Insurance Plans Comparison
Niva Bupa Health Assurance vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth 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
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
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.
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
Health Assurance Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
VS VS |
Comprehensive Information Unavailable |
| Advanced Treatments |
|---|
Health Assurance Modern Treatments covered up to Sum Insured |
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 |
|---|
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Co-payment |
|---|
Health Assurance Optional co-payment available |
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 |
| Waiting Period |
|---|
Health Assurance Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
Health Assurance 10,000+ Network Hospitals |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Daycare Treatment |
|---|
Health Assurance Covered |
VS VS |
Comprehensive covered by the policy. |
| 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 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 |
|---|
Health Assurance Covered up to Sum Insured |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Consumable Cover |
|---|
Health Assurance Please refer to the policy wording. |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| Initial Waiting Period |
|---|
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
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 |
|---|
Health Assurance 36 months for CritiCare and HospiCash |
VS VS |
Comprehensive Information Unavailable |
| 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 VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Health Assurance Kindly refer to policy wording. |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Assurance Not covered. |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Comprehensive Information Unavailable |
| 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 VS |
Comprehensive Information Unavailable |
| 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 VS |
Comprehensive Information Unavailable |
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?
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Health Assurance vs Supreme Senior Premium
Health Assurance vs Energy Silver Without Copay
Health Assurance vs Ultimate
Health Assurance vs EquiCover
Health Assurance vs Optima Secure Global Plus
Health Assurance vs Optima Secure
Health Assurance vs Super Mediclaim
Health Assurance vs Critical Illness Platinum Plan
Health Assurance vs Health Recharge
Health Assurance vs Golden Shield
Health Assurance vs Optima Secure Plus
Health Assurance vs Cancer Cover Activ Cancer Secure Plan
Health Assurance vs LifeTime Health Global
Health Assurance vs Women Care
Health Assurance vs Aspire Diamond+
Health Assurance vs Activate Booster Plan A
Health Assurance vs myHealth Medisure Super Top-up
Health Assurance vs Health Super Saver Standard
Health Assurance vs Active Care Premier
Health Assurance vs ProHealth Accumulate
Health Assurance vs Health Booster SuperTopup Individual Adult 1 Year N
Health Assurance vs Supreme Shine
Health Assurance vs Health Shield 360 Retail
Health Assurance vs Health Cardiac Care Silver & Gold Plan
Health Assurance vs myHealth Suraksha Gold
Health Assurance vs Max Protect Premium
Health Assurance vs Elder Care
Health Assurance vs Young Star Gold
Health Assurance vs Assure
Health Assurance vs Active Fit Plus
Health Assurance vs Cancer Care Platinum
Health Assurance vs Health Connect Elite
Health Assurance vs Arogya Sanjeevani
Health Assurance vs OneHealth Premium
Health Assurance vs ProHealth Prime Protect
