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Insurance Plans Comparison

Star Optima Insurance 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

Optima Insurance

Cover a newborn from day 16 up to 10% of the sum insured or ₹50,000, whichever is less, add 25% extra cover up to ₹5 lakh after a road accident, and get up to 20% off renewal for wellness points.

What Makes It Special:

Optima Insurance is a family floater health insurance plan focused on hospitalization protection, restoration, recharge and wellness-linked benefits. The source content also lists newborn baby coverage, loyalty bonus accumulation, AYUSH treatment, organ donor expenses, domiciliary treatment and tele-consultation support.

Best For:

  • Families looking for family floater coverage

  • Customers wanting restoration and recharge benefits

  • Families planning long-term coverage

  • Customers interested in wellness-linked benefits

  • Families wanting newborn hospitalization coverage

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

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

Star Optima Insurance

  • Review the 36-month PED waiting period

  • Check the 20% co-payment for entry age 61 years and above

  • Understand how restoration can be used

  • Review newborn baby eligibility and waiting conditions

  • Check limits applicable to modern treatments

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

Optima Insurance
Optima Insurance

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Optima Insurance

Covered; specific room category conditions apply

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.
ICU Charges

Optima Insurance

Covered up to Sum Insured

VS

Health Companion Variant 1

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

Advanced Treatments

Optima Insurance

Information Unavailable

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
Co-payment

Optima Insurance

20% mandatory for entry age 61 years and above; voluntary options may be available

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

Optima Insurance

Modern treatments have specified sub-limits

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Optima Insurance

Available at network hospitals

VS

Health Companion Variant 1

10,000+ network hospitals.

Restoration Benefit

Optima Insurance

Automatic restoration up to three times in a policy year

VS

Health Companion Variant 1

Information Unavailable

Daycare Treatment

Optima Insurance

Covered

VS

Health Companion Variant 1

Covered under the policy. 

Cumulative Bonus

Optima Insurance

Loyalty bonus accumulation up to 100% of Sum Insured

VS

Health Companion Variant 1

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

AYUSH Treatment

Optima Insurance

Covered up to Sum Insured

VS

Health Companion Variant 1

Covered under this policy

Consumable Cover

Optima Insurance

Not specified in the retrieved source

VS

Health Companion Variant 1

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

Initial Waiting Period

Optima Insurance

30 days

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Optima Insurance

24 months

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Optima Insurance

36 months

VS

Health Companion Variant 1

36 months

Modern Treatment

Optima Insurance

Covered with specified sub-limits

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Optima Insurance

Available

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

Optima Insurance

Covered, subject to policy terms

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Optima Insurance

Covered, subject to policy terms

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Optima Insurance

Not specified in the retrieved source

VS

Health Companion Variant 1

Not covered

Deductible Option

Optima Insurance

Not specified in the retrieved source

VS

Health Companion Variant 1

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

Coverage Options

Optima Insurance

Family Floater

VS

Health Companion Variant 1

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

Claim Settlement Ratio

Optima Insurance

Not specified in the retrieved source

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

Optima Insurance

Not specified in the retrieved source

VS

Health Companion Variant 1

Not covered

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

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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.

1-5 of 10 FAQs

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