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Plan Comparison

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Top Health Insurance Plans from India's Best Insurers

Compare Star Health, Care Health, and Niva Bupa plans side by side across multiple variants

  • Comprehensive Coverage
  • Unlimited / High SI Options
  • Wellness & Discounts
  • IRDAI Approved

Plan 1 – Standard Coverage

Comprehensive health insurance from India's top insurers

Star Health
Assure · Plan 1
Individual / Floater 1/2/3 Year
  • Room Rent: 1% of SI (Any Room except suite)
  • Ambulance: Road up to SI
  • Air Ambulance: 10% of SI
  • Pre/Post: 60 days / 180 days
  • Home Care: 10% SI (Max ₹5L)
  • Restoration: Unlimited, 100% each time
  • Organ Donor: Covered up to SI
  • Wellness: Up to 20% discount
Deductible 45-55% off PED: 3 years AYUSH Covered
SI: ₹5L – ₹2Cr
SHAHLIP23131V022223 4.5 ★
Care Health
Plan 1 · Unlimited
Individual / Floater 2A2C 1–5 Year
  • Unlimited SI: Optional
  • Room Rent: Up to SI (ICU no limit)
  • Modern Treatments: Up to SI
  • Pre/Post: 60 days / 90 days
  • Auto Recharge: Unlimited
  • Loyalty Boost: +1st year SI after 7 claim-free years
  • Money Back: Refund after 5 claim-free years
  • Infinity Bonus: 100% SI/year (unlimited)
New Born: Policy waiting PED: 36 months Annual Check-up
SI: ₹5L – Unlimited
CAREHLIP23169V012223 4.6 ★
Niva Bupa
ReAssure 2.0
Individual / Floater 1 Year
  • ReAssure Forever: Unlimited claims up to SI
  • Carry Forward: 3X unutilised SI
  • Ambulance: Road up to SI, Air ₹2.5L
  • Pre/Post: 60 days / 180 days
  • Safeguard+: Non-payable items covered
  • Live Healthy: Up to 30% discount
  • Health Checkup: Day 1, ₹500/₹1L SI
  • Claim Processing: 30 mins cashless
PED: 36 months Shared Accommodation e-Consultation
SI: ₹5L – ₹1Cr
NBHHLIP23169V012223 4.7 ★

Plan 2 – Enhanced Coverage

Premium health insurance plans with advanced features and higher limits

Star Health
SUPER STAR · Plan 2
Individual / Floater / Multi 1–5 Years
  • Unlimited SI: Optional (up to 65 yrs)
  • Room Rent: Any Room, No Limit
  • Freeze Your Age: Lock entry age premium
  • Restoration: Unlimited, 100% each time
  • Cumulative Bonus: 50%/year, max 100%
  • Pre/Post: 90 days / 180 days
  • Air Ambulance: Up to ₹5L
  • AI Face Scan: 2x/month health vitals
Newborn Cover (Day 1) 21 Optional Covers Wellness: 20% off
SI: ₹5L – Unlimited
SHAHLIP25036V012425 4.6 ★
Care Health
Supreme · Plan 2
Individual / Floater 2A2C 1–3 Years
  • 7X Coverage: Base + up to 500% CB Super
  • Room Rent: Up to SI (No sub-limits)
  • Modern Treatments: No sub-limits
  • Unlimited Recharge: Related & Unrelated
  • Pre/Post: 60 days / 180 days
  • Cumulative Bonus: 50%/year, max 100%
  • Wellness: Up to 30% discount
  • Air Ambulance: Up to ₹5L (Optional)
Instant Cover: Diabetes/Hypertension Claim Shield: 68 Non-payable items Be-Fit: Gym Access
SI: ₹5L – ₹1Cr
CHIHLIP25047V022425 4.8 ★
Niva Bupa
ReAssure 2.0 · Plan 2
Individual / Floater 1 Year
  • ReAssure+: Unlimited claims up to SI
  • Booster+: 10X carry forward
  • Lock the Clock: Entry age premium
  • Ambulance: Road up to SI, Air ₹2.5L
  • Pre/Post: 60 days / 180 days
  • Safeguard+: Non-payable items (List I-IV)
  • Live Healthy: Up to 30% discount
  • Claim Processing: 30 mins cashless
Health Checkup: Day 1 PED: 36 months e-Consultation
SI: ₹5L – ₹1Cr (Platinum+ / Titanium+)
NBHHLIP26042V022526 4.7 ★

Plan 3 – Premium Coverage (Niva Bupa Aspire)

Advanced health insurance with maternity, IVF, and global coverage

Niva Bupa
Aspire · Plan 3
Individual / Floater 1–3 Years
  • M-iracle: Maternity, IVF, Adoption, Surrogacy
  • Booster+: 10X carry forward
  • Lock the Clock+: M-iracle claim doesn't impact age lock
  • Cash-Bag: 10% of 1st renewal + 5% subsequent
  • Borderless: Worldwide treatment
  • Fast Forward: Use multi-year SI anytime
  • Pre/Post: 60 days / 180 days
  • Live Healthy: Up to 30% discount
WellConsult OPD Wallet M-iracle Wait: 9-48 months Safeguard+
SI: ₹3L – ₹1Cr (Gold+ to Titanium+)
NBHHLIP24129V012324 4.9 ★
Plan 3 Details
Exclusive

Niva Bupa Aspire – Key Highlights

  • M-iracle Cover: Maternity expenses, IVF, IUI, adoption, surrogacy
  • Booster+ up to 10X: Unused SI carries forward
  • Lock the Clock+: Age-freeze premium even after M-iracle claim
  • Cash-Bag: Accumulate cashback on claim-free years
  • Borderless: Worldwide treatment coverage
  • Fast Forward: Multi-year SI available anytime
  • WellConsult: OPD wallet with diagnostics, pharmacy, gym, mental wellness
  • Variants: Gold+, Diamond+, Platinum+, Titanium+
Worldwide Treatment Maternity & IVF OPD Wallet Premium Variant
SI: ₹3L – ₹1Cr | Tenure: 1–3 Years
UIN: NBHHLIP24129V012324 4.9 ★

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