Health Assurance vs Optima Lite
Health Assurance vs Medicare Plus
Health Assurance vs Activ Health Platinum Essential
Health Assurance vs GoActive
Health Assurance vs Criti Shield Family Shield
Health Assurance vs Medicare Senior
Health Assurance vs Enhance Super Top-up Two
Health Assurance vs Reassure 3.0
Health Assurance vs Medicare Protect
Health Assurance vs Health AdvantEdge Plus
Health Assurance vs Activ One SAVR
Health Assurance vs Active Assure Diamond
Health Assurance vs Activ One VIP
Health Assurance vs Health Pulse Classic
Health Assurance vs Advantage
Health Assurance vs Mediclaim Insurance Policy
Health Assurance vs iHealth
Health Assurance vs Special Care Gold
Health Assurance vs Energy Gold Without Copay
Health Assurance vs Activ One Max
Health Assurance vs Smart Super Health
Health Assurance vs Classic
Health Assurance vs Activ One Vytl
Health Assurance vs Supreme
Health Assurance vs Freedom
Health Assurance vs Sarvah Pratham
Health Assurance vs Joy Today
Health Assurance vs Medi Classic
Health Assurance vs Activate Booster Plan B
Health Assurance vs Aspire Gold+
Health Assurance vs Health Gain
Health Assurance vs Aspire Platinum+
Health Assurance vs Plus Complete
Health Assurance vs Health Companion Family First Plan
Health Assurance vs Reassure 2.0 Platinum+
Health Assurance vs Reassure 3.0 Elite
Health Assurance vs Enhance Super Top-up One
Health Assurance vs Joy Tomorrow
Health Assurance vs Reassure 3.0 Select
Health Assurance vs Activ One VIP+
Health Assurance vs Red Carpet Senior Citizens
Health Assurance vs Super Surplus Gold
Health Assurance vs Health SuperCharge
Health Assurance vs Health Elite Plus
Health Assurance vs Medicare Premier
Health Assurance vs Family Health Optima
Health Assurance vs Health Companion Variant 2022
Health Assurance vs Health Companion Variant 3
Health Assurance vs Plus Youth
Health Assurance vs ProHealth Prime Advantage
Health Assurance vs Critical Illness Silver Plan
Health Assurance vs Health Premia Gold
Health Assurance vs Health Premia Platinum
Health Assurance vs Comprehensive
Health Assurance vs HeartBeat Enhanced
Health Assurance vs Reassure
Health Assurance vs Complete Health Insurance Health Shield Plus Plan
Health Assurance vs myHealth Suraksha Platinum
Health Assurance vs Health Recharge Super Top Up Plan
Health Assurance vs Supreme Value for Money
Health Assurance vs Supreme Enhance Two
Health Assurance vs Supreme Senior Super
Health Assurance vs Supreme Enhance
Health Assurance vs Reassure 2.0 Gold
Health Assurance vs Active Fit Preferred
Health Assurance vs LifeTime Health
Health Assurance vs Medicare
Health Assurance vs ProHealth Prime Active
Health Assurance vs ProHealth Prime Senior Elite
Health Assurance vs Advanced Top Up
Health Assurance vs Multiplier Health
Health Assurance vs Ultimate (Direct)
Health Assurance vs Young Star
Health Assurance vs Star Women Care Policy
Health Assurance vs Family Plus
Health Assurance vs Sarvah Param
Health Assurance vs Optima Insurance
Health Assurance vs Smart Super Health Assure
Health Assurance vs Criti Shield Plus
Health Assurance vs Health Care Supreme Ultimo
Health Assurance vs Super Star
Health Assurance vs Reassure 3.0 Black
Health Assurance vs Health Guard Platinum
Health Assurance vs Health Guard Gold
Health Assurance vs Elevate (Direct)
Health Assurance vs Senior First Platinum
Health Assurance vs Extra Care Plus Super Top-up
Health Assurance vs Health Care Supreme Smart
Health Assurance vs Medi Classic Gold
Health Assurance vs Smart Health Pro
Health Assurance vs Optima Super Secure
Health Assurance vs Optima Secure Global
Health Assurance vs Special Care
Health Assurance vs Medicare LITE
Health Assurance vs NextGen
Health Assurance vs Health Shield 360
Health Assurance vs SecureHealth
