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Insurance Plans Comparison

Niva Bupa Health Assurance vs Star Super Surplus Gold

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

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Niva Bupa

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
Star

Super Surplus Gold

This super top-up pays hospital bills only after the year's expenses cross your chosen limit, covers a single private AC room, and pays up to ₹50,000 for delivery after 12 months if you and your spouse are both covered.

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

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.

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Assurance
Health Assurance

Health Insurance Plan

VS
Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Room Rent

Health Assurance

Normal: Covered up to Sum Insured

ICU: Covered up to Sum Insured

VS

Super Surplus Gold

Single Private A/C Room


Advanced Treatments

Health Assurance

Modern Treatments covered up to Sum Insured

VS

Super Surplus Gold

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

Super Surplus Gold

Covered as part of hospitalisation

Co-payment

Health Assurance

Optional co-payment available

VS

Super Surplus Gold

Not specified as a standard co-payment

Disease-wise sublimits

Health Assurance

Information Unavailable

VS

Super Surplus Gold

Specific limits and defined limits apply


Cashless Healthcare Providers

Health Assurance

10,000+ Network Hospitals

VS

Super Surplus Gold

Cashless treatment through network hospitals

Restoration Benefit

Health Assurance

Information Unavailable

VS

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


Daycare Treatment

Health Assurance

Covered

VS

Super Surplus Gold

All daycare procedures covered

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

Super Surplus Gold

Not specified


AYUSH Treatment

Health Assurance

Covered up to Sum Insured

VS

Super Surplus Gold

Covered up to Sum Insured

Consumable Cover

Health Assurance

Please refer to the policy wording.

VS

Super Surplus Gold

Not specified

Initial Waiting Period

Health Assurance

CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none.

VS

Super Surplus Gold

30 Days, subject to policy terms


Specific Waiting Period

Health Assurance

HospiCash only: 24 months for 17 listed conditions and procedures

VS

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


PED Waiting Period

Health Assurance

36 months for CritiCare and HospiCash

VS

Super Surplus Gold

12 Months for Gold Plan PEDs

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

Super Surplus Gold

Covered subject to applicable limits

Annual Health Checkup

Health Assurance

Kindly refer to the policy wording.

VS

Super Surplus Gold

Not specified

Pre-Hospitalisation

Health Assurance

Information Unavailable

VS

Super Surplus Gold

Up to 60 Days


Post-Hospitalisation

Health Assurance

Kindly refer to policy wording.

VS

Super Surplus Gold

Up to 90 Days

Outpatient Department Cover (OPD Expense)

Health Assurance

Not covered.

VS

Super Surplus Gold

Not a standard OPD benefit

Deductible Option

Health Assurance

Kindly refer to the policy wording.

VS

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


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

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


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

Super Surplus Gold

Not specified

Maternity Cover

Health Assurance

Information Unavailable

VS

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and 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?

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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)

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