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Niva Bupa Aspire (Titanium+) with Disease Management Rider vs Star Health Assure
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Niva Bupa Aspire (Titanium+) with Disease Management Rider vs Star Health Assure
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Star Health Assure with similar Health Insurances
Compare Niva Bupa Aspire (Titanium+) with Disease Management Rider and Star Health Assure
Claims Track Record:
Star Health Assure
Star Health and Allied Insurance Company Limited has a claim settlement ratio of 61.98% and claims incurred ratio of 65.41%. It has settled 95.22% of claims in less than 30 days. The company has received higher complaints related to claims as compared to other insurers.
Service Experience:
Star Health Assure
Star Health and Allied Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it the better choice.
Product Benefits:
Star Health Assure
As part of the Star Health Assure Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments (except for 14 illnesses), inpatient organ donor expenses, and modern treatments up to the sum insured. Furthermore, consumables are covered up to the sum insured as well. The Star Health Assure Plan comes with a room rent limit; you can choose any room except suites and above. But the good news is that it doesn’t levy any ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc. don’t come with any sub-limits and are covered up to the sum insured. The Star Health Assure Plan also imposes a copay of 10% if your age at the time of entry is 61 years or above and comes with optional deductibles of Rs 50,000/Rs 1,00,000. The plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.