Health Assurance vs Energy Silver With Copay
Health Assurance vs Supreme (Direct)
Health Assurance vs Plus
Health Assurance vs Medicare Select
Health Assurance vs Complete Health Insurance Health Protect Plus Plan
Health Assurance vs myHealth Koti Suraksha
Health Assurance vs Senior
Health Assurance vs myHealth Suraksha Silver
Health Assurance vs Health Booster
Health Assurance vs Complete Health Insurance Health Shield
Health Assurance vs Cardiac Care Platinum
Health Assurance vs Royal Sundaram Lifeline Elite
Health Assurance vs HeartBeat Platinum
Health Assurance vs Supreme Enhance One
Health Assurance vs HeartBeat Gold
Health Assurance vs Health Companion Variant 2
Health Assurance vs Health Companion Variant 1
Health Assurance vs Aspire Titanium+
Health Assurance vs iHealth Plus
Health Assurance vs Reassure 3.0 Classic
Health Assurance vs Senior Health Advantage
Health Assurance vs Health Wallet
Health Assurance vs Elevate
Health Assurance vs Heart
Health Assurance vs Reassure 2.0 Titanium+
Health Assurance vs Diabetes Safe Plan A
Health Assurance vs Reassure 2.0 Bronze+
Health Assurance vs Young Star Silver
Health Assurance vs Enhance Super Top-up
Health Assurance vs Joy
Health Assurance vs Health Elite
Health Assurance vs Supreme Senior Health AdvantEdge
Health Assurance vs Health AdvantEdge
Health Assurance vs Supreme Super Saver
Health Assurance vs Health Insurance Platinum
Comprehensive vs Supreme Senior Premium
Comprehensive vs Energy Silver Without Copay
Comprehensive vs Ultimate
Comprehensive vs EquiCover
Comprehensive vs Optima Secure Global Plus
Comprehensive vs Optima Secure
Comprehensive vs Super Mediclaim
Comprehensive vs Critical Illness Platinum Plan
Comprehensive vs Health Recharge
Comprehensive vs Golden Shield
Comprehensive vs Optima Secure Plus
Comprehensive vs Cancer Cover Activ Cancer Secure Plan
Comprehensive vs LifeTime Health Global
Comprehensive vs Women Care
Comprehensive vs Aspire Diamond+
Comprehensive vs Activate Booster Plan A
Comprehensive vs myHealth Medisure Super Top-up
Comprehensive vs Health Super Saver Standard
Comprehensive vs Active Care Premier
Comprehensive vs ProHealth Accumulate
Comprehensive vs Health Booster SuperTopup Individual Adult 1 Year N
Comprehensive vs Supreme Shine
Comprehensive vs Health Shield 360 Retail
Comprehensive vs Health Cardiac Care Silver & Gold Plan
Comprehensive vs myHealth Suraksha Gold
Comprehensive vs Max Protect Premium
Comprehensive vs Elder Care
Comprehensive vs Young Star Gold
Comprehensive vs Assure
Comprehensive vs Active Fit Plus
Comprehensive vs Cancer Care Platinum
Comprehensive vs Health Connect Elite
Comprehensive vs Arogya Sanjeevani
Comprehensive vs OneHealth Premium
Comprehensive vs ProHealth Prime Protect
Comprehensive vs Optima Lite
Comprehensive vs Medicare Plus
Comprehensive vs Activ Health Platinum Essential
Comprehensive vs GoActive
Comprehensive vs Criti Shield Family Shield
Comprehensive vs Medicare Senior
Comprehensive vs Enhance Super Top-up Two
Comprehensive vs Reassure 3.0
Comprehensive vs Medicare Protect
Comprehensive vs Health AdvantEdge Plus
Comprehensive vs Activ One SAVR
Comprehensive vs Active Assure Diamond
Comprehensive vs Activ One VIP
Comprehensive vs Health Pulse Classic
Comprehensive vs Advantage
Comprehensive vs Mediclaim Insurance Policy
Comprehensive vs iHealth
Comprehensive vs Special Care Gold
Comprehensive vs Energy Gold Without Copay
Comprehensive vs Activ One Max
Comprehensive vs Smart Super Health
Comprehensive vs Classic
Comprehensive vs Activ One Vytl
Comprehensive vs Supreme
Comprehensive vs Freedom
Comprehensive vs Sarvah Pratham
Comprehensive vs Joy Today
Comprehensive vs Medi Classic
Comprehensive vs Activate Booster Plan B
Comprehensive vs Aspire Gold+
Comprehensive vs Health Gain
