Which is Better, Niva Bupa or Star Health?

Niva Bupa and Star Health insurance offer different extensive benefits to their insurers. All the health insurance plans are designed to meet the requirements of insurers and ensure they get the best benefits. 

Star Health Insurance has 14000+ hospital connectivity and a 99.06% claim settlement ratio. It is ideal for those who need extensive coverage and customer support for health across India. 

Niva Bupa Health Insurance has a 100% claim settlement ratio and offers faster processing worldwide. 

To give a better idea, we will discuss Niva Bupa and Star health insurance plans and compare their benefits. So, let’s read for a better idea. 

Niva Bupa Health Insurance Plans and Benefits

Niva Bupa health insurance offers various plans designed to meet individuals' needs. Each Niva Bupa health insurance plan offers different benefits, so let's discuss their offerings -

Types of Health Plans Offered By Niva Bupa- 

• Individual health plans- These plans give coverage for a single person. It started with a low premium (under 5k) and offers good coverage in medical emergencies.
• Family plans- These plans provide coverage of the entire family under one single plan. Any family members can benefit from it. For instance - A plan called Heartbeat can cover up to 19 members in one plan. 
• Senior citizen plans- These plans are specially designed for senior individuals. These cover ambulance services, organ donors, Ayush therapies, and all other healthcare for older people.
• Critical Illness- This coverage provides huge protection against 20 critical illnesses. It helps protect people from severe health crises. 
• Personal accident plan benefits child education or permanent disability in accident cases.

Key Benefits of Niva Bupa Health Insurance

• Niva Bupa has 10000+ network hospital connectivity across India. It offers cashless treatment benefits to the network hospitals.
• It has a high claim settlement ratio of 100%. 
• All the plans offer comprehensive coverage. They also cover pre and post-hospitalisation treatments, alternative treatment, and other medical expenses support.
• It provides a 30% renewal discount on premiums. It helps you to get lower premiums. 
• It also offers a user-friendly app that allows one to easily access the health insurance process.
• Niva Bupa also provides wellness plans for overall health benefits. 

Star Health Insurance Plans and Benefits

Star Health Insurance also offers a variety of plans for different needs. Let's check the plans- 

• Individual Plans- These star health insurance plans provide health-related protection to meet individual needs. 
• Family Plans- These plans provide coverage to families under a single policy. These help to decrease the financial burden. 
• Senior citizen plans- These are designed to provide benefits for Seniors. All these plans offer extensive health benefits, and no mandatory pre-policy medical screening is needed to make these plans available.
• Diabetes plans- These plans offer specialised treatment for diabetic patients, such as insulin coverage, blood check-ups, etc.
• Critical Illness plans- These plans offer extensive services for treating critical illnesses like cancer, kidney problems, etc.

Key Benefits of Star Health Insurance

• Star Health Insurance has 14000+ hospital networks. It offers various options to treat cashless benefits. 
• It also has a high claim settlement ratio of 99.6%, which shows reliability.
• It also covers hospitalisation expenses, pre- and post-hospitalisation costs, maternity expenses, ambulance charges, organ donor coverage, and treatments like Ayush therapies.
• It offers co-payment over 60 years, and no payment is required below 60 years. 
• It provides a high-quality free Telemedicine facility for all, not just for policyholders. 
• Star Health insurance offers numerous wellness programs and up to 20% discount on wellness programs.

Key Comparison of Star Health And Niva Bupa Health Insurance

Customer Service and Queries Support of InsuranceDekho

You can compare Various health insurance plans in India through the InsuranceDekho website. Contact an InsuranceDekho relationship manager via email at support@insurancedekho.com or at +91-755 1196 989 to get complete guidance about insurance according to your needs.

FAQs

Ques 1. Which insurance company has the best claim settlement ratio?

Ans. According to data, HDFC Ergo Insurance has the highest claim settlement ratio of 100% during 2022-23.  

Ques 2. Does Star Health insurance cover dental?

Ans. All-Star Health Insurance plans cover dental treatments that are caused by accidents. Additionally, some plans also provide coverage for dental OPD expenses. 

Ques 3. Who owns Niva Bupa?

Ans. Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa Health Insurance Company Limited) is a joint venture between Fettle Tone LLP (an affiliate of True North Fund VI LLP). This is a leading Indian private equity firm and the UK-based healthcare services expert, Bupa Singapore Holdings Pte. Limited.

Ques 4. Can I get a refund from Star Health Insurance?

Ans. Yes, you can get a refund for your Star health insurance if you are unsatisfied with the terms and conditions. They will allow you the refund of the premium paid after adjusting the cost of pre-acceptance medical screening.