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Insurance Plans Comparison

Star Super Surplus Gold vs Niva Bupa Health Pulse Classic

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

VS
Niva Bupa

Health Pulse Classic

Niva Bupa Health Pulse Classic

What Makes It Special:

A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.

Best For:

  • Customers comfortable with room rent limits on lower Sum Insured options.

  • Adults aged 18 to 65 years buying a new policy, subject to eligibility.

  • People who want the option to add Personal Accident or Critical Illness cover.

  • Buyers who want their cover to grow through annual Loyalty Additions.

  • First-time buyers looking for straightforward hospitalisation coverage.

  • Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.

Insurance Plans Comparison

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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

Star Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

Niva Bupa Health Pulse Classic

  • The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.

  • There is no deductible option.

  • Maternity and general OPD treatment are not covered.

  • Pre-existing diseases have a 36-month waiting period.

  • Listed specified conditions have a 24-month waiting period.

  • Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.

  • For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.

  • A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.

  • Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.

  • Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.

  • A single private room is covered for Sum Insured of ₹5 Lakh and above.

  • Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.

  • Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

Room Rent

Super Surplus Gold

Single Private A/C Room


VS

Health Pulse Classic

  1.  Normal: single A/C private room
  2. ICU: no limit, expenses incurred would be covered by the policy.
ICU Charges

Super Surplus Gold

Covered as part of hospitalisation

VS

Health Pulse Classic

Information Unavailable

Advanced Treatments

Super Surplus Gold

Information Unavailable

VS

Health Pulse Classic

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Super Surplus Gold

Not specified as a standard co-payment

VS

Health Pulse Classic

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

Disease-wise sublimits

Super Surplus Gold

Specific limits and defined limits apply


VS

Health Pulse Classic

Information Unavailable

Waiting Period

Super Surplus Gold

Information Unavailable

VS

Health Pulse Classic

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception. 
Cashless Healthcare Providers

Super Surplus Gold

Cashless treatment through network hospitals

VS

Health Pulse Classic

10675+ network hospitals in India.

Restoration Benefit

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


VS

Health Pulse Classic

Information Unavailable

Cumulative Bonus

Super Surplus Gold

Not specified


VS

Health Pulse Classic

Information Unavailable

Daycare Treatment

Super Surplus Gold

All daycare procedures covered

VS

Health Pulse Classic

Covered by the policy.

Consumable Cover

Super Surplus Gold

Not specified

VS

Health Pulse Classic

Information Unavailable

AYUSH Treatment

Super Surplus Gold

Covered up to Sum Insured

VS

Health Pulse Classic

Covered by the policy.

Initial Waiting Period

Super Surplus Gold

30 Days, subject to policy terms


VS

Health Pulse Classic

Information Unavailable

Specific Waiting Period

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


VS

Health Pulse Classic

Information Unavailable

PED Waiting Period

Super Surplus Gold

12 Months for Gold Plan PEDs

VS

Health Pulse Classic

Information Unavailable

Modern Treatment

Super Surplus Gold

Covered subject to applicable limits

VS

Health Pulse Classic

Information Unavailable

Annual Health Checkup

Super Surplus Gold

Not specified

VS

Health Pulse Classic

Information Unavailable

Pre-Hospitalisation

Super Surplus Gold

Up to 60 Days


VS

Health Pulse Classic

Information Unavailable

Post-Hospitalisation

Super Surplus Gold

Up to 90 Days

VS

Health Pulse Classic

Information Unavailable

Outpatient Department Cover (OPD Expense)

Super Surplus Gold

Not a standard OPD benefit

VS

Health Pulse Classic

Information Unavailable

Deductible Option

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


VS

Health Pulse Classic

Information Unavailable

Coverage Options

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


VS

Health Pulse Classic

Information Unavailable

Claim Settlement Ratio

Super Surplus Gold

Not specified

VS

Health Pulse Classic

Information Unavailable

Maternity Cover

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


VS

Health Pulse Classic

Information Unavailable

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

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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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

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