Bajaj Allianz
vs
Niva Bupa

Global Personal Guard Policy by Bajaj Allianz is an individual and family floater global accident insurance policy that covers you against death, perm...

Unique Features

• Death Cover
• EMI Payment Cover
• Hospital Cash Benefit

• Death Cover
• EMI Payment Cover
• Hospital Cash Benefit

• Intentional self-injury
•  AIDS
•  Miscarriage
• and abortion

• Accidental Hospitalization
• Expenses Air Ambulance Cover
• Loss of Income due to Disability from Accident

• 18 to 70 Years

Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insu...

Unique Features

• Avail Optional Cover
• Maternity Cover
• High SI

• High SI options
• OPD cover
• Cataract cover

• No cover for gender change treatments
• No cover for obesity treatments
• Infertility cover not available

• Avail Optional Cover
• Maternity Cover
• High SI

• 18 to 65 Years

Bajaj Allianz Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medic...

Unique Features

• Super Cumulative Bonus
• Co-Pay Available
• 8 Benefit Options

• Super cumulative bonus
• Co-pay available
• 8 benefit options

• Domiciliary hospitalisation not covered
• OPD coverage not available
• Weight management treatments not covered

• Select from 8 plan options
• Hospital Cash Daily Allowance
• Up to INR 1 Crore SI 

• 18 to 65 Years

Bajaj Allianz Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under ...

Unique Features

• OPD Cover
• Senior Citizen Cover
• 4 Plan Variants

• Multiple plan options available
• OPD cover
• Coverage for senior citizens

• ICU charges not covered
• Pre-hospitalisation not covered
• No coverage for post-hospitalisation

• Choose from Plan A/B/C/D
• OPD and hospitalization coverage available
• Multiple discounts are available depending on policy term

• 18 to 75 Years

We all want to give the best facilities to our families and their sound health is of supreme importance to us; hence, we want to be the best regarding...

Unique Features

• Comprehensive Coverage
• Cumulative Bonus
• Life Long Renewal

• Comprehensive coverage
• Cumulative bonus
• Lifelong renewal

• Domiciliary not covered
• No coverage for infertility
• Sub-limits applicable

• Individual and family plan
• Flexible premium payment term
• AYUSH cover

• 18 Years to no upper age limit

Bajaj Allianz critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lif...

Unique Features

• Covers 10 critical illnesses
• In-house claim settlement
• Lifelong renewability

• Cover for 10 critical illnesses
• Lifelong renewability
• Affordable premium options

• No cover for childhood defects
• No cover for HIV/AIDS
• Survival period of 30 days

• Long Term Policy Discount
• Major Organ Transplantation
• Hassle free In House claim process

• 18 to 65 Years

Bajaj Allianz Global Health Care plan secures you from losing all the money on healthcare. With the changing facet of health complications, we need to...

Unique Features

• International medical cover
• Daily cash benefit
• Mental health treatment

• Preventive health check-up
• Pre and post-hospitalization cover
• Compassionate visit
• Mental health cover

• Obesity/ weight control
• Change of gender treatments
• COVID-19 not covered
• Hazardous or adventure sports
• Maternity not covered

• Lifelong renewability
• Organ donor cover
• International coverage
• Optional dental treatment cover
• Air ambulance

• Entry Age - 3 months
• Max Entry Age - 65 Years
• SI - 37.5 L - 3.75 Cr
• Waiting Period - 30 Days

Get additional protection against diseases carried by mosquitoes with the M-Care health policy. According to The New Indian Express report of May 2024...

Unique Features

• Vector-borne diseases cover
• Lifetime renewable options
• Affordable premiums

• Dengue Fever
• Malaria
• Filariasis

• Only covers vector-borne diseases
• Hospital admission for less than 24 hours
• Diagnosis and treatment outside India

• Covers the proposer/spouse/dependent children
• Affordable premiums
• Only 15 days waiting period

• Min entry age: Day 1
• Max entry age: 65 Years
• Initial Waiting Period: 15 Days
• Sum Insured: Up to 75 K

Extra Care policy is an additional layer of protection that ensures adequate health coverage. Sometimes, it's not enough to have a health insurance po...

