Insurance Plans Comparison
Star Super Star vs Niva Bupa Health Premia Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSuper Star
Super Star
What Makes It Special:
Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers
Best For:
Buyers who want extensive optional cover choices
Customers looking for any-room eligibility
Customers interested in unlimited restoration
Families wanting flexible floater options
Individuals seeking broad health coverage
VS
Health Premia Gold
Health Premia Gold offers ₹10-50 Lakh cover with 100% refill, 10% yearly loyalty additions, maternity cover and in-built single-trip travel insurance.
What Makes It Special:
Health Premia Gold is the mid-tier plan of Niva Bupa's Health Premia product. Along with hospitalisation up to Sum Insured (any room except suite), 90/180 days pre/post-hospitalisation and AYUSH cover, it adds LASER surgery cover and an in-built international cover of up to ₹30 Lakh for one trip of up...
Best For:
Extended families (Family First) wanting up to 19 relationships in one policy
Buyers who want a 100% refill plus 10% yearly loyalty additions regardless of claims
People who want LASER surgery and mental health cover included
Frequent-ish travellers who value in-built overseas emergency cover for one trip a year
Families wanting ₹10-50 Lakh cover with maternity and newborn benefits
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
Not available
Things to Consider: Domestic OPD cover and Second Medical Opinion are not included in Gold.
Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month waiting period.
Things to Consider: Non-payable items (consumables like gloves) need the paid Safeguard add-on.
Things to Consider: Choosing Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.
Things to Consider: Maternity cover is only for Family Floater / Family First policies and needs 24 months of continuous cover.
Reasons to Consider: In-built international cover (₹30 Lakh, one trip) and LASER surgery cover are included.
Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is just 12 months.
Reasons to Consider: Pre and post-hospitalisation are covered for 90 and 180 days.
Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.
Reasons to Consider: Loyalty Additions grow your cover by 10% of Base Sum Insured every year (up to 100%), even if you make a claim.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Super Star Health Insurance Plan VS VS |
Health Premia Gold Health Insurance Plan |
| Room Rent |
|---|
Super Star Any Room |
VS VS |
Health Premia Gold Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken |
| ICU Charges |
|---|
Super Star Covered up to Sum Insured |
VS VS |
Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated |
| Co-payment |
|---|
Super Star No mandatory co-payment; voluntary options available |
VS VS |
Health Premia Gold No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay |
| Disease-wise sublimits |
|---|
Super Star Applicable treatment-specific limits may apply |
VS VS |
Health Premia Gold No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event) |
| Cashless Healthcare Providers |
|---|
Super Star Cashless treatment through network hospitals |
VS VS |
Health Premia Gold Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes |
| Restoration Benefit |
|---|
Super Star Automatic restoration up to 100%, unlimited number of times |
VS VS |
Health Premia Gold Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant |
| Cumulative Bonus |
|---|
Super Star 50% of Sum Insured for each claim-free year, up to 100% |
VS VS |
Health Premia Gold Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200% |
| Daycare Treatment |
|---|
Super Star All daycare procedures covered |
VS VS |
Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured |
| Consumable Cover |
|---|
Super Star Available subject to selected cover |
VS VS |
Health Premia Gold Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324) |
| AYUSH Treatment |
|---|
Super Star Covered up to Sum Insured |
VS VS |
Health Premia Gold In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation |
