Niva Bupa Health Insurance Senior First Gold Plan vs Star Health Insurance Assure

The shared Room is covered.

If your sum insured is up to ₹5 lakh, room rent coverage is capped at 1% of your sum insured. For sum insured between ₹10 lakh and ₹25 lakh, you can choose a single AC or twin-sharing room, excluding suites. If your sum insured is ₹50 lakh or more, you have full freedom to pick any room category.

No restriction on ICU room rent

No restriction on ICU room rent

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

Yes, 50%

Yes

No

No

10000+ Healthcare Providers

13000+ Healthcare Providers

Not Available.

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

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

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

Not Available

Your sum insured increases by 10% every year, maximum up to 100%

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

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

Not Available

Yes

30 days.

30 days.

2 years

2 years

2 years

3 years

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

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

Not Available

Health check-up is available once every policy year, from day 1 of the policy

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

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

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expenses are not included

Available

Available as an option

Available coverage options: ₹5L, ₹10L

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

90.10%

99.21%

Not Available

Available