Unique Features

• Pre & post-hospitalization cover
• In-house claim settlement
• Ambulance cover

• In-house claim settlement
• Global expertise
• Quick disbursement of claims

• War
• Cost of spectacles
• Rest and rehabliation

• Uterine Artery Embolization and HIFU
• Balloon Sinuplasty
• Deep Brain stimulation
• Oral chemotherapy

• Min entry age: 18 Years
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 15 L

Protection from critical illnesses when you need it the most! Bajaj Allianz women specific critical illness plan protects women against the serious th...

Unique Features

• Critical illness coverage for women
• Loss of job cover
• Children education benefits

Get maximised care and an additional layer of protection against your critical illness worries. The base coverage options of Bajaj Allianz Criti Care ...

Unique Features

• 43 critical illnesses cover
• All-stage cancer cover
• Physiotherapy care available

• 43 critical illnesses cover
• All-stage cancer cover
• Physiotherapy care available

• Sexually transmitted diseases
• War injuries
• Self-Inflicted injuries

• Cardiovascular care
• Kidney care
• Cancer care
• Sensory organ care

• Min entry age: 18 Years
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 2 Cr

Health Care Supreme is a comprehensive health care plan offered by Bajaj Allianz Health Insurance that provides lifetime coverage against the medical ...

Unique Features

• Cover 15 Critical Illnesses
• Preventive Health Check-ups
• Long Term Policy

• Cover 15 critical illnesses
• Preventive health check-ups
• Long-term policy

• Global coverage not available
• Domiciliary hospitalisation not covered
• No compassionate travel benefits

• 100% of the sum insured will be restored
• Maternity cover
• Lifelong renewability 

• Entry Age: 18 Years to Lifetime
• SI: Up to 50 L

Bajaj Allianz Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses ...

Unique Features

• About Health Guard Variants
• Buying Process ’On a Go’
• Quick Claim Settlement

• Lifelong entry age
• SI upto 1 Crore
• Variants available

• Domiciliary not covered
• E-consultation not available
• No second medical opinion

• 3 variants available
• Comprehensive coverage
• Different family sizes covered

• 18 Years to Lifelong

Bajaj Allianz Health Infinity Plan is a unique health insurance plan. Bajaj Allianz Health Infinity Plan has been designed to give policyholders unlim...

Unique Features

• Comprehensive Health Plan
• Lifetime Renewability
• Quick Claim Process

• Comprehensive coverage
• Lifelong renewal
• Easy and quick claim process

• OPD not covered
• Infertility treatments not covered
• Organ donor coverage not available

• Pre- Hospitalization
• 60 days Coverage for Day Care Procedures
• Pre-existing disease covered after 36 months

• 18 to 65 Years

Bajaj Premium Personal Guard supports you in the hour of crisis and helps you to sustain the unforeseen risks providing security for the future and en...

Unique Features

• In-house claim settlement team
• Multiple Sum Insured Options
• Lifelong Renewability

• In-house claim settlement team
• Multiple sum insured options
• Lifelong renewability

• Does not cover self-inflicted injury
• No AIDS cover
• Organ donation not covered

• High sum insured up to INR 25 Lakhs
• Lifetime renewal
•   Annual policy

• 18 to 65 Years

A versatile policy covering every family member. Bajaj Allianz Arogya Sanjeevani is a comprehensive health plan for individuals and families alike. Av...

Unique Features

• Life-long Renewability
• Hassle-free Claim Settlement
• Flexible Payment Modes

• Lifelong renewability
• Affordable premiums
• Cover for pre-policy health checkups

• Low SI options
• No cover for dental treatments
• No cover for mental illness

• Pre-policy health check-up coverage
• Daycare procedures covered
• Ambulance cover available

• 18-65 Years

Bajaj Allianz Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj Allianz's P...

Unique Features

• High sum insured
• Death cover
• Disability cover

• High sum insured
• Death cover
• Disability cover

• Hospitalization out of war/riot/strike NA
•  Intentional self-injury

• Affordable premiums
• Complete security

• 18 to 65 Years

Bajaj Allianz Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen and are looking for an insurance plan or j...