| Initial Waiting Period |
|---|
Super Star 30 Days |
VS VS |
Health Premia Gold 30 days (not for accidents or renewals) |
| Specific Waiting Period |
|---|
Super Star 24 Months |
VS VS |
Health Premia Gold 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months |
| PED Waiting Period |
|---|
Super Star 36 Months |
VS VS |
Health Premia Gold 24 months of continuous cover |
| Modern Treatment |
|---|
Super Star Covered up to Sum Insured |
VS VS |
Health Premia Gold Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries |
| Annual Health Checkup |
|---|
Super Star Available subject to policy terms |
VS VS |
Health Premia Gold Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500 |
| Pre-Hospitalisation |
|---|
Super Star Up to 90 Days |
VS VS |
Health Premia Gold Up to 90 days before admission, covered up to Sum Insured |
| Post-Hospitalisation |
|---|
Super Star Up to 180 Days |
VS VS |
Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Star Not a standard base OPD benefit |
VS VS |
Health Premia Gold Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans |
| Deductible Option |
|---|
Super Star Optional aggregate deductible available |
VS VS |
Health Premia Gold Not available (the policy wording has no deductible option for Health Premia) |
| Coverage Options |
|---|
Super Star ₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option |
VS VS |
Health Premia Gold Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal |
| Claim Settlement Ratio |
|---|
Super Star Not specified |
VS VS |
Health Premia Gold 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26) |
| Maternity Cover |
|---|
Super Star Available through optional covers |
VS VS |
Health Premia Gold Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year |
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
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
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
Super Star vs Optima Secure
Super Star vs Super Mediclaim
Super Star vs Health Recharge
Super Star vs Cancer Cover Activ Cancer Secure Plan
Super Star vs Optima Secure Plus
Super Star vs Women Care
Super Star vs Aspire Diamond+
Super Star vs Activate Booster Plan A
Super Star vs Active Care Premier
Super Star vs ProHealth Accumulate
Super Star vs Health Super Saver Standard
Super Star vs Supreme Shine
Super Star vs Optima Secure Global Plus
Super Star vs Health Cardiac Care Silver & Gold Plan
Super Star vs myHealth Suraksha Gold
Super Star vs LifeTime Health Global
Super Star vs Active Fit Plus
Super Star vs OneHealth Premium
Super Star vs Activ Health Platinum Essential
Super Star vs Medicare Plus
Super Star vs Medicare Senior
Super Star vs Enhance Super Top-up Two
Super Star vs Medicare Protect
Super Star vs Activ One SAVR
Super Star vs Active Assure Diamond
Super Star vs Activ One VIP
Super Star vs Health Pulse Classic
Super Star vs Advantage
Super Star vs Special Care Gold
Super Star vs Activ One Max
Super Star vs Classic
Super Star vs Activ One Vytl
Super Star vs Supreme
Super Star vs Freedom
Super Star vs Sarvah Pratham
Super Star vs Joy Today
Super Star vs Medi Classic
Super Star vs Activate Booster Plan B
Super Star vs Aspire Gold+
Super Star vs Aspire Platinum+
Super Star vs Plus Complete
Super Star vs Reassure 2.0 Platinum+
Super Star vs Elder Care
Super Star vs Reassure 3.0 Elite
Super Star vs EquiCover
Super Star vs Young Star Gold
Super Star vs Enhance Super Top-up One
Super Star vs Joy Tomorrow
Super Star vs Activ One VIP+
Super Star vs Reassure 3.0 Select
Super Star vs Red Carpet Senior Citizens
Super Star vs Medicare Premier
Super Star vs Family Health Optima
Super Star vs Health Companion Variant 2022
Super Star vs Health Companion Variant 3
Super Star vs Plus Youth
Super Star vs Assure
Super Star vs Health Premia Gold
Super Star vs Health Premia Platinum
Super Star vs Cancer Care Platinum
Super Star vs Optima Lite
Super Star vs ProHealth Prime Protect
Super Star vs Comprehensive
Super Star vs HeartBeat Enhanced
Super Star vs Reassure
Super Star vs Supreme Senior Premium
