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Insurance Plans Comparison

Star Super Surplus Gold 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

Super Surplus Gold

This super top-up pays hospital bills only after the year's expenses cross your chosen limit, covers a single private AC room, and pays up to ₹50,000 for delivery after 12 months if you and your spouse are both covered.

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

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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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 Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

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

Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Super Surplus Gold

Single Private A/C Room


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

Super Surplus Gold

Covered as part of hospitalisation

VS

Health Companion Variant 1

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

Advanced Treatments

Super Surplus Gold

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

Super Surplus Gold

Not specified as a standard co-payment

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

Super Surplus Gold

Specific limits and defined limits apply


VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Super Surplus Gold

Cashless treatment through network hospitals

VS

Health Companion Variant 1

10,000+ network hospitals.

Restoration Benefit

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


VS

Health Companion Variant 1

Information Unavailable

Cumulative Bonus

Super Surplus Gold

Not specified


VS

Health Companion Variant 1

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

Daycare Treatment

Super Surplus Gold

All daycare procedures covered

VS

Health Companion Variant 1

Covered under the policy. 

Consumable Cover

Super Surplus Gold

Not specified

VS

Health Companion Variant 1

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

AYUSH Treatment

Super Surplus Gold

Covered up to Sum Insured

VS

Health Companion Variant 1

Covered under this policy

Initial Waiting Period

Super Surplus Gold

30 Days, subject to policy terms


VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Super Surplus Gold

12 Months for Gold Plan PEDs

VS

Health Companion Variant 1

36 months

Modern Treatment

Super Surplus Gold

Covered subject to applicable limits

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Super Surplus Gold

Not specified

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

Super Surplus Gold

Up to 60 Days


VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Super Surplus Gold

Up to 90 Days

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Super Surplus Gold

Not a standard OPD benefit

VS

Health Companion Variant 1

Not covered

Deductible Option

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


VS

Health Companion Variant 1

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

Coverage Options

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


VS

Health Companion Variant 1

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

Claim Settlement Ratio

Super Surplus Gold

Not specified

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

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


VS

Health Companion Variant 1

Not covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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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

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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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