Unique Features

• Cover 15 Critical Illnesses
• Preventive Health Check-ups
• Long Term Policy

• Cover 15 critical illnesses
• Preventive health check-ups
• Long term policy

• Organ donor expenses not covered
• Vaccination charges not covered
• Self-inflicted injury not covered

• 2 Plan variants
• Preventive Health Checkups
• Modern Treatments Covered 

• Entry Age: 46 to 80 Years
• SI: Up to 10 L
• Initial Waiting Period: 30 Days

Bajaj Allianz Extra Care Plus is a super top-up plan launched by Bajaj Allianz that covers all your medical expenses. Bajaj Allianz Extra Care Plus is...

Unique Features

• Bajaj Allianz Super Top-Up
• Avail High Sum Insured
• Entry Age Up To 80 Years

• High sum insured
• Entry age up to 80 years
• Cover for family members available

• AIDS not covered
• Self-inflicted injury not covered
• Global coverage not available

• Comprehensive features
• Affordable premiums
• Family cover

• Entry Age: 18 Years
• SI: Up to 50 L
• Initial Waiting Period: 30 Days

Bajaj Allianz Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous cr...

Unique Features

• 43 CI cover
• All-stage cancer cover
• Physiotherapy care

• 43 critical illnesses cover
• All-stage cancer cover
• Physiotherapy care available

• ICU cover not available
• No pre and post-hospitalisation cover
• No room rent cover

• Early Stage Cancers
• Carotid Artery Surgery
• Removal of one Kidney

• 18 to 65 Years

This plan allows HER to be in HERizon! Bajaj Allianz HERizon Care is a groundbreaking policy that addresses the holistic health and wellness of women....

Unique Features

• Exclusive plan for women
• Covers prophylactic surgeries
• Vita Shield and Cradle Care

• Surrogacy support
• Oocyte donor cover
• Nurture nest

• Waiting period
• Diagnostic tests not included
• Non-medical items

• Prophylactic Surgeries
• Legal Expense Support
• Fetal Flourish

• Entry age - 90 days
• Max entry age - 80 years
• SI - INR 3 L to 2 Cr
• Waiting Period - 30 days

Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical i...

Unique Features

• Features and Benefits
• Eligibility and Coverage
• Need For Critical Illness Plans?

• Covers 20 critical illness
• Accident care benefits
• Direct claim settlement

• Cosmetic procedures not covered
• Self-harm not covered
• Obesity-related treatments not covered

• Cataract treatments
• Domestic emergency evacuation
• Compassionate travel

• Entry age: 18 - 65 Years
• SI: 5 L - 5 Cr
• Policy Term: 1/2/3 Years
• Initial Waiting Period: 90 Days

"Introducing a health insurance that rewards you for starting young." A plan that allows you to go for overseas treatment. Several health insurance p...

Unique Features

• Global Treatment
• Provides Maternity Cover
• Lock the Clock

• Overseas treatment coverage
• Booster benefit
• Covers organ donor transplant
• Second medical opinion
• Teleconsultation

• No suicide cover
• No war injury cover
• Baby food & utility charges excluded
• Laundry charges excluded
• No certificate charges

• 4 unique variants of the plan
• Cash-bag benefit
• WellConsult OPD Wallet
• Cashless claim settlement
• AYUSH Treatment

• Entry age - 18 years
• Max entry age - No age limit
• SI - INR 3L to 1 Cr
• Waiting Period - 30 days

With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is...

Unique Features

• COVID-19 treatment coverage
• Pre and post-hospitalisation cover
• Lower co-pay on your claims

• COVID-19 coverage
• Cumulative bonus
• AYUSH treatment
• Room rent cover
• Preventive health check-ups

• No maternity cover
• COVID-19 care not covered
• Home care treatment is not covered
• OPD not covered
• Ambulance cover not available

• Individual & family floater plan
• Cashless claim settlement
• Upto 2 Cr SI
• Premiums are affordable

• Min. Entry Age - 3 Months - 25 Years
• Adult Entry Age - 18 - 65 Years
• SI - 50000 - 10 L
• Initial Waiting Period - 30 Days

Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Recharge (formerly known as Max Bupa Health Recharge) i...