Super Star vs Health Recharge Super Top Up Plan
Super Star vs Reassure 3.0
Super Star vs myHealth Suraksha Platinum
Super Star vs Supreme Value for Money
Super Star vs Supreme Senior Super
Super Star vs Supreme Enhance
Super Star vs Reassure 2.0 Gold
Super Star vs Medicare
Super Star vs Ultimate (Direct)
Super Star vs Young Star
Super Star vs Sarvah Param
Super Star vs Optima Insurance
Super Star vs Smart Super Health Assure
Super Star vs Reassure 3.0 Black
Super Star vs Health Guard Platinum
Super Star vs Health Guard Gold
Super Star vs Elevate (Direct)
Super Star vs Extra Care Plus Super Top-up
Super Star vs Health Care Supreme Smart
Super Star vs Smart Health Pro
Super Star vs Medi Classic Gold
Super Star vs Optima Super Secure
Super Star vs Special Care
Super Star vs Medicare LITE
Super Star vs Health Shield 360
Super Star vs SecureHealth
Super Star vs Supreme (Direct)
Super Star vs Plus
Super Star vs Mediclaim Insurance Policy
Super Star vs Medicare Select
Super Star vs Health Gain
Super Star vs myHealth Koti Suraksha
Super Star vs Senior
Super Star vs myHealth Suraksha Silver
Super Star vs Cardiac Care Platinum
Super Star vs Royal Sundaram Lifeline Elite
Super Star vs Super Surplus Gold
Super Star vs Supreme Enhance One
Super Star vs Supreme Enhance Two
Super Star vs HeartBeat Platinum
Super Star vs HeartBeat Gold
Super Star vs Health SuperCharge
Super Star vs Aspire Titanium+
Super Star vs iHealth Plus
Super Star vs ProHealth Prime Advantage
Super Star vs Active Fit Preferred
Super Star vs Reassure 3.0 Classic
Super Star vs Senior Health Advantage
Super Star vs Health Wallet
Super Star vs Elevate
Super Star vs Heart
Super Star vs LifeTime Health
Super Star vs Reassure 2.0 Titanium+
Super Star vs ProHealth Prime Active
Super Star vs ProHealth Prime Senior Elite
Super Star vs Advanced Top Up
Super Star vs Multiplier Health
Super Star vs Diabetes Safe Plan A
Super Star vs Reassure 2.0 Bronze+
Super Star vs Enhance Super Top-up
Super Star vs Young Star Silver
Super Star vs Star Women Care Policy
Super Star vs Joy
Super Star vs Supreme Senior Health AdvantEdge
Super Star vs Family Plus
Super Star vs Criti Shield Plus
Super Star vs Health Care Supreme Ultimo
Super Star vs Health Shield 360 Retail
Super Star vs Supreme Super Saver
Super Star vs Senior First Platinum
Super Star vs Optima Secure Global
Super Star vs NextGen
Super Star vs Health Insurance Platinum
Super Star vs Energy Silver With Copay
Health Premia Gold vs Optima Secure
Health Premia Gold vs Super Mediclaim
Health Premia Gold vs Health Recharge
Health Premia Gold vs Cancer Cover Activ Cancer Secure Plan
Health Premia Gold vs Optima Secure Plus
Health Premia Gold vs Women Care
Health Premia Gold vs Aspire Diamond+
Health Premia Gold vs Activate Booster Plan A
Health Premia Gold vs Active Care Premier
Health Premia Gold vs ProHealth Accumulate
Health Premia Gold vs Health Super Saver Standard
Health Premia Gold vs Supreme Shine
Health Premia Gold vs Optima Secure Global Plus
Health Premia Gold vs Health Cardiac Care Silver & Gold Plan
Health Premia Gold vs myHealth Suraksha Gold
Health Premia Gold vs LifeTime Health Global
Health Premia Gold vs Active Fit Plus
Health Premia Gold vs OneHealth Premium
Health Premia Gold vs Activ Health Platinum Essential
Health Premia Gold vs Medicare Plus
Health Premia Gold vs Medicare Senior
Health Premia Gold vs Enhance Super Top-up Two
Health Premia Gold vs Medicare Protect
Health Premia Gold vs Activ One SAVR
Health Premia Gold vs Active Assure Diamond
Health Premia Gold vs Activ One VIP
Health Premia Gold vs Health Pulse Classic
Health Premia Gold vs Advantage
Health Premia Gold vs Special Care Gold
Health Premia Gold vs Activ One Max
Health Premia Gold vs Classic
Health Premia Gold vs Activ One Vytl
Health Premia Gold vs Supreme
Health Premia Gold vs Freedom
Health Premia Gold vs Sarvah Pratham
Health Premia Gold vs Joy Today
Health Premia Gold vs Medi Classic
Health Premia Gold vs Activate Booster Plan B
Health Premia Gold vs Aspire Gold+
Health Premia Gold vs Aspire Platinum+
Health Premia Gold vs Plus Complete