Comprehensive vs Aspire Platinum+
Comprehensive vs Plus Complete
Comprehensive vs Health Companion Family First Plan
Comprehensive vs Reassure 2.0 Platinum+
Comprehensive vs Reassure 3.0 Elite
Comprehensive vs Enhance Super Top-up One
Comprehensive vs Joy Tomorrow
Comprehensive vs Reassure 3.0 Select
Comprehensive vs Activ One VIP+
Comprehensive vs Red Carpet Senior Citizens
Comprehensive vs Super Surplus Gold
Comprehensive vs Health SuperCharge
Comprehensive vs Health Elite Plus
Comprehensive vs Medicare Premier
Comprehensive vs Family Health Optima
Comprehensive vs Health Companion Variant 2022
Comprehensive vs Health Companion Variant 3
Comprehensive vs Plus Youth
Comprehensive vs ProHealth Prime Advantage
Comprehensive vs Critical Illness Silver Plan
Comprehensive vs Health Premia Gold
Comprehensive vs Health Premia Platinum
Comprehensive vs HeartBeat Enhanced
Comprehensive vs Reassure
Comprehensive vs Complete Health Insurance Health Shield Plus Plan
Comprehensive vs myHealth Suraksha Platinum
Comprehensive vs Health Recharge Super Top Up Plan
Comprehensive vs Supreme Value for Money
Comprehensive vs Supreme Enhance Two
Comprehensive vs Supreme Senior Super
Comprehensive vs Supreme Enhance
Comprehensive vs Reassure 2.0 Gold
Comprehensive vs Active Fit Preferred
Comprehensive vs LifeTime Health
Comprehensive vs Medicare
Comprehensive vs ProHealth Prime Active
Comprehensive vs ProHealth Prime Senior Elite
Comprehensive vs Advanced Top Up
Comprehensive vs Multiplier Health
Comprehensive vs Ultimate (Direct)
Comprehensive vs Young Star
Comprehensive vs Star Women Care Policy
Comprehensive vs Health Assurance
Comprehensive vs Family Plus
Comprehensive vs Sarvah Param
Comprehensive vs Optima Insurance
Comprehensive vs Smart Super Health Assure
Comprehensive vs Criti Shield Plus
Comprehensive vs Health Care Supreme Ultimo
Comprehensive vs Super Star
Comprehensive vs Reassure 3.0 Black
Comprehensive vs Health Guard Platinum
Comprehensive vs Health Guard Gold
Comprehensive vs Elevate (Direct)
Comprehensive vs Senior First Platinum
Comprehensive vs Extra Care Plus Super Top-up
Comprehensive vs Health Care Supreme Smart
Comprehensive vs Medi Classic Gold
Comprehensive vs Smart Health Pro
Comprehensive vs Optima Super Secure
Comprehensive vs Optima Secure Global
Comprehensive vs Special Care
Comprehensive vs Medicare LITE
Comprehensive vs NextGen
Comprehensive vs Health Shield 360
Comprehensive vs SecureHealth
Comprehensive vs Energy Silver With Copay
Comprehensive vs Supreme (Direct)
Comprehensive vs Plus
Comprehensive vs Medicare Select
Comprehensive vs Complete Health Insurance Health Protect Plus Plan
Comprehensive vs myHealth Koti Suraksha
Comprehensive vs Senior
Comprehensive vs myHealth Suraksha Silver
Comprehensive vs Health Booster
Comprehensive vs Complete Health Insurance Health Shield
Comprehensive vs Cardiac Care Platinum
Comprehensive vs Royal Sundaram Lifeline Elite
Comprehensive vs HeartBeat Platinum
Comprehensive vs Supreme Enhance One
Comprehensive vs HeartBeat Gold
Comprehensive vs Health Companion Variant 2
Comprehensive vs Health Companion Variant 1
Comprehensive vs Aspire Titanium+
Comprehensive vs iHealth Plus
Comprehensive vs Reassure 3.0 Classic
Comprehensive vs Senior Health Advantage
Comprehensive vs Health Wallet
Comprehensive vs Elevate
Comprehensive vs Heart
Comprehensive vs Reassure 2.0 Titanium+
Comprehensive vs Diabetes Safe Plan A
Comprehensive vs Reassure 2.0 Bronze+
Comprehensive vs Young Star Silver
Comprehensive vs Enhance Super Top-up
Comprehensive vs Joy
Comprehensive vs Health Elite
Comprehensive vs Supreme Senior Health AdvantEdge
Comprehensive vs Health AdvantEdge
Comprehensive vs Supreme Super Saver
Comprehensive vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)