Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Niva Bupa - Health Companion | Star Health and Allied - Star Health Family Health Optima |
|---|---|---|
| Co-Pay | No | Yes |
| Disease Sub-limit | Yes | NA |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 3 | 3 |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Organ Donor Cover | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Modern Treatments | No (Covered up to: sum insured) | NA |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | NA |
| Refill Trigger | Partial exhaustion of Sum Insured | NA |
| Refill Limit | Once in a policy year | 3 times in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | Yes | Yes |
| Bonus Rate | 20% | NA |
| Bonus Max Limit | NA | 10% |
| % Settled < 30 Days | 99.95% | 97.69% |
| % Complaints on Claims | 0.43% | 0.52% |
| Incurred Claim Ratio | 61.64% | 70.53% |
| Claim Settlement Ratio (No.) | 90.64% | 87.17% |
| Claim Settlement Ratio (Value) | 74.32% | 84.62% |
| Claim Rejection Ratio | 7.30% | 11.32% |
| Cashless Hospitals | 10,000+ | 14,000+ |
| Affordability | Expensive | Expensive |
| Plan Type | Individual / Family Floater | Individual |