Insurance Plans Comparison
Niva Bupa GoActive vs Star Young Star Silver
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
Young Star Silver
For adults from 18 to 40, get a single private air-conditioned room, an automatic 100% restoration of the basic sum insured when cover is used, and a 20% cumulative bonus each claim-free year up to 100%.
What Makes It Special:
Young Star Insurance Policy is designed for eligible young adults and their families, with Silver and Gold Plan structures. The Silver Plan provides hospitalisation and daycare coverage with automatic restoration, cumulative bonus, health check-up, wellness benefits and Hospital Cash Benefit.
Best For:
Global treatment and maternity cover
Unlimited loyalty and wellness benefits
Flexible high-limit coverage plan
Smart young adult health protection
Insurance Plans Comparison
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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.
You prefer coverage for AYUSH, diagnostics, and emergencies
You seek maternity and newborn coverage included
You need cashless hospital treatment nationwide
You prefer no medical screening for easy access
You want high coverage options up to ₹1 crore
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
GoActive Health Insurance Plan VS VS |
![]() Young Star Silver 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 |
Young Star Silver Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category |
| Advanced Treatments |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Young Star Silver 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 |
Young Star Silver No restriction on ICU room rent |
| Co-payment |
|---|
GoActive No mandatory age-based co-payment mentioned |
VS VS |
Young Star Silver Not Available |
| 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 |
Young Star Silver No |
| Cashless Healthcare Providers |
|---|
GoActive 4,200+ Network Hospitals |
VS VS |
Young Star Silver 13000+ 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 |
Young Star Silver 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 |
Young Star Silver 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 |
Young Star Silver Your sum insured increases by 20% every year, maximum up to 100% |
| AYUSH Treatment |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Young Star Silver 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 |
Young Star Silver 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 |
Young Star Silver 30 days. |
| Specific Waiting Period |
|---|
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
VS VS |
Young Star Silver 1 year |
| PED Waiting Period |
|---|
GoActive 36 months |
VS VS |
Young Star Silver 1 year |
| 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 |
Young Star Silver 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 |
Young Star Silver 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 |
Young Star Silver 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 |
Young Star Silver You get cover for medical bills up to 90 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 |
Young Star Silver OPD expense is not included |
| 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 |
Young Star Silver Available as an option |
| Coverage Options |
|---|
GoActive Information Unavailable |
VS VS |
Young Star Silver Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 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 |
Young Star Silver 82.31% |
| Maternity Cover |
|---|
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
VS VS |
Young Star Silver Available |
Insurance Plans Comparison
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