Insurance Plans Comparison
Digit Arogya Sanjeevani vs Star Comprehensive
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Read moreArogya Sanjeevani
Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.
What Makes It Special:
Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...
Best For:
Buyers who want AYUSH and modern treatment cover
Buyers who do not need maternity or OPD cover
Families who want a floater with parents and children under one policy
Buyers who want basic in-patient cover at an affordable premium
First-time health insurance buyers
VS
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
Insurance Plans Comparison
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Quick Decision Guide
Call 1860-500-8888 to confirm room rent limits and the current network before buying.
Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.
The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.
A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.
Maternity is excluded, so choose another plan if you need it.
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Arogya Sanjeevani Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Arogya Sanjeevani
|
VS VS |
Comprehensive Information Unavailable |
| Advanced Treatments |
|---|
Arogya Sanjeevani
|
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| ICU Charges |
|---|
Arogya Sanjeevani Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888. |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Co-payment |
|---|
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount. |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Disease-wise sublimits |
|---|
Arogya Sanjeevani A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888. |
VS VS |
Comprehensive Information Unavailable |
| Waiting Period |
|---|
Arogya Sanjeevani Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India. |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Restoration Benefit |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Comprehensive Information Unavailable |
| Daycare Treatment |
|---|
Arogya Sanjeevani Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital. |
VS VS |
Comprehensive covered by the policy. |
| Cumulative Bonus |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| AYUSH Treatment |
|---|
Arogya Sanjeevani Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital. |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Consumable Cover |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| Initial Waiting Period |
|---|
Arogya Sanjeevani 30 days from inception, except for accidents |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| PED Waiting Period |
|---|
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
Arogya Sanjeevani Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule. |
VS VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
|---|
Arogya Sanjeevani Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Arogya Sanjeevani Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits) |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Arogya Sanjeevani kindly refer to the policy wording. |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Arogya Sanjeevani 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 |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Arogya Sanjeevani Not covered. Maternity expenses are excluded. |
VS VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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