Hdfc Ergo vs Niva Bupa Health Health Insurance 2026 | PolicyX

Overview

HDFC ERGO (a JV of HDFC Ltd. and ERGO/Munich Re) offers health, motor, travel and home insurance. After merging with Apollo Munich in 2020, it strengthened its health segment.
COMPANY DETAILS ✎ Edit

Hdfc Ergo

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Niva Bupa Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 2 Cr

Sum Insured

Up to ₹ Unlimited
Claim ratio

Claim Ratio

95.30%

Claim Ratio

94.4%
Network hospitals

Network Hospital

15000+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

2.00

Solvency Ratio

3.03
Pan India Presence

Pan India Presence

200

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

6,099.76 Crore

Annual premium (company level)

6,762.23 Crore
Years in operation

Years in operation

2006

Years in operation

2008
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

99.16

Claims settled within 3 months

92.4
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HDFC ERGO Health Insurance

Individual and Family Health Insurance

HDFC ERGO Arogya Sanjeevani Policy

HDFC ERGO's Arogya Sanjeevani Policy is a foundational health plan, available for individuals or families, offering up to 10 Lakhs...

  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses
  • Pre and post-hospitalization
  • Doctor consultation
  • AYUSH treatment
  • Preventive health check-ups
  • Maternity expenses
  • Daily hospital cash
  • Modern treatment
  • Organ donor cover
  • Family floater cover
  • Sum Insured up to 10 Lakhs
  • Lifelong renewability
  • Min. Entry Age: 18 Years
  • Max. Entry Age: 65 Years
  • Sum Insured: Up to 10 Lakhs
  • Initial Waiting Period: 30 Days
View plan
Individual and Family Health Insurance

HDFC ERGO Optima Secure Global Plan

The HDFC ERGO Optima Secure Global Insurance Plan provides comprehensive health coverage for individuals and families, extending b...

  • India & Worldwide Coverage
  • High SI up to 2 Crores
  • Aggregate Deductible Discounts
  • Worldwide coverage
  • high sum insured up to INR 2 Crores
  • 4-level sum insured restoration benefit
  • aggregate deductible discounts
  • and no deductions on non-medical expenses.
  • INR 10
  • 000 deductible for overseas claims
  • aggregate deductible applicable only in India
  • no coverage for vaccinations
  • maternity and newborn baby cover not included in the base plan.
  • E-opinion for 51 critical illnesses
  • availability of various add-on covers
  • optional Overseas Travel Secure add-on.
  • Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
  • 2
  • or 3 Years
View plan

Niva Bupa Health Insurance

Individual and Family Health Insurance

Niva Bupa Aspire Plan

The Niva Bupa Aspire Health Insurance Plan is designed for young individuals, offering comprehensive coverage up to ₹1 Crore wit...

  • 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. Maximum entry age - No age limit. Sum Insured (SI) - INR 3 Lakh to 1 Crore. Waiting Period - 30 days.
View plan
Individual and Family Health Insurance

Niva Bupa Arogya Sanjeevani Policy

Niva Bupa's Arogya Sanjeevani policy offers an affordable, comprehensive indemnity health plan for individuals and families, cover...

  • 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
  • Premiums are affordable
  • Minimum Entry Age: 3 Months - 25 Years (for children in family plan)
  • Adult Entry Age: 18 - 65 Years
  • Sum Insured: INR 50
  • 000 - INR 10 Lakh
  • Initial Waiting Period: 30 Days
View plan

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Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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