{"id":187136,"date":"2026-08-07T11:22:15","date_gmt":"2026-08-07T05:52:15","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=187136"},"modified":"2026-08-07T11:22:16","modified_gmt":"2026-08-07T05:52:16","slug":"star-health-vs-niva-bupa-health-insurance-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/","title":{"rendered":"Star Health and Allied Insurance vs Niva Bupa Health Insurance: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Star Health MCap Rs 34,629 Cr, PE 41.03x, ROE 5.82%. Niva Bupa MCap Rs 16,144 Cr, PE 92.87x, ROE 9.65%.<\/em><\/p>\n<p>Star Health and Allied Insurance vs Niva Bupa Health Insurance is a comparison health insurance investors look up when evaluating two listed stand-alone health insurers in India. Star Health Insurance is India&#8217;s largest standalone health insurer by premium volume, while Niva Bupa Health Insurance is backed by Bupa Global, the international health insurer, and True North, offering group and retail health products.<\/p>\n<p>This Star Health and Allied Insurance vs Niva Bupa Health Insurance article covers reach and market position, key products, latest declared results and stock valuation. The Star Health and Allied Insurance vs Niva Bupa Health Insurance data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Reach_and_Market_Position\" title=\"Star Health and Allied Insurance vs Niva Bupa Health Insurance: Reach and Market Position\">Star Health and Allied Insurance vs Niva Bupa Health Insurance: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Key_Products_and_Business_Mix\" title=\"Star Health and Allied Insurance vs Niva Bupa Health Insurance: Key Products and Business Mix\">Star Health and Allied Insurance vs Niva Bupa Health Insurance: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Latest_Results\" title=\"Star Health and Allied Insurance vs Niva Bupa Health Insurance: Latest Results\">Star Health and Allied Insurance vs Niva Bupa Health Insurance: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Stock_and_Valuation\" title=\"Star Health and Allied Insurance vs Niva Bupa Health Insurance: Stock and Valuation\">Star Health and Allied Insurance vs Niva Bupa Health Insurance: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Quick_Comparison_Table\" title=\"Star Health and Allied Insurance vs Niva Bupa Health Insurance: Quick Comparison Table\">Star Health and Allied Insurance vs Niva Bupa Health Insurance: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#What_is_the_main_difference_between_Star_Health_and_Niva_Bupa\" title=\"What is the main difference between Star Health and Niva Bupa?\">What is the main difference between Star Health and Niva Bupa?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Which_company_has_the_higher_ROE\" title=\"Which company has the higher ROE?\">Which company has the higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Which_stock_trades_at_a_lower_PE\" title=\"Which stock trades at a lower P\/E?\">Which stock trades at a lower P\/E?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#What_is_a_stand-alone_health_insurer\" title=\"What is a stand-alone health insurer?\">What is a stand-alone health insurer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#What_is_a_combined_ratio_in_health_insurance\" title=\"What is a combined ratio in health insurance?\">What is a combined ratio in health insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#What_risks_apply_to_health_insurance_companies\" title=\"What risks apply to health insurance companies?\">What risks apply to health insurance companies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/star-health-vs-niva-bupa-health-insurance-comparison\/#Should_I_invest_in_Star_Health_or_Niva_Bupa\" title=\"Should I invest in Star Health or Niva Bupa?\">Should I invest in Star Health or Niva Bupa?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Reach_and_Market_Position\"><\/span><strong>Star Health and Allied Insurance vs Niva Bupa Health Insurance: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Star Health and Allied Insurance side of the Star Health and Allied Insurance vs Niva Bupa Health Insurance comparison, Star Health Insurance distributes individual and group health plans through an agent force of over 6 lakh agents and bancassurance partnerships. It is controlled by Rakesh Jhunjhunwala&#8217;s family estate and institutional investors. Market capitalisation is Rs 34,629 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=starhealth-vs-nivabupa\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Niva Bupa Health Insurance side of the Star Health and Allied Insurance vs Niva Bupa Health Insurance comparison, Niva Bupa Health Insurance distributes individual, group and senior citizen health plans through agents, brokers, bancassurance and digital channels. Bupa Global holds a significant stake. Market capitalisation is Rs 16,144 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Key_Products_and_Business_Mix\"><\/span><strong>Star Health and Allied Insurance vs Niva Bupa Health Insurance: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Star Health and Allied Insurance vs Niva Bupa Health Insurance product comparison, Star Health and Allied Insurance offers: Star Health offers individual and family floater health plans, group plans, senior citizen plans and critical illness cover. P\/E is 41.03x, ROE 5.82 percent, debt to equity 0.05.<\/p>\n<p>For Niva Bupa Health Insurance in this Star Health and Allied Insurance vs Niva Bupa Health Insurance breakdown: Niva Bupa offers ReAssure, Aspire, Health Premia and other health insurance plans across individual, group and top-up categories. P\/E is 92.87x, ROE 9.65 percent, debt to equity 0.07.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Latest_Results\"><\/span><strong>Star Health and Allied Insurance vs Niva Bupa Health Insurance: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Star Health and Allied Insurance vs Niva Bupa Health Insurance results for Star Health and Allied Insurance: Star Health has a market cap of Rs 34,629 Cr and P\/E of 41.03x. ROE is 5.82 percent. The company has been navigating elevated claims ratios and operational challenges.<\/p>\n<p>The Star Health and Allied Insurance vs Niva Bupa Health Insurance results for Niva Bupa Health Insurance: Niva Bupa has a market cap of Rs 16,144 Cr and P\/E of 92.87x. ROE is 9.65 percent, higher than Star Health. EPS is Rs 0.94.