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Insurance Plans Comparison

Star Women Care vs Niva Bupa Health Companion Variant 2022

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

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Star

What Makes It Special:

Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...

Best For:

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health protection

  • (4-5 word description of the type of plan)

VS
Niva Bupa

Health Companion Variant 2022

Comprehensive family health cover with no room rent capping, 2-hour hospitalisation, 100% refill and health check-ups from day one.

What Makes It Special:

A no-room-rent-cap health plan that covers hospital stays of just 2 hours or more, with 60/180 days pre/post hospitalisation cover and a refill that works even for the same illness.

Best For:

  • High coverage for families

  • Those who want extra protection through optional add-ons

  • Customers who value regular health check-ups and ambulance services

  • Hospital Room Rent Freedom

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 Women Care

  • 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 2022

  • You need coverage for home treatments.

  • You want free health check-ups from day one.

  • You want cover restored after every claim.

  • You prefer hassle-free cashless hospital treatment

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Women Care
Women Care

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

Room Rent

Women Care

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

VS

Health Companion Variant 2022

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

ICU Charges

Women Care

No restriction on ICU room rent

VS

Health Companion Variant 2022

No restriction on ICU room rent

Disease-wise sublimits

Women Care

No

VS

Health Companion Variant 2022

No

Co-payment

Women Care

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 2022

Not Available

Cashless Healthcare Providers

Women Care

13000+ Healthcare Providers

VS

Health Companion Variant 2022

11000+ Healthcare Providers

Restoration Benefit

Women Care

100% once after full/partial utilization in a year

VS

Health Companion Variant 2022

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Daycare Treatment

Women Care

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

VS

Health Companion Variant 2022

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

Cumulative Bonus

Women Care

20% each year, up to 100%

VS

Health Companion Variant 2022

Your sum insured increases by 20% for every claim-free year, up to 100%

AYUSH Treatment

Women Care

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

VS

Health Companion Variant 2022

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

Consumable Cover

Women Care

Yes

VS

Health Companion Variant 2022

No. However, available as an add-on

Initial Waiting Period

Women Care

30 days.

VS

Health Companion Variant 2022

30 days.

Specific Waiting Period

Women Care

2 years

VS

Health Companion Variant 2022

2 years

PED Waiting Period

Women Care

3 years

VS

Health Companion Variant 2022

3 years

Modern Treatment

Women Care

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

VS

Health Companion Variant 2022

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

Annual Health Checkup

Women Care

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

VS

Health Companion Variant 2022

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

Pre-Hospitalisation

Women Care

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 2022

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

Post-Hospitalisation

Women Care

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

VS

Health Companion Variant 2022

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

Outpatient Department Cover (OPD Expense)

Women Care

OPD is available

VS

Health Companion Variant 2022

OPD expense is not included

Deductible Option

Women Care

Not Available


VS

Health Companion Variant 2022

Available

Coverage Options

Women Care

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


VS

Health Companion Variant 2022

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

Claim Settlement Ratio

Women Care

82.31%

VS

Health Companion Variant 2022

92.02%

Maternity Cover

Women Care

Available

VS

Health Companion Variant 2022

Not Available

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.

1-5 of 10 FAQs

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