Insurance Plans Comparison
Niva Bupa Health Assurance vs Star Health Gain
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
VS
Health Gain
Cover inpatient hospital bills and outpatient treatment at networked facilities in India, and carry unused outpatient benefit into the next policy year on renewal, for that one following year only.
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
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
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Assurance Health Insurance Plan VS VS |
Health Gain Health Insurance Plan |
| Room Rent |
|---|
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
VS VS |
Health Gain
|
| Advanced Treatments |
|---|
Health Assurance Modern Treatments covered up to Sum Insured |
VS VS |
Health Gain Information Unavailable |
| ICU Charges |
|---|
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Health Assurance Optional co-payment available |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Health Assurance Information Unavailable |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Cashless Healthcare Providers |
|---|
Health Assurance 10,000+ Network Hospitals |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Restoration Benefit |
|---|
Health Assurance Information Unavailable |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Health Assurance Covered |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Cumulative Bonus |
|---|
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Health Assurance Covered up to Sum Insured |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Consumable Cover |
|---|
Health Assurance Please refer to the policy wording. |
VS VS |
Health Gain Not specified. |
| Initial Waiting Period |
|---|
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Health Assurance 36 months for CritiCare and HospiCash |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Health Assurance Information Unavailable |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Health Assurance Kindly refer to policy wording. |
VS VS |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Assurance Not covered. |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Health Assurance Information Unavailable |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
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.
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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
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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