Insurance Plans Comparison
Niva Bupa Health Recharge Super Top Up Plan vs Star Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Recharge Super Top Up Plan
Niva Bupa Health Recharge Super Top Up Plan
What Makes It Special:
Health Recharge Super Top Up Plan is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
High coverage for seniors and their families
Easy cashless service across hospitals nationwide
Covers daycare and hospital treatments
Extra add-ons for enhanced protection
VS
Assure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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
Prefer daily coverage for pharmacy & diagnostics
Want flexible deductible options for lower premiums
Need cashless treatment at large hospital network
Prefer 60-day pre & 90-day post-hospital care
You want coverage up to ₹95 lakhs
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Recharge Super Top Up Plan Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Health Recharge Super Top Up Plan Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| ICU Charges |
|---|
Health Recharge Super Top Up Plan No restriction on ICU room rent |
VS VS |
Assure No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Health Recharge Super Top Up Plan No |
VS VS |
Assure No |
| Co-payment |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Restoration Benefit |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Assure 14000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Health Recharge Super Top Up Plan Your sum insured increases by 5% every year, maximum up to 50% |
VS VS |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| Daycare Treatment |
|---|
Health Recharge Super Top Up Plan Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Health Recharge Super Top Up Plan Yes |
VS VS |
Assure Yes |
| AYUSH Treatment |
|---|
Health Recharge Super Top Up Plan Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Health Recharge Super Top Up Plan 30 days. |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
Health Recharge Super Top Up Plan 2 years |
VS VS |
Assure 2 years |
| PED Waiting Period |
|---|
Health Recharge Super Top Up Plan 3 years |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| Modern Treatment |
|---|
Health Recharge Super Top Up Plan Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Health Recharge Super Top Up Plan You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Health Recharge Super Top Up Plan You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Recharge Super Top Up Plan OPD expenses are covered |
VS VS |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
Health Recharge Super Top Up Plan Available |
VS VS |
Assure Available as an option |
| Coverage Options |
|---|
Health Recharge Super Top Up Plan Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L. |
VS VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Health Recharge Super Top Up Plan 92.02% |
VS VS |
Assure 82.31% |
| Maternity Cover |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
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
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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