Star Health Insurance Star Women Care Policy vs Niva Bupa Health Insurance Heart Beat Gold

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

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

No

Yes

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

Optional

100% once after full/partial utilization in a year

100% of base sum insured restored once every policy year for future claims

13000+ Healthcare Providers

10000+ Healthcare Providers

20% each year, up to 100%

Your sum insured increases by 10% every year, maximum up to 100%

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.

90 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

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

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 not available

Not Available

Available as an option

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

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr

99.21%

90.10%

Available

Available with capping based on base sum insured.