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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2 vs Star Assure

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Niva Bupa

Health Companion Variant 2

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 ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. 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 plan to pay for two or three years to get term discounts

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

  • Families who want a floater with a refill benefit

VS
Star

Assure

Restore the sum insured up to 100% an unlimited number of times in a policy year for later hospitalisations, earn a 25% cumulative bonus each claim-free year up to 100%, and cover up to nine family members.

What Makes It Special:

Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...

Best For:

  • Health-conscious buyers who can earn up to 20% wellness discount on renewal

  • People who want room choice without a cap from ₹10 Lakh Sum Insured

  • Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover

  • Unlimited restoration option plan

  • Premium floater family health plan

  • Flexible high-sum insured protection

  • Flexible options for payment of premium

Insurance Plans Comparison

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Quick Decision Guide

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

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

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

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

Star Assure

  • Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.

  • Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.

  • Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.

  • Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.

  • Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.

  • Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.

  • Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.

  • Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.

  • You want maternity and newborn coverage included

  • You want no room rent capping for standard rooms

  • You value unlimited restoration of sum insured

  • You want coverage up to ₹2 crore for family

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

VS
Assure
Assure

Health Insurance Plan

Brochure

Room Rent

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
VS

Assure

Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.

Advanced Treatments

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
VS

Assure

Information Unavailable

ICU Charges

Health Companion Variant 2

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

VS

Assure

No restriction on ICU room rent

Co-payment

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

VS

Assure

0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older.

Disease-wise sublimits

Health Companion Variant 2

No disease sublimit schedule in the prospectus

VS

Assure

No

Cashless Healthcare Providers

Health Companion Variant 2

10,000+ network hospitals.

VS

Assure

14000+ Healthcare Providers

Restoration Benefit

Health Companion Variant 2

Information Unavailable

VS

Assure

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

Health Companion Variant 2

Covered under the policy. 

VS

Assure

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

Cumulative Bonus

Health Companion Variant 2

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

VS

Assure

25% of the Sum Insured for each claim-free year, up to a maximum of 100%.


AYUSH Treatment

Health Companion Variant 2

Covered under this policy

VS

Assure

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

Consumable Cover

Health Companion Variant 2

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

VS

Assure

Yes

Initial Waiting Period

Health Companion Variant 2

30 days, except accidents

VS

Assure

30 days.

Specific Waiting Period

Health Companion Variant 2

24 months for listed conditions

VS

Assure

2 years

PED Waiting Period

Health Companion Variant 2

36 months

VS

Assure

36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front.

Modern Treatment

Health Companion Variant 2

Covered up to the sum insured

VS

Assure

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

Annual Health Checkup

Health Companion Variant 2

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

VS

Assure

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

Pre-Hospitalisation

Health Companion Variant 2

60 days before admission

VS

Assure

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

Post-Hospitalisation

Health Companion Variant 2

180 days after discharge

VS

Assure

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2

Not covered

VS

Assure

Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

Deductible Option

Health Companion Variant 2

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

VS

Assure

Available as an option

Coverage Options

Health Companion Variant 2

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

VS

Assure

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

Claim Settlement Ratio

Health Companion Variant 2

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

Assure

82.31%

Maternity Cover

Health Companion Variant 2

Not covered

VS

Assure

Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy.

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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  • 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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