Insurance Plans Comparison
Star Women Care vs Niva Bupa Health Premia Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat 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
Health Premia Platinum
Health Premia Platinum offers ₹1-3 Crore cover with any room, OPD cover, ₹2 Lakh maternity, multi-trip travel cover and specified illness treatment abroad.
What Makes It Special:
Health Premia Platinum is Niva Bupa’s top Health Premia plan, combining ₹1-3 Crore cover with no room category limit, OPD, ₹10,000 annual health check-up, worldwide second opinion, child vaccination, specified illness treatment abroad and annual multi-trip international cover up to ₹1 Crore.
Best For:
Buyers who want treatment abroad for major specified illnesses like cancer and heart attack
People who want OPD, health check-up and child vaccination covered
Couples planning a family who want ₹2 Lakh maternity cover worldwide (excl. USA/Canada)
Frequent international travellers who want annual multi-trip medical cover
Families wanting very high cover of ₹1-3 Crore
Insurance Plans Comparison
Get Personalized Advice
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Quick Decision Guide
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 Premia Platinum
Reasons to Consider: Loyalty Additions grow cover by 10% of Base Sum Insured every year up to 100%, even if you claim.
Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.
Reasons to Consider: Pre- and post-hospitalisation are covered for 90 and 180 days.
Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is 12 months.
Reasons to Consider: Any room category, OPD cover and annual multi-trip international cover are built in.
Things to Consider: Maternity cover is only for Family Floater / Family First policies after 24 months of continuous cover.
Things to Consider: Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.
Things to Consider: Non-payable items such as gloves need the paid Safeguard add-on.
Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month wait.
Things to Consider: Premium is higher because of ₹1-3 Crore cover and the built-in extras.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Women Care Health Insurance Plan VS VS |
Health Premia Platinum Health Insurance Plan |
| Room Rent |
|---|
Women Care Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Health Premia Platinum Covered up to Sum Insured, no room category restriction (Any Room, incl. suite) |
| ICU Charges |
|---|
Women Care No restriction on ICU room rent |
VS VS |
Health Premia Platinum Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated |
| Disease-wise sublimits |
|---|
Women Care No |
VS VS |
Health Premia Platinum No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹1,00,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹1,00,000), non-network road ambulance (₹2,000 per event) |
| 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 VS |
Health Premia Platinum 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 |
| Cashless Healthcare Providers |
|---|
Women Care 13000+ Healthcare Providers |
VS VS |
Health Premia Platinum 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 |
| Restoration Benefit |
|---|
Women Care 100% once after full/partial utilization in a year |
VS VS |
Health Premia Platinum 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 |
| Daycare Treatment |
|---|
Women Care Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Health Premia Platinum All listed day care procedures (Annexure III) covered up to Sum Insured |
| Cumulative Bonus |
|---|
Women Care 20% each year, up to 100% |
VS VS |
Health Premia Platinum 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% |
| AYUSH Treatment |
|---|
Women Care Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Premia Platinum 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 |
|---|
Women Care Yes |
VS VS |
Health Premia Platinum 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 |
|---|
Women Care 30 days. |
VS VS |
Health Premia Platinum 30 days (not for accidents or renewals) |
| Specific Waiting Period |
|---|
Women Care 2 years |
VS VS |
Health Premia Platinum 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 |
|---|
Women Care 3 years |
VS VS |
Health Premia Platinum 24 months of continuous cover |
| Modern Treatment |
|---|
Women Care Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Health Premia Platinum 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 |
|---|
Women Care Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Health Premia Platinum Annual from Day 1: tests up to ₹10,000 per insured (Family First Platinum: ₹5,000) |
| 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 VS |
Health Premia Platinum Up to 90 days before admission, covered up to Sum Insured |
| Post-Hospitalisation |
|---|
Women Care You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Health Premia Platinum Up to 180 days after discharge, covered up to Sum Insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Women Care OPD is available |
VS VS |
Health Premia Platinum Covered up to ₹50,000 per policy per year (Family First: ₹35,000) for consultations, diagnostics and prescribed medicines; 80% of unused amount carried forward, total capped at 2.5x the annual limit. Unlimited e-consultations included in all plans |
| Deductible Option |
|---|
Women Care Not Available |
VS VS |
Health Premia Platinum Not available (the policy wording has no deductible option for Health Premia) |
| Coverage Options |
|---|
Women Care Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Health Premia Platinum Individual / Family Floater: ₹1 Crore, ₹2 Crore or ₹3 Crore Base Sum Insured. Family First variant: Base Individual SI ₹10-15 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 |
|---|
Women Care 82.31% |
VS VS |
Health Premia Platinum 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 |
|---|
Women Care Available |
VS VS |
Health Premia Platinum Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: up to ₹2,00,000 worldwide excl. USA & Canada (Family First Platinum ₹1,00,000). USA/Canada extension available as optional add-on. New born covered up to SI till end of policy year; newborn vaccination in first year |
Insurance Plans Comparison
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