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Insurance Plans Comparison

Star Young Star Silver 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

Young Star Silver

Star Young Star Silver

What Makes It Special:

Young Star Insurance Policy is designed for eligible young adults and their families, with Silver and Gold Plan structures. The Silver Plan provides hospitalisation and daycare coverage with automatic restoration, cumulative bonus, health check-up, wellness benefits and Hospital Cash Benefit.

Best For:

  • Global treatment and maternity cover

  • Unlimited loyalty and wellness benefits

  • Flexible high-limit coverage plan

  • Smart young adult health 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

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

Star Young Star Silver

  • You prefer coverage for AYUSH, diagnostics, and emergencies

  • You seek maternity and newborn coverage included

  • You need cashless hospital treatment nationwide

  • You prefer no medical screening for easy access

  • You want high coverage options 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

Young Star Silver
Young Star Silver

Health Insurance Plan

Brochure

Policy Wording

VS
Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

Room Rent

Young Star Silver

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

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

Young Star Silver

No restriction on ICU room rent

VS

Health Pulse Classic

Information Unavailable

Advanced Treatments

Young Star Silver

Information Unavailable

VS

Health Pulse Classic

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

Disease-wise sublimits

Young Star Silver

No

VS

Health Pulse Classic

Information Unavailable

Co-payment

Young Star Silver

Not Available

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.

Waiting Period

Young Star Silver

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. 
Restoration Benefit

Young Star Silver

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Health Pulse Classic

Information Unavailable

Cashless Healthcare Providers

Young Star Silver

13000+ Healthcare Providers

VS

Health Pulse Classic

10675+ network hospitals in India.

Cumulative Bonus

Young Star Silver

Your sum insured increases by 20% every year, maximum up to 100%

VS

Health Pulse Classic

Information Unavailable

Daycare Treatment

Young Star Silver

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

VS

Health Pulse Classic

Covered by the policy.

Consumable Cover

Young Star Silver

Yes

VS

Health Pulse Classic

Information Unavailable

AYUSH Treatment

Young Star Silver

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

VS

Health Pulse Classic

Covered by the policy.

Initial Waiting Period

Young Star Silver

30 days.

VS

Health Pulse Classic

Information Unavailable

Specific Waiting Period

Young Star Silver

1 year

VS

Health Pulse Classic

Information Unavailable

PED Waiting Period

Young Star Silver

1 year

VS

Health Pulse Classic

Information Unavailable

Modern Treatment

Young Star Silver

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

VS

Health Pulse Classic

Information Unavailable

Annual Health Checkup

Young Star Silver

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

VS

Health Pulse Classic

Information Unavailable

Pre-Hospitalisation

Young Star Silver

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

VS

Health Pulse Classic

Information Unavailable

Post-Hospitalisation

Young Star Silver

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

VS

Health Pulse Classic

Information Unavailable

Outpatient Department Cover (OPD Expense)

Young Star Silver

OPD expense is not included

VS

Health Pulse Classic

Information Unavailable

Deductible Option

Young Star Silver

Available as an option

VS

Health Pulse Classic

Information Unavailable

Coverage Options

Young Star Silver

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

VS

Health Pulse Classic

Information Unavailable

Claim Settlement Ratio

Young Star Silver

82.31%

VS

Health Pulse Classic

Information Unavailable

Maternity Cover

Young Star Silver

Available

VS

Health Pulse Classic

Information Unavailable

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?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

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

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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