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Insurance Plans Comparison

Star Smart Health Pro vs Niva Bupa Health Companion Variant 2

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

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Star

Smart Health Pro

Customisable online health insurance with high Sum Insured options, restoration, wellness benefits and optional coverage enhancements.

What Makes It Special:

Smart Health Pro is an online health insurance plan built around flexible coverage. It provides hospitalisation, daycare, AYUSH, modern treatment, home care, ambulance and annual health check-up benefits, while optional covers allow customers to modify room eligibility, add consumables, reduce the PED waiting period and increase cumulative bonus.

Best For:

  • Young adults and families seeking flexible health insurance

  • Customers looking for Sum Insured up to ₹1 Crore

  • Customers interested in restoration benefits

  • People seeking extended post-hospitalisation coverage

  • Buyers who want optional coverage customisation

VS
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

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 Smart Health Pro

  • Reasons to Consider: Sum Insured options range from ₹5 Lakh to ₹1 Crore.

  • Reasons to Consider: The base plan provides automatic restoration once during the policy year.

  • Reasons to Consider: Home care and air ambulance benefits are included.

  • Reasons to Consider: Post-hospitalisation expenses are covered for up to 180 days.

  • Reasons to Consider: Optional covers allow additional customisation.

  • Things to Consider: The base PED waiting period is 48 months.

  • Things to Consider: Entry age is limited to the eligibility specified by the product.

  • Things to Consider: Several enhanced benefits require optional covers and additional premium.

  • Things to Consider: The product is available online only.

  • Things to Consider: Room category and consumables options depend on the selected cover.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Health Pro
Smart Health Pro

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

VS

Health Companion Variant 2

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

Smart Health Pro

Covered up to Sum Insured

VS

Health Companion Variant 2

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

Advanced Treatments

Smart Health Pro

Information Unavailable

VS

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 
Disease-wise sublimits

Smart Health Pro

Applicable limits may apply

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Co-payment

Smart Health Pro

No standard co-payment specified

VS

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.

Restoration Benefit

Smart Health Pro

100% once under base cover; unlimited restoration available as an optional cover

VS

Health Companion Variant 2

Information Unavailable

Cashless Healthcare Providers

Smart Health Pro

Available through Star Health network hospitals

VS

Health Companion Variant 2

10,000+ network hospitals.

Cumulative Bonus

Smart Health Pro

50% of Sum Insured for each claim-free year, up to 100%; optional booster up to 600%

VS

Health Companion Variant 2

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

Daycare Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Health Companion Variant 2

Covered under the policy. 

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Health Companion Variant 2

Covered under this policy

Consumable Cover

Smart Health Pro

Optional cover available

VS

Health Companion Variant 2

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

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Smart Health Pro

24 Months for specified conditions and procedures

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

VS

Health Companion Variant 2

36 months

Modern Treatment

Smart Health Pro

Covered up to Sum Insured

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Smart Health Pro

Available every policy year, subject to applicable limits

VS

Health Companion Variant 2

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

Pre-Hospitalisation

Smart Health Pro

Up to 60 Days

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

VS

Health Companion Variant 2

Not covered

Deductible Option

Smart Health Pro

Not specified as a standard base deductible

VS

Health Companion Variant 2

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

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

VS

Health Companion Variant 2

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

Claim Settlement Ratio

Smart Health Pro

Not specified

VS

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).

Maternity Cover

Smart Health Pro

Optional maternity-related cover may be selected subject to product terms

VS

Health Companion Variant 2

Not covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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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.

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