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Insurance Plans Comparison

Niva Bupa Health Recharge Super Top Up Plan vs Star Young Star

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

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Niva Bupa

Health Recharge Super Top Up Plan

Niva Bupa Health Recharge Super Top Up Plan

What Makes It Special:

A super top-up health insurance plan designed to add substantial cover above an annual aggregate deductible, with eligible Base Sum Insured options up to ₹95 Lakh.

Best For:

  • High coverage for seniors and their families

  • Easy cashless service across hospitals nationwide

  • Covers daycare and hospital treatments

  • Extra add-ons for enhanced protection

VS
Star

Young Star

Star Young star policy

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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

Niva Bupa Health Recharge Super Top Up Plan

  • Prefer daily coverage for pharmacy & diagnostics

  • Want flexible deductible options for lower premiums

  • Need cashless treatment at large hospital network

  • Prefer 60-day pre & 90-day post-hospital care

  • You want coverage up to ₹95 lakhs

Star Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Recharge Super Top Up Plan
Health Recharge Super Top Up Plan

Health Insurance Plan

VS
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Recharge Super Top Up Plan

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Health Recharge Super Top Up Plan

No restriction on ICU room rent

VS

Young Star

Covered as part of hospitalisation expenses

Disease-wise sublimits

Health Recharge Super Top Up Plan

No

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Co-payment

Health Recharge Super Top Up Plan

Not Available

VS

Young Star

No standard co-payment specified in the supplied policy document

Restoration Benefit

Health Recharge Super Top Up Plan

Not Available

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cashless Healthcare Providers

Health Recharge Super Top Up Plan

Information Unavailable

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Cumulative Bonus

Health Recharge Super Top Up Plan

Your sum insured increases by 5% every year, maximum up to 50%

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

Daycare Treatment

Health Recharge Super Top Up Plan

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

VS

Young Star

All Day Care Procedures Covered

Consumable Cover

Health Recharge Super Top Up Plan

Yes

VS

Young Star

Not specifically mentioned in the supplied policy document


AYUSH Treatment

Health Recharge Super Top Up Plan

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

VS

Young Star

Covered, subject to applicable policy terms


Initial Waiting Period

Health Recharge Super Top Up Plan

30 days.

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Health Recharge Super Top Up Plan

2 years

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Health Recharge Super Top Up Plan

3 years

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Health Recharge Super Top Up Plan

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

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Health Recharge Super Top Up Plan

Not Available

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Health Recharge Super Top Up Plan

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

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Health Recharge Super Top Up Plan

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

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Health Recharge Super Top Up Plan

OPD expenses are covered

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Health Recharge Super Top Up Plan

Available

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Health Recharge Super Top Up Plan

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Health Recharge Super Top Up Plan

92.02%

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Health Recharge Super Top Up Plan

Not Available

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

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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