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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs Star Young Star Gold

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

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Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

VS
Star

Young Star Gold

Get up to ₹30,000 per delivery, for two deliveries after you and your spouse have both been covered for 36 months, plus ₹1,000 a hospital day after a one-day deductible, up to 7 days a stay and 14 a year.

What Makes It Special:

Star Young Star Gold is a smart health insurance plan designed for young adults, offering sum insured options from ₹3 lakh up to ₹1 crore. The plan covers hospitalization, daycare procedures, pre and post-hospitalization expenses, and provides cashless treatment across a wide hospital network. It features no pre-acceptance medical screening,...

Best For:

  • Young families using a floater policy

  • Customers wanting automatic restoration

  • Flexible payment and coverage options

  • Comprehensive high-limit individual and floater

  • Smart young adult health protection

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

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Star Young Star Gold

  • You seek automatic sum insured restoration

  • You enjoy wellness rewards and teleconsultations

  • You value maternity and newborn benefits included

  • You want cashless treatments at many hospitals

  • You prefer no medical screening for easy entry

  • You want broad coverage up to ₹1 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

VS
Young Star Gold
Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
VS

Young Star Gold

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Advanced Treatments

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
VS

Young Star Gold

Information Unavailable

ICU Charges

Health Companion Variant 1

Covered up to the sum insured as part of in-patient care

VS

Young Star Gold

No restriction on ICU room rent

Co-payment

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

VS

Young Star Gold

Not Available

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Young Star Gold

Yes, certain diseases have coverage limits

Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Young Star Gold

13000+ Healthcare Providers

Restoration Benefit

Health Companion Variant 1

Information Unavailable

VS

Young Star Gold

Sum insured restores to 100% after each claim during the policy year

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Young Star Gold

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

Cumulative Bonus

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

VS

Young Star Gold

Sum insured increases by 20% every year, up to 100% max

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Young Star Gold

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

Consumable Cover

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

VS

Young Star Gold

Yes

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Young Star Gold

30 days.

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Young Star Gold

1 year

PED Waiting Period

Health Companion Variant 1

36 months

VS

Young Star Gold

1 year

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Young Star Gold

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

Annual Health Checkup

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

VS

Young Star Gold

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

Pre-Hospitalisation

Health Companion Variant 1

60 days before admission

VS

Young Star Gold

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

Post-Hospitalisation

Health Companion Variant 1

180 days after discharge

VS

Young Star Gold

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

Outpatient Department Cover (OPD Expense)

Health Companion Variant 1

Not covered

VS

Young Star Gold

Not covered under base plan (available as add-on)

Deductible Option

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

VS

Young Star Gold

Available as an option

Coverage Options

Health Companion Variant 1

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Young Star Gold

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

Claim Settlement Ratio

Health Companion Variant 1

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Young Star Gold

82.31%

Maternity Cover

Health Companion Variant 1

Not covered

VS

Young Star Gold

Available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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24/7 Claim Assistance

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

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

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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)

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