/

Niva Bupa Health Companion Variant 1 Vs ICICI Lombard Health Shield Plus Star Comprehensive

Compare plans from Niva Bupa, ICICI Lombard and Star Health

4 minute read read

May 29, 2024

OneAssure Team

You might have noticed that lifestyle diseases like diabetes, hypertension, cardiac conditions and kidney failures are rising. Even more surprising is the increase of these diseases among young people. Experts point to our modern unhealthy lifestyle as the cause of this surge.

The costs of medicines, treatments, tests, procedures and room rents within hospitals have risen steadily over the years. This phenomenon is called medical inflation. Even a single unplanned hospitalisation can set your finances off in such a way that they might take years to recover.

A comprehensive health insurance policy aims to shield your finances from sudden medical expenses. You can protect yourself and your dependent family members with it. The option to include your family under one policy is called the family floater option.

Here are comprehensive health insurance policies that stand out:

Star Comprehensive
Niva Bupa Health Companion Variant 1
ICICI Lombard Health Shield Plus

All three policies are designed keeping in mind your and your family’s overall health and wellness needs.

Let’s look at their benefits in detail:

Benefits	Star Comprehensive	Niva Bupa Health Companion Variant 1	ICICI Lombard Health Shield Plus
Outpatient Department (OPD) or daycare	Covered including Dental and Ophthalmic cover on OPD basis	All Day Care Treatmentscovered	Day Care Procedure Medical expenses for daycare procedures where such procedures are undertaken by an Insured Person as an In-patient in a Hospital for a continuous period of fewer than 24 hours
Pre-hospitalisation	Covered up to 60 days before admission in the hospital	Covered up to 30 days before admission in the hospital	Covered up to 30 days before admission in the hospital
Post-hospitalisation	Covered up to 90 days after discharge from the hospital	Covered up to 90 days after discharge from the hospital	Covered up to 90 days after discharge from the hospital
Room Rent Cap	No Capping on room rent treatment at Private Single AC Room	Covered for rooms (except suites or above) for the sum insured ₹5 lakhs and above	No capping on room rent
Health Checkup	Cost of Health checkup covered for every claim-free year	Pick tests based on your needs and avail cashless health check-ups	A complimentary health check-up coupon to each insured for every policy year, and two coupons per year for floater policies
No Claims Bonus	Available	Get 20% more sum insured at renewal for each claim-free year; maximum up to 100%	Available If no claims have been paid in the expiring Policy year and the policy is being renewed without any break-in period, the Insured person will be given a Super no claim bonus viz. 50% increase in the Sum insured for each completed year Super No claim Bonus available only for the Sum Insured options ₹5 Lakhs and above
Alternate Medicine	AYUSH Treatment: Inpatient Hospitalisation expenses incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or any institute recognised by the government or accredited by the Quality Council of India/National Accreditation Board on Health as an inpatient is payable up to the limits mentioned in the Schedule of Benefits	Cover for Ayurvedic, Unani, Siddha and Homoeopathy treatments	AYUSH treatment expenses for in-patient treatment under Ayurveda, Unani, Siddha and Homoeopathy (AYUSH) treatment only when undergone in a government hospital or any institute recognised by the government or accredited by the Quality Council of India/National Accreditation Board on Health
Emergency Ambulance	Road Ambulance charges for emergency transportation to hospital as per specified limits	The policy covers the cost of an ambulance up to ₹3000/-. These expenses are paid once we have accepted the in-patient claim	Cover available as an optional rider

Here are the highlights of each plan:

Star Comprehensive

Care beyond Cover: Disease management programme for a healthy life through Wellness. Attractive premium discounts
Extra cover: Air Ambulance assistance, second medical opinion, Domiciliary hospitalisation, Organ donor expenses, Ayush treatment are covered
Cover for maternity: Cover for maternity (normal and Caesarean delivery) and newborn baby
Automatic restoration: Automatic restoration by 100% for subsequent hospitalisation even for illness/disease for which claim(s) were made
Personal accident cover: Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost
Buy Back Pre-existing disease: Reduction in the waiting period for Pre-existing diseases
Covers complex medical procedures: Covers medical expenses incurred on Bariatric surgical procedures and their complications
Midterm Inclusion: Midterm Inclusion of newly married/wedded spouse and a newborn baby is permissible on paying additional premium