Gain
Assure vs Aspire Platinum+
Assure vs Plus Complete
Assure vs Health Companion Family First Plan
Assure vs Reassure 2.0 Platinum+
Assure vs Reassure 3.0 Elite
Assure vs Enhance Super Top-up One
Assure vs Joy Tomorrow
Assure vs Reassure 3.0 Select
Assure vs Activ One VIP+
Assure vs Red Carpet Senior Citizens
Assure vs Super Surplus Gold
Assure vs Health SuperCharge
Assure vs Health Elite Plus
Assure vs Medicare Premier
Assure vs Family Health Optima
Assure vs Health Companion Variant 2022
Assure vs Health Companion Variant 3
Assure vs Plus Youth
Assure vs ProHealth Prime Advantage
Assure vs Critical Illness Silver Plan
Assure vs Health Premia Gold
Assure vs Health Premia Platinum
Assure vs Comprehensive
Assure vs HeartBeat Enhanced
Assure vs Reassure
Assure vs Complete Health Insurance Health Shield Plus Plan
Assure vs myHealth Suraksha Platinum
Assure vs Health Recharge Super Top Up Plan
Assure vs Supreme Value for Money
Assure vs Supreme Enhance Two
Assure vs Supreme Senior Super
Assure vs Supreme Enhance
Assure vs Reassure 2.0 Gold
Assure vs Active Fit Preferred
Assure vs LifeTime Health
Assure vs Medicare
Assure vs ProHealth Prime Active
Assure vs ProHealth Prime Senior Elite
Assure vs Advanced Top Up
Assure vs Multiplier Health
Assure vs Ultimate (Direct)
Assure vs Young Star
Assure vs Star Women Care Policy
Assure vs Health Assurance
Assure vs Family Plus
Assure vs Sarvah Param
Assure vs Optima Insurance
Assure vs Smart Super Health Assure
Assure vs Criti Shield Plus
Assure vs Health Care Supreme Ultimo
Assure vs Super Star
Assure vs Reassure 3.0 Black
Assure vs Health Guard Platinum
Assure vs Health Guard Gold
Assure vs Elevate (Direct)
Assure vs Senior First Platinum
Assure vs Extra Care Plus Super Top-up
Assure vs Health Care Supreme Smart
Assure vs Medi Classic Gold
Assure vs Smart Health Pro
Assure vs Optima Super Secure
Assure vs Optima Secure Global
Assure vs Special Care
Assure vs Medicare LITE
Assure vs NextGen
Assure vs Health Shield 360
Assure vs SecureHealth
Assure vs Energy Silver With Copay
Assure vs Supreme (Direct)
Assure vs Plus
Assure vs Medicare Select
Assure vs Complete Health Insurance Health Protect Plus Plan
Assure vs myHealth Koti Suraksha
Assure vs Senior
Assure vs myHealth Suraksha Silver
Assure vs Health Booster
Assure vs Complete Health Insurance Health Shield
Assure vs Cardiac Care Platinum
Assure vs Royal Sundaram Lifeline Elite
Assure vs HeartBeat Platinum
Assure vs Supreme Enhance One
Assure vs HeartBeat Gold
Assure vs Health Companion Variant 2
Assure vs Health Companion Variant 1
Assure vs Aspire Titanium+
Assure vs iHealth Plus
Assure vs Reassure 3.0 Classic
Assure vs Senior Health Advantage
Assure vs Health Wallet
Assure vs Elevate
Assure vs Heart
Assure vs Reassure 2.0 Titanium+
Assure vs Diabetes Safe Plan A
Assure vs Reassure 2.0 Bronze+
Assure vs Young Star Silver
Assure vs Enhance Super Top-up
Assure vs Joy
Assure vs Health Elite
Assure vs Supreme Senior Health AdvantEdge
Assure vs Health AdvantEdge
Assure vs Supreme Super Saver
Assure vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)