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Comparing Star Comprehensive Insurance to Niva Bupa (Max Bupa)
Niva Bupa has a solid and reliable reputation in the insurance industry. This insurer employs over 34000 agents to provide quality health insurance plans. Moreover, the company has an extensive network of hospitals for cashless treatment. Apart from this, Niva Bupa also offers home pick and delivery services for diagnostic samples and medicines. In addition, cashless claims can be resolved within thirty minutes. The company’s COVID-19 health insurance plan includes a comprehensive list of benefits and coverage options.
As a health insurance company, Niva Bupa is one of the leading names in India. This insurer offers affordable health coverage for entire families. It offers a variety of plans, including a COVID-19 plan and maternity cover. It aims to make health insurance more accessible for all Indians.
Niva Bupa has a better claim settlement ratio than Star Comprehensive Insurance. However, Star’s waiting period for maternity coverage is more extended than Niva Bupa’s. However, getting a refund is possible if you don’t require coverage.
Niva Bupa (formerly Max Bupa) offers health insurance for the entire family. Its policy covers emergency medical expenses, maternity, childbirth, and critical illness. It also covers expenses related to organ donation and transplants. Additionally, it provides a premium waiver.
Niva Bupa offers comprehensive health insurance plans, including Health Premia, for larger families. These plans also include cashless access to leading hospitals and 24-hour customer support. In addition, Niva Bupa offers a mobile app for easy health management. It lets customers book cashless OPD appointments, check health status, and more.
Despite their similar coverage levels, Niva Bupa’s Money Saver provides more robust protection. It also includes benefits like Health Companion Policy and Health Recharge Policy. In addition, the insurance also provides cash and hospital cash for both pre-hospitalization and in-patient hospitalization. You can also choose the cashless hospitalization option, which is available for Max Bupa health insurance policies.
Niva Bupa’s Health Insurance Premium Calculator lets you quickly evaluate your health insurance needs. It is easy to use and available on the insurer’s website. Just enter your details, such as date of birth, co-pay, and other personal information, and get an instant quote for your premium.
Is Star Comprehensive Insurance better than Star Health Insurance?
If you need health insurance, you’ll want to choose a plan that covers your health and your family’s needs. Star offers two types of health insurance plans: individual health plans and family floater plans. Individual policies cover you and your spouse, and family floater plans cover you and your spouse plus up to three dependent children. Both types of policies offer a range of sum insured amounts ranging from three lakhs to fifteen lakhs, depending on your needs. Individual health insurance policies from Star cover a person’s needs from birth to 65 years of age. Again, depending on your age, the sum insured amounts can range from three lakhs to fifteen lakhs. Nursing expenses are also covered under the plans.
Star Comprehensive insurance policies offer comprehensive health coverage at a low premium. They cover your family’s medical needs during an emergency, including accidental death, disability, and maternity care. Personal accident and critical illness coverage are also included, with no extra cost. The policy is also flexible, covering pre-existing conditions, slow-growing diseases, and specific illnesses that haven’t been diagnosed for 24 months.
The insurer’s risk assessment of each applicant determines the price of a health insurance policy. People with pre-existing conditions are more likely to file claims and pay higher premiums. Insurers often require applicants to undergo a pre-medical exam before the issuance of the policy, which helps them determine the risk level.
Star health insurance policies also have some limitations. For example, they do not cover dental treatments and illnesses within the first month of coverage. And the insured person must provide original documentation of any treatments and expenditures to receive the reimbursement. In addition, the policy will not pay for convalescence expenses, such as nutritional deficiency and attempted suicide.
Star Health Insurance has an extensive network of hospitals nationwide and offers cashless treatment at participating facilities. In addition, most of their plans have a lifetime renewability option. This feature is helpful for individuals and families who do not want to have gaps in their insurance coverage.