Health Premia Gold vs Reassure 2.0 Platinum+
Health Premia Gold vs Elder Care
Health Premia Gold vs Reassure 3.0 Elite
Health Premia Gold vs EquiCover
Health Premia Gold vs Young Star Gold
Health Premia Gold vs Enhance Super Top-up One
Health Premia Gold vs Joy Tomorrow
Health Premia Gold vs Activ One VIP+
Health Premia Gold vs Reassure 3.0 Select
Health Premia Gold vs Red Carpet Senior Citizens
Health Premia Gold vs Medicare Premier
Health Premia Gold vs Family Health Optima
Health Premia Gold vs Health Companion Variant 2022
Health Premia Gold vs Health Companion Variant 3
Health Premia Gold vs Plus Youth
Health Premia Gold vs Assure
Health Premia Gold vs Health Premia Platinum
Health Premia Gold vs Cancer Care Platinum
Health Premia Gold vs Optima Lite
Health Premia Gold vs ProHealth Prime Protect
Health Premia Gold vs Comprehensive
Health Premia Gold vs HeartBeat Enhanced
Health Premia Gold vs Reassure
Health Premia Gold vs Supreme Senior Premium
Health Premia Gold vs Health Recharge Super Top Up Plan
Health Premia Gold vs Reassure 3.0
Health Premia Gold vs myHealth Suraksha Platinum
Health Premia Gold vs Supreme Value for Money
Health Premia Gold vs Supreme Senior Super
Health Premia Gold vs Supreme Enhance
Health Premia Gold vs Reassure 2.0 Gold
Health Premia Gold vs Medicare
Health Premia Gold vs Ultimate (Direct)
Health Premia Gold vs Young Star
Health Premia Gold vs Sarvah Param
Health Premia Gold vs Optima Insurance
Health Premia Gold vs Smart Super Health Assure
Health Premia Gold vs Reassure 3.0 Black
Health Premia Gold vs Health Guard Platinum
Health Premia Gold vs Health Guard Gold
Health Premia Gold vs Elevate (Direct)
Health Premia Gold vs Extra Care Plus Super Top-up
Health Premia Gold vs Health Care Supreme Smart
Health Premia Gold vs Smart Health Pro
Health Premia Gold vs Medi Classic Gold
Health Premia Gold vs Optima Super Secure
Health Premia Gold vs Special Care
Health Premia Gold vs Medicare LITE
Health Premia Gold vs Health Shield 360
Health Premia Gold vs SecureHealth
Health Premia Gold vs Supreme (Direct)
Health Premia Gold vs Plus
Health Premia Gold vs Mediclaim Insurance Policy
Health Premia Gold vs Medicare Select
Health Premia Gold vs Health Gain
Health Premia Gold vs myHealth Koti Suraksha
Health Premia Gold vs Senior
Health Premia Gold vs myHealth Suraksha Silver
Health Premia Gold vs Cardiac Care Platinum
Health Premia Gold vs Royal Sundaram Lifeline Elite
Health Premia Gold vs Super Surplus Gold
Health Premia Gold vs Supreme Enhance One
Health Premia Gold vs Supreme Enhance Two
Health Premia Gold vs HeartBeat Platinum
Health Premia Gold vs HeartBeat Gold
Health Premia Gold vs Health SuperCharge
Health Premia Gold vs Aspire Titanium+
Health Premia Gold vs iHealth Plus
Health Premia Gold vs ProHealth Prime Advantage
Health Premia Gold vs Active Fit Preferred
Health Premia Gold vs Reassure 3.0 Classic
Health Premia Gold vs Senior Health Advantage
Health Premia Gold vs Health Wallet
Health Premia Gold vs Elevate
Health Premia Gold vs Heart
Health Premia Gold vs LifeTime Health
Health Premia Gold vs Reassure 2.0 Titanium+
Health Premia Gold vs ProHealth Prime Active
Health Premia Gold vs ProHealth Prime Senior Elite
Health Premia Gold vs Advanced Top Up
Health Premia Gold vs Multiplier Health
Health Premia Gold vs Diabetes Safe Plan A
Health Premia Gold vs Reassure 2.0 Bronze+
Health Premia Gold vs Enhance Super Top-up
Health Premia Gold vs Young Star Silver
Health Premia Gold vs Star Women Care Policy
Health Premia Gold vs Joy
Health Premia Gold vs Supreme Senior Health AdvantEdge
Health Premia Gold vs Family Plus
Health Premia Gold vs Criti Shield Plus
Health Premia Gold vs Health Care Supreme Ultimo
Health Premia Gold vs Health Shield 360 Retail
Health Premia Gold vs Super Star
Health Premia Gold vs Supreme Super Saver
Health Premia Gold vs Senior First Platinum
Health Premia Gold vs Optima Secure Global
Health Premia Gold vs NextGen
Health Premia Gold vs Health Insurance Platinum
Health Premia Gold vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

