Niva Bupa Senior First Platinum vs Star Young Star Gold

Single private AC room is covered

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

No restriction on ICU room rent

No restriction on ICU room rent

No

Yes, certain diseases have coverage limits

Yes

Not Available

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

Sum insured restores to 100% after each claim during the policy year

10000+ Healthcare Providers

13000+ Healthcare Providers

Your sum insured increases by 10% for every claim-free year, upto 100%

Sum insured increases by 20% every year, up to 100% max

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

Yes

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

1 year

2 years

1 year

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 Checkup is covered upto INR5000 per individual per policy year.

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 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

Not covered under base plan (available as add-on)

Available

Available as an option

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

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

92.02%

82.31%

Not Available

Available