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Insurance Plans Comparison

Star Super Star vs Niva Bupa Health Pulse Classic

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

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Star

Super Star

Super Star

What Makes It Special:

Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers

Best For:

  • Buyers who want extensive optional cover choices

  • Customers looking for any-room eligibility

  • Customers interested in unlimited restoration

  • Families wanting flexible floater options

  • Individuals seeking broad health coverage

VS
Niva Bupa

Health Pulse Classic

Niva Bupa Health Pulse Classic

What Makes It Special:

A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.

Best For:

  • Customers comfortable with room rent limits on lower Sum Insured options.

  • Adults aged 18 to 65 years buying a new policy, subject to eligibility.

  • People who want the option to add Personal Accident or Critical Illness cover.

  • Buyers who want their cover to grow through annual Loyalty Additions.

  • First-time buyers looking for straightforward hospitalisation coverage.

  • Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.

Insurance Plans Comparison

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Quick Decision Guide

Star Super Star

Not available

Niva Bupa Health Pulse Classic

  • The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.

  • There is no deductible option.

  • Maternity and general OPD treatment are not covered.

  • Pre-existing diseases have a 36-month waiting period.

  • Listed specified conditions have a 24-month waiting period.

  • Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.

  • For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.

  • A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.

  • Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.

  • Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.

  • A single private room is covered for Sum Insured of ₹5 Lakh and above.

  • Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.

  • Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Super Star
Super Star

Health Insurance Plan

Brochure

Policy Wording

VS
Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

Room Rent

Super Star

Any Room


VS

Health Pulse Classic

  1.  Normal: single A/C private room
  2. ICU: no limit, expenses incurred would be covered by the policy.
ICU Charges

Super Star

Covered up to Sum Insured

VS

Health Pulse Classic

Information Unavailable

Advanced Treatments

Super Star

Information Unavailable

VS

Health Pulse Classic

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Super Star

No mandatory co-payment; voluntary options available


VS

Health Pulse Classic

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

Disease-wise sublimits

Super Star

Applicable treatment-specific limits may apply


VS

Health Pulse Classic

Information Unavailable

Waiting Period

Super Star

Information Unavailable

VS

Health Pulse Classic

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception. 
Cashless Healthcare Providers

Super Star

Cashless treatment through network hospitals

VS

Health Pulse Classic

10675+ network hospitals in India.

Restoration Benefit

Super Star

Automatic restoration up to 100%, unlimited number of times

VS

Health Pulse Classic

Information Unavailable

Cumulative Bonus

Super Star

50% of Sum Insured for each claim-free year, up to 100%


VS

Health Pulse Classic

Information Unavailable

Daycare Treatment

Super Star

All daycare procedures covered


VS

Health Pulse Classic

Covered by the policy.

Consumable Cover

Super Star

Available subject to selected cover

VS

Health Pulse Classic

Information Unavailable

AYUSH Treatment

Super Star

Covered up to Sum Insured

VS

Health Pulse Classic

Covered by the policy.

Initial Waiting Period

Super Star

30 Days

VS

Health Pulse Classic

Information Unavailable

Specific Waiting Period

Super Star

24 Months

VS

Health Pulse Classic

Information Unavailable

PED Waiting Period

Super Star

36 Months

VS

Health Pulse Classic

Information Unavailable

Modern Treatment

Super Star

Covered up to Sum Insured


VS

Health Pulse Classic

Information Unavailable

Annual Health Checkup

Super Star

Available subject to policy terms


VS

Health Pulse Classic

Information Unavailable

Pre-Hospitalisation

Super Star

Up to 90 Days

VS

Health Pulse Classic

Information Unavailable

Post-Hospitalisation

Super Star

Up to 180 Days

VS

Health Pulse Classic

Information Unavailable

Outpatient Department Cover (OPD Expense)

Super Star

Not a standard base OPD benefit

VS

Health Pulse Classic

Information Unavailable

Deductible Option

Super Star

Optional aggregate deductible available

VS

Health Pulse Classic

Information Unavailable

Coverage Options

Super Star

₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option

VS

Health Pulse Classic

Information Unavailable

Claim Settlement Ratio

Super Star

Not specified

VS

Health Pulse Classic

Information Unavailable

Maternity Cover

Super Star

Available through optional covers


VS

Health Pulse Classic

Information Unavailable

Insurance Plans Comparison

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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)

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