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Star Health and Allied Insurance and Niva Bupa Health Insurance Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Stock_and_Valuation\"><\/span><strong>Star Health and Allied Insurance vs Niva Bupa Health Insurance: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Star Health and Allied Insurance vs Niva Bupa Health Insurance stock comparison uses the latest available market data from Groww. Investors tracking Star Health and Allied Insurance vs Niva Bupa Health Insurance should verify current prices on NSE or BSE before trading.<\/p>\n<p>Star Health trades at a market cap of Rs 34,629 Cr and P\/E of 41.03x, twice Niva Bupa&#8217;s size by market cap. Niva Bupa trades at Rs 16,144 Cr market cap and P\/E of 92.87x, reflecting early-stage profitability with a higher ROE of 9.65 percent. Both stocks are priced on growth expectations in India&#8217;s under-penetrated health insurance market.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Star_Health_and_Allied_Insurance_vs_Niva_Bupa_Health_Insurance_Quick_Comparison_Table\"><\/span><strong>Star Health and Allied Insurance vs Niva Bupa Health Insurance: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Star Health and Allied Insurance vs Niva Bupa Health Insurance comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/starhealth\/star-health-and-allied-insurance-company-ltd-share-price-today\">Star Health and Allied Insurance<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/nivabupa\/niva-bupa-health-insurance-company-ltd-share-price-today\">Niva Bupa Health Insurance<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Stand-alone health insurance<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Stand-alone health insurance<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 34,629 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 16,144 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">41.03x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">92.87x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">5.82%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">9.65%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Key investor<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Institutional and Jhunjhunwala estate<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Bupa Global and True North<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Distribution<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">6 lakh-plus agents and bancassurance<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Agents, brokers, digital and bancassurance<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Claim ratio status<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Elevated, under management focus<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Improving through product mix<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Star Health and Allied Insurance vs Niva Bupa Health Insurance comparison above covers the key data points on reach, products, results and valuation. The Star Health and Allied Insurance vs Niva Bupa Health Insurance comparison shows two listed stand-alone health insurers in India&#8217;s rapidly growing health insurance market. Star Health is larger with the established agent network. Niva Bupa has a higher ROE and global Bupa Group backing. Both trade at high P\/E multiples reflecting growth expectations. Investors should review combined ratio and premium growth trends and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Star Health and Allied Insurance and Niva Bupa Health Insurance live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Star_Health_and_Niva_Bupa\"><\/span><strong>What is the main difference between Star Health and Niva Bupa?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Star Health is India&#8217;s largest standalone health insurer with over 6 lakh agents. Niva Bupa is backed by Bupa Global and True North, offering a range of individual and group health plans with a growing digital distribution.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_has_the_higher_ROE\"><\/span><strong>Which company has the higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Niva Bupa has an ROE of 9.65 percent, higher than Star Health at 5.82 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_stock_trades_at_a_lower_PE\"><\/span><strong>Which stock trades at a lower P\/E?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Star Health trades at 41.03x trailing earnings, significantly cheaper than Niva Bupa at 92.87x.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_stand-alone_health_insurer\"><\/span><strong>What is a stand-alone health insurer?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A stand-alone health insurer (SAHI) is a company that only sells health insurance products, unlike multi-line general insurers that also sell motor, home and travel insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_combined_ratio_in_health_insurance\"><\/span><strong>What is a combined ratio in health insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The combined ratio is claims paid plus operating expenses divided by premium earned. A combined ratio below 100 indicates underwriting profitability.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_health_insurance_companies\"><\/span><strong>What risks apply to health insurance companies?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both companies face risk from elevated medical inflation driving higher claims, regulatory changes to premium pricing by IRDAI and competition from multi-line general insurers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Star_Health_or_Niva_Bupa\"><\/span><strong>Should I invest in Star Health or Niva Bupa?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Star Health is larger and cheaper on P\/E. Niva Bupa has the higher ROE and global backing. Review combined ratio and premium growth and consult a SEBI-registered advisor before investing.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Star Health vs Niva Bupa Health Insurance compared on premium growth, claim ratio and valuation. 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