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Insurance Plans Comparison

Star Assure vs Niva Bupa Health Premia Gold

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

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Star

Assure

Star Health Assure Insurance Policy

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

VS
Niva Bupa

Health Premia Gold

Health Premia Gold offers ₹10-50 Lakh cover with 100% refill, 10% yearly loyalty additions, maternity cover and in-built single-trip travel insurance.

What Makes It Special:

Health Premia Gold is the mid-tier plan of Niva Bupa's Health Premia product. Along with hospitalisation up to Sum Insured (any room except suite), 90/180 days pre/post-hospitalisation and AYUSH cover, it adds LASER surgery cover and an in-built international cover of up to ₹30 Lakh for one trip of up...

Best For:

  • Extended families (Family First) wanting up to 19 relationships in one policy

  • Buyers who want a 100% refill plus 10% yearly loyalty additions regardless of claims

  • People who want LASER surgery and mental health cover included

  • Frequent-ish travellers who value in-built overseas emergency cover for one trip a year

  • Families wanting ₹10-50 Lakh cover with maternity and newborn benefits

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

  • 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

  • Things to Consider: Domestic OPD cover and Second Medical Opinion are not included in Gold.

  • Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month waiting period.

  • Things to Consider: Non-payable items (consumables like gloves) need the paid Safeguard add-on.

  • Things to Consider: Choosing Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.

  • Things to Consider: Maternity cover is only for Family Floater / Family First policies and needs 24 months of continuous cover.

  • Reasons to Consider: In-built international cover (₹30 Lakh, one trip) and LASER surgery cover are included.

  • Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is just 12 months.

  • Reasons to Consider: Pre and post-hospitalisation are covered for 90 and 180 days.

  • Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.

  • Reasons to Consider: Loyalty Additions grow your cover by 10% of Base Sum Insured every year (up to 100%), even if you make a claim.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Assure
Assure

Health Insurance Plan

Brochure

VS
Health Premia Gold
Health Premia Gold

Health Insurance Plan

Room Rent

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.

VS

Health Premia Gold

Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken

ICU Charges

Assure

No restriction on ICU room rent

VS

Health Premia Gold

Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Disease-wise sublimits

Assure

No

VS

Health Premia Gold

No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event)

Co-payment

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.

VS

Health Premia Gold

No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

Restoration Benefit

Assure

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Health Premia Gold

Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Cashless Healthcare Providers

Assure

14000+ Healthcare Providers

VS

Health Premia Gold

Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Cumulative Bonus

Assure

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


VS

Health Premia Gold

Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

Daycare Treatment

Assure

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

VS

Health Premia Gold

All listed day care procedures (Annexure III) covered up to Sum Insured

AYUSH Treatment

Assure

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

VS

Health Premia Gold

In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Consumable Cover

Assure

Yes

VS

Health Premia Gold

Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

Initial Waiting Period

Assure

30 days.

VS

Health Premia Gold

30 days (not for accidents or renewals)

Specific Waiting Period

Assure

2 years

VS

Health Premia Gold

12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period

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.

VS

Health Premia Gold

24 months of continuous cover

Modern Treatment

Assure

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

VS

Health Premia Gold

Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup

Assure

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

VS

Health Premia Gold

Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500

Pre-Hospitalisation

Assure

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

VS

Health Premia Gold

Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation

Assure

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

VS

Health Premia Gold

Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)

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.

VS

Health Premia Gold

Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans

Deductible Option

Assure

Available as an option

VS

Health Premia Gold

Not available (the policy wording has no deductible option for Health Premia)

Coverage Options

Assure

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

VS

Health Premia Gold

Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Claim Settlement Ratio

Assure

82.31%

VS

Health Premia Gold

93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover

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.

VS

Health Premia Gold

Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

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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

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