Unique Features

• Get covered for HIV/AIDS
• Loyalty addition of 5% on SI
• Discounts on pharmacy and diagnostic services

• Loyalty addictions up to 50%
• Pharmacy and diagnostic services
• Personal accident cover
• Easy plan convertibility
• Easy plan convertibility
• Day care treatment coverage

• Maternity treatment not covered
• Pre-exisiting diseases not covered
• Alcoholism not covered
• Dietary supplements not covered
• No COVID-19 cover

• Intensive care unit charge
• Domiciliary treatment
• HIV/AIDS treatment covered
• Artificial life maintenance benefits
• Room rent per day up to 1%

• Min- 18 years
• Max- 65 years

Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs. There could be several incidences that lead us t...

Unique Features

• Personal accident coverage
• Home health care cover
• Early age AdvantAGE benefit

• Pharmacy and diagnostic services
• Domiciliary hospitalisation
• Personal accident benefits
• Refill benefits
• Daily health coaching

• Maternity benefit not available
• Adventure sports not covered
• HIV/AIDS not covered
• Cosmetic surgery not covered
• War injuries not covered

• Behavioural Assistance Program
• Alternative treatment
• I-Protect options to increase SI
• 2% ICU cover per day. No room rent capping

• Min. Entry age- 18 Years
• Max. Entry Age- 65 Years
• SI - 4 - 10 L
• Initial Waiting Period - 30 Days

Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recha...

Unique Features

• Lifetime renewability
• Unlimited e-consultations
• Cover for modern treatments

• Annual health check-up included
• Pharmacy and diagnostic services included
• Domiciliary treatment covered

• Investigation and evaluation not included
• Any conflict or disaster not included
• Maternity expenses is excluded

• Lifetime renewability
• Unlimited e-consultations
• Cover for modern treatments

• Min. Entry Age - 18 Years
• Max. Entry Age - 65 Years
• SI - 10.5 L - 1 Cr
• Initial Waiting Period - 30 Days

Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. I...

Unique Features

• Unlimited e-consultations
• No Room Rent Capping
• Lifelong Renewability

• All day care procedures covered
• Every claim free year adds up to 20% of base sum insured as bonus
• Accumulated bonus doesn& 039;t reduce even after claim

• Oral or dental treatment not covered
• Cure and rehabilitation not covered
• Incidental diagnostic procedures not covered

• Minimum- 3 Months Maximum- 65 Years

A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives...

Unique Features

• Coverage for Modern Treatments
• Live Healthy Benefit
• Get Personal Accident Coverage

• Booster benefit
• Organ donor transplant
• ReAssure
• Live Healthy Benefit
• Second Medical Opinion

• No OPD Cover
• No Maternity Cover
• No Sleep Disorder Covered
• No Suicide Cover
• No War Injury Cover

• Air Ambulance
• Hospital Cash
• Personal Accident Cover
• Domiciliary hospitalization
• Day care treatment

• Entry Age - 18 Years
• Max Entry Age - No Age Limit
• SI - 3 L to 1 Cr
• Waiting Period - 30 Days

The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected m...

Unique Features

• No-claim Bonus up to 100% of SI
• No Room Rent Capping
• Vaccination for Animal Bite

• 5% Doctor Discount
• 10% Family discount
• Tenure Discounts of upto 15 %
• Annual Aggregate Deductible
• Home Care Treatments

• No OPD Cover
• No Maternity Cover
• Cosmetic Surgery Uncovered
• Specific Diseases after 2 yrs
• No Alcoholism Cover

• Air Ambulance
• Modern Treatments
• Vaccination on Animal Bite
• Organ Donor Benefit
• Domiciliary treatments

• Entry Age - 18 Years
• Max Entry Age - No Age Limit
• SI - 3 L to 1 Cr
• Waiting Period - 30 Days

Nothing Seems Impossible A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the various fu...

