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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2 vs Star Young Star

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

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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

Young Star

Restore the basic sum insured by 100% for later claims in the same year, add a 20% cumulative bonus each claim-free year up to 100%, and get 25% extra cover, up to ₹10 lakh, after a helmeted two-wheeler accident.

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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 Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

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
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

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

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


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

Young Star

Information Unavailable

ICU Charges

Health Companion Variant 2

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

VS

Young Star

Covered as part of hospitalisation expenses

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

Young Star

No standard co-payment specified in the supplied policy document

Disease-wise sublimits

Health Companion Variant 2

No disease sublimit schedule in the prospectus

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Cashless Healthcare Providers

Health Companion Variant 2

10,000+ network hospitals.

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Restoration Benefit

Health Companion Variant 2

Information Unavailable

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Daycare Treatment

Health Companion Variant 2

Covered under the policy. 

VS

Young Star

All Day Care Procedures Covered

Cumulative Bonus

Health Companion Variant 2

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

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

AYUSH Treatment

Health Companion Variant 2

Covered under this policy

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Health Companion Variant 2

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

VS

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Health Companion Variant 2

30 days, except accidents

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Health Companion Variant 2

24 months for listed conditions

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Health Companion Variant 2

36 months

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Health Companion Variant 2

Covered up to the sum insured

VS

Young Star

Covered subject to applicable limits

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

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Health Companion Variant 2

60 days before admission

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Health Companion Variant 2

180 days after discharge

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2

Not covered

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Health Companion Variant 2

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

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Health Companion Variant 2

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

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


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

Young Star

Not specified in the supplied policy document

Maternity Cover

Health Companion Variant 2

Not covered

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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Insurance Plans Comparison

Explore Insurance Category

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  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

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  • 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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