Star Health Insurance Young Star Gold vs Niva Bupa Health Insurance Health Companion Variant 2022

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

The shared room category is covered in your base policy.

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

No restriction on ICU room rent

No restriction on ICU room rent

Yes, certain diseases have coverage limits

No

Not Available

Not Available

13000+ Healthcare Providers

11000+ Healthcare Providers

Sum insured restores to 100% after each claim during the policy year

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

Sum insured increases by 20% every year, up to 100% max

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

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

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

Yes

No. However, available as an add-on

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

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

30 days.

30 days.

1 year

2 years

1 year

3 years

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

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

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

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

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

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

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

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

Not covered under base plan (available as add-on)

OPD expense is not included

Available as an option

Available

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

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

99.21%

90.10%

Available

Not Available