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Insurance Plans Comparison

Star Cancer Care Platinum vs Niva Bupa Health Companion Variant 1

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

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Star

Cancer Care Platinum

For people already diagnosed with cancer, this pays hospital bills for cancer and other illnesses, includes lifetime hospice care up to 20% of the sum insured, and offers an optional lump sum if cancer returns or spreads.

What Makes It Special:

A health insurance plan built for people who have already been diagnosed with cancer (any stage). It pays hospital bills for both cancer and non-cancer illnesses, needs no pre-policy medical tests, and offers an optional lump-sum payout if cancer comes back, spreads, or a new unrelated cancer develops.

Best For:

  • Buyers who prefer no pre-policy medical tests (past medical records are submitted instead)

  • Families planning for possible recurrence or spread of cancer through a lump-sum payout

  • Patients who want help with costs of advanced treatments like oral chemotherapy, immunotherapy and robotic surgery

  • Cancer survivors who want cover for both cancer and everyday hospital needs

  • People already diagnosed with cancer who find it hard to get regular health insurance

VS
Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

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

  • Families who want a floater with a refill benefit

Insurance Plans Comparison

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Quick Decision Guide

Star Cancer Care Platinum

  • Things to Consider: 10% co-payment applies if the insured person's entry age is 61 or above; maternity is not covered.

  • Things to Consider: Several treatments have sub-limits (modern treatments, cataract, rehabilitation, hospice care).

  • Things to Consider: Room is limited to a Single Standard A/C room; post-hospitalisation is capped at 2% of SI per hospitalisation.

  • Things to Consider: Sum Insured is limited to Rs.5L, 7.5L or 10L and cannot be increased later, even on renewal.

  • Things to Consider: Pre-existing diseases, including the cancer itself, have a 30-month waiting period.

  • Reasons to Consider: Includes hospice care (up to 20% of SI), rehabilitation and pain management, health check-up and second medical opinion.

  • Reasons to Consider: Optional Section II pays a lump sum (50% of base SI) on recurrence, metastasis or a second unrelated cancer.

  • Reasons to Consider: No pre-policy medical tests, irrespective of age.

  • Reasons to Consider: Covers hospitalisation for both cancer and non-cancer conditions.

  • Reasons to Consider: Designed specifically for people with a cancer diagnosis, aged 5 months to 65 years.

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Cancer Care Platinum
Cancer Care Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Cancer Care Platinum

Single Standard AC Room

Covered up to Sum Insured

VS

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
Advanced Treatments

Cancer Care Platinum

Covered

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
ICU Charges

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

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

Co-payment

Cancer Care Platinum

Applicable for Senior Entry Ages

VS

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

Disease-wise sublimits

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Waiting Period

Cancer Care Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 30 Months

VS

Health Companion Variant 1

Information Unavailable

Cashless Healthcare Providers

Cancer Care Platinum

Available

VS

Health Companion Variant 1

10,000+ network hospitals.

Daycare Treatment

Cancer Care Platinum

Covered

VS

Health Companion Variant 1

Covered under the policy. 

Cumulative Bonus

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

AYUSH Treatment

Cancer Care Platinum

Covered

VS

Health Companion Variant 1

Covered under this policy

Consumable Cover

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

Initial Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

36 months

Modern Treatment

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

Not covered

Deductible Option

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

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

Claim Settlement Ratio

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

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).

Maternity Cover

Cancer Care Platinum

Information Unavailable

VS

Health Companion Variant 1

Not covered

Insurance Plans Comparison

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What Our Experts Help You With

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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)

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