Star Health Insurance Star Women Care Policy vs Niva Bupa Health Insurance Health Recharge Super Top Up Plan

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

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

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

Not Available

100% once after full/partial utilization in a year

Not Available

13000+ Healthcare Providers

20% each year, up to 100%

Your sum insured increases by 5% every year, maximum up to 50%

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Yes

Yes

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

30 days.

30 days.

2 years

2 years

3 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Health check-up is available once every policy year, from day 1 of the policy

Not Available

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD is available

OPD expenses are covered

Not Available

Available

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

99.21%

10000+ Healthcare Providers

Available

Not Available