Oneassure

Partner with us

Insurance Plans Comparison

Star Star Women Care Policy vs Niva Bupa Health Companion Variant 1

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

Read more
Star

Star Women Care Policy

Cover delivery expenses up to the policy limit, pay bariatric surgery bills up to ₹2,50,000 or ₹5,00,000 including pre and post hospitalisation, and restore the sum insured once by 100% for a later hospital stay.

What Makes It Special:

Star Women Care Insurance Policy is designed around the healthcare needs of women and their families. The product provides regular hospitalisation coverage along with maternity-related benefits, pregnancy entry subject to conditions, newborn support, family floater options and additional benefits such as bariatric surgery and restoration.

Best For:

  • Pregnant women who meet the product's entry conditions

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health 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

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 Star Women Care Policy

  • You prefer no medical check-up before purchase

  • You enjoy earning wellness points and premium discounts

  • You need surrogacy and oocyte donor coverage

  • You want automatic sum insured restoration after a claim

  • You value OPD consultations and yearly health check-ups

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

Star Women Care Policy
Star Women Care Policy

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Star Women Care Policy

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

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

Star Women Care Policy

No restriction on ICU room rent

VS

Health Companion Variant 1

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

Advanced Treatments

Star Women Care Policy

Information Unavailable

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
Disease-wise sublimits

Star Women Care Policy

No

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Co-payment

Star Women Care Policy

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

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.

Restoration Benefit

Star Women Care Policy

100% once after full/partial utilization in a year

VS

Health Companion Variant 1

Information Unavailable

Cashless Healthcare Providers

Star Women Care Policy

13000+ Healthcare Providers

VS

Health Companion Variant 1

10,000+ network hospitals.

Cumulative Bonus

Star Women Care Policy

20% each year, up to 100%

VS

Health Companion Variant 1

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

Daycare Treatment

Star Women Care Policy

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Health Companion Variant 1

Covered under the policy. 

Consumable Cover

Star Women Care Policy

Yes

VS

Health Companion Variant 1

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

AYUSH Treatment

Star Women Care Policy

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Health Companion Variant 1

Covered under this policy

Initial Waiting Period

Star Women Care Policy

30 days.

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Star Women Care Policy

2 years

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Star Women Care Policy

3 years

VS

Health Companion Variant 1

36 months

Modern Treatment

Star Women Care Policy

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Star Women Care Policy

Health check-up is available once every policy year, from day 1 of the policy

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

Star Women Care Policy

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Star Women Care Policy

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Star Women Care Policy

OPD is available

VS

Health Companion Variant 1

Not covered

Deductible Option

Star Women Care Policy

Not Available

VS

Health Companion Variant 1

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

Coverage Options

Star Women Care Policy

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr

VS

Health Companion Variant 1

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

Claim Settlement Ratio

Star Women Care Policy

82.31%

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

Star Women Care Policy

Available

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

Zero Spam. Zero Hassle

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

Compare With Other Health Insurance Plans

Star Women Care Policy vs Supreme Senior Premium

Star Women Care Policy vs Energy Silver Without Copay

Star Women Care Policy vs Ultimate

Star Women Care Policy vs EquiCover

Star Women Care Policy vs Optima Secure Global Plus

Health Companion Variant 1 vs Supreme Senior Premium

Health Companion Variant 1 vs Energy Silver Without Copay

Health Companion Variant 1 vs Ultimate

Health Companion Variant 1 vs EquiCover

Health Companion Variant 1 vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Star Women Care Policy Vs Health Companion Variant 1

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.