Star Health Insurance Star Women Care Policy vs Niva Bupa Health Insurance Senior First Gold Plan

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

The shared Room is covered.

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.

No

No

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

Yes, 50%

100% once after full/partial utilization in a year

Not Available.

13000+ Healthcare Providers

10000+ Healthcare Providers

20% each year, up to 100%

Not Available

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

Yes

Not Available

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.

30 days.

30 days.

2 years

2 years

3 years

2 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

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

Not Available

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 90 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 is available

OPD expense is not included

Not Available

Available

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

Available coverage options: ₹5L, ₹10L

99.21%

90.10%

Available

Not Available