Senior First - Platinum vs Star Assure Health Insurance Plan
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Senior First - Platinum vs Star Assure Health Insurance Plan 2024

Senior First - Platinum Plan and Star Assure Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Senior First - Platinum Plan are 14000+ Number Of Network Hospitals whereas Star Assure Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  Niva Bupa Health Insurance Company Limited

Senior First - Platinum

 Star Health And Allied Insurance Company Limited

Star Assure

Premium Including GST
Sum Assured 15L, 20L & 25L 5L, 10L, 15L, 20L, 25L, 50L, 75L, 1Cr & 2Cr
Product Type Individual and Family Floater Individual and Family Floater
Key Features
(Key features of the plan)
180 days of post hospitalization
No Co-Pay
Air Ambulance covered - up to 2.5 Lacs
No Sub Limits
30 Mins Cashless Approval
Unlimited Restoration
Unlimited Restoration
Modern Treatments are covered upto SI
Coverage for Non-medical Items
Home Care (10% of SI and Max upto 5L)
IVF Treatment (Covers after 2 years & as per SI)
Compassionate Travel upto INR 10,000
Rehabilitation and Pain Management (upto 20% of SI)
In Utero Fetal Surgery (After 2 years)
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Not Applicable
EMI Option yes no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Not Applicable Not required
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private Room Any Room (except suite or above category)
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered upto 1000000 Upto Rs.10L
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
180 Days 180 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Covered upto 1000000 Upto Rs.10L
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto 10L & All Day Care Treatment Covered Upto Rs.10L
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered upto 10L Upto Rs.10L
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Available Not Available
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 2 year After 3 Years
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Upto Rs. 100000/-free year & max. Upto Rs. 10L 25% increase in SI for every claim free year upto 100% of SI
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Unlimited (on related and unrelated illness & on partial exhaution) Available for unlimited times for unrelated & same illness
Ambulance Charges
(Expenses incurred on ambulance charges)
2000 per hospitalisation Upto Rs. 10L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Available Not Available
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Available Upto Rs 100000/- (Covered after a waiting period of 2 years)
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Available Upto 2L (Covered after 12 Months)
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
upto INR 5,000 on individual basis upto INR 10,000 on floater basis Annually from 1st year onwards (limit varies as per SI)
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
yes yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Not Covered Not Available
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not covered Not Available
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
No Co-Pay You pay 10% of claim

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.