Unique Features

• High Sum Insured
• Lock Your Premiums
• Booster+ Benefit

• Personal accidents covered
• Acute Care
• Emergency Ambulance
• Three Plan variants
• Home Care Treatments

• No OPD Cover
• No Maternity Cover
• No Sleep Disorder Covered
• Pre-Existing Diseases after 3 yrs.
• Alcoholism not covered

• Air Ambulance
• Modern Treatments
• Second Opinion
• Booster Benefit
• Shared Accommodation Benefit

• Entry Age - 18 Years
• Max Entry Age - No Age Limit
• SI - 5 L to 1 Cr
• Waiting Period - 30 Days

Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their family. The plan offers wide...

Unique Features

• Benefits and Features of Health Premia
• Comparison of Silver Gold and Platinum
• Sample Premium Rates of Plan

• Refill benefit for any illness
• 10% Loyalty Additions in SI
• Tenure Discounts of upto 15 %
• Worldwide Maternity Benefit
• In-patient care

• No OPD Cover
• No HIV/AIDS Covered
• 20% co-payment
• Pre-existing Diseases after 2 yrs
• Treatment for Alcoholism

• Zonal Coverage available
• Pharmacy and diagnostic services
• Opt for additional features
• Living Organ Donor Benefit
• Premium waiver and portability

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 3 L to 1 Cr
• Waiting Period - 30 Days

Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Pulse Plan protects you and your family's health and pr...

Unique Features

• Know About Max Bupa Health Pulse Plan
• Eligibility and Age Restrictions
• Learn More About Its Key Features

• Optional benefits available
• 150% Refill Benefit
• Annual Health Checkup
• Emergency Ambulance
• Living Organ Donor Benefit

• Conflict and Disaster cases
• 20% co-payment
• No Maternity Benefit
• Cosmetic surgeries
• Treatment for Alcoholism

• Operation Theatre Coverage
• Modern Treatments
• Personal Accident Cover
• e-Consultation
• Daily Hospital Cash

• Entry Age - 18 Years
• Max Entry Age - 65 Years
• SI - 3 L to 25
• Waiting Period - 30 Days

Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...

Unique Features

• High-sum insured options
• Rewards and loyalty benefits
• Multiple plan variants

• High-sum insured options
• Rewards and loyalty benefits
• Multiple plan variants

• ICU charges not covered
• OPD coverage not available
• Second medical opinion not available

• No sub-limits are applicable for common health conditions
• Waive off co-payment on applying deductibles
• No mandatory pre-issuance medical tests

• Min. Entry Age - 61 Years
• Max. Entry Age - 75 Years
• SI - 5 - 25 L
• Initial Waiting Period - 30 Days

Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-ba...

Unique Features

• Child Education
• Funeral Expenses Cover
• TTD/PTD Cover

• Child education benefit
• Funeral expenses covered
• Total and partial disability covered

• Adventure sports not covered
• No coverage for cosmetic procedures
• Self-harm not covered

• Lifetime renewability offered
• Long-term discounts
• High sum insured options

• Min. Entry Age - 18 Years
• Max. Entry Age - 65 Years
• SI - 5 L - 5 Cr
• Initial Waiting Period - 30 Days

CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! The critical illness can be contagi...

Unique Features

• Enhanced Coverage
• Eligibility
• Sample Premium

• 20 critical illnesses covered
• Long-term tenure savings
• Different pay-out options
• Tax benefits
• DIrect claim settlement

• Accident death
• No total disability cover
• AIDS not covered
• Child education benefit
• Funeral expenses

• Flexibility plan options
• Surgeon fees covered
• Renewal for life
• Diagnostic Procedures/Therapies
• Prosthetic implants covered

• Min- 18 years
• Max- 65 years

The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designed for the m...

Unique Features

• Affordable premiums
• Add-on coverage
• Flexi-pay benefit

• Modern treatment covered
• Unlimited digital consultation
• Smart Cash
• Loyalty bonus

• Investigation and Evaluation
• Rest Cure; rehabilitation and respite care
• Cosmetic or plastic Surgery
• Hazardous or Adventure sports

• No limit on room rent
• Rise tierd network
• Digital consultation

• Entry age - 18 years
• Max entry age - No age limit
• SI - INR 5L to 1 Cr
• Waiting Period - 30 days