Hdfc Ergo vs Niva Bupa Health

HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The policy of...

Unique Features

• Cancer Cover
• Assault And Burn Cover
• 41 Critical Illness Cover

• Lifetime renewal
• Wellness Incentives
• Add-On Coverage

• Obesity or weight control
• Cosmetic surgeries
• Maternity cover
• Change of gender treatment

• Post Diagnosis Support
• Cancer Cover
• Major Illness Cover
• Surgical Procedure
• Critical Illness Cover

• Entry age: 18 to 65 years
• Sum insured: 1 Lakh to 1 Crore
• Policy term: 1/2/3 years

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medical support ...

Unique Features

• 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

The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protection without g...

Unique Features

• 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

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Hospital Cash Benefit
• No Cost Instalment Option
• Restore Benefit
• Unlimited Restore

• Maternity cover NA
• Newborn care unavailable
• OPD cover unavailable

• Aggregate deductible discounts
• Disposables & consumables cover
• Worldwide cover

• Entry age: 18 years to no max limit
• SI: 5 Lakhs to 2 Crore
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it does not req...

Unique Features

• Worldwide coverage
• No pre-policy medicals
• Lifelong renewability

• Accidental Death
• Permanent Total Disability
• Broken Bones
• Burns

• Breach of law
• Pregnancy or childbirth
• Self-inflicted injury

• Ambulance costs
• Hospital cash
• Lump sum payout benefit
• Air ambulance cover

• Entry Age: 18 - 65 years
• Policy Term: 1/2/3 years
• Initial Waiting Period: None
• Sum Insured: 20 L - 10 Cr

The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred during the trea...

Unique Features

• Key Features
• Eligibility & Exclusions
• iCan Cancer Plan Sample Premiums

• Cancer cover
• In-patient hospitalization
• Ambulance cover

• Maternity cover
• Newborn cover
• Organ donor cover
• Global coverage

• COVID-19 cover
• Pre and post-hospitalization
• ICU charges

• Entry age: 5 to 65 years
• Policy term: 1 year
• Initial waiting period: 120 days

HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expens...

Unique Features

• Key Features
• Eligibility & Age Restrictions
• Types of My:Health Suraksha Smart Plans

• Air ambulance cover
• Recovery benefit
• Infertility cover

• Vaccination cover unavailable
• Second medical opinion not available
• Maternity cover unavailable
• Newborn baby cover unavailable

• Family discount
• Long-term policy discount
• Loyalty discount

• Entry age: 18 years to no upper age limit
• Sum insured: 3 Lakh to 75 Lakh
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type 2, pre-diab...

Unique Features

• Personalized health coach option
• Get rewards to reduce your premiums
• Diabetes and Hypertension without waiting period

• Personal health coach
• Rewards for premium discount
• Diabetes and Hypertension cover

• ICU cover unavailable
• AYUSH treatment not covered
• OPD not covered
• Domiciliary treatment unavailable

• Organ donor cover
• Ambulance services
• Pre & post-hospitalization cover

• Entry age: 18 to 65 years
• Policy term: 1 year
• Initial waiting period: 30 days
• Sum insured: 2 L to 50 L

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also secures your...

Unique Features

• Worldwide Emergency Care
• Avail 6% interest on un-used SI
• Cashless Homecare treatment

• Inpatient and outpatient cover
• OPD cover
• Domiciliary hospitalization

• Air ambulance
• E-consultations
• Health check-up
• Modern treatment cover

• Global coverage
• Daycare procedures
• Health check-up
• Vaccination charges

• Entry age: 18 to 65 years
• Initial waiting period: 30 days
• Sum insured: 3 to 50 Lakhs
• Policy term: 1/2/3 years

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It complements your ...

Unique Features

• Plan Specifications
• Key Features & Benefits
• Quick Buying And Claim Process

• Day care procedures
• High sum insured
• 6-hour response guarantee

• Adventure sport injuries
• Self-inflicted injuries
• War

• Deductibles offered
• Covers family members
• Versatile plan

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 20 Lakhs

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Com...

Unique Features

• High sum insured
• Health and wellness plan
• Emergency worldwide coverage

• Air ambulance
• OPD cover
• Domiciliary hospitalization
• Emergency global coverage

• Vaccination not covered
• Modern treatment unavailable
• Maternity & newborn baby care unavailable

• In-patient hospitalization
• Daycare procedures
• Health check-up cover

• Entry age: 18 to 65 years
• Sum insured: 50 Lakhs & 1 Crore
• Waiting period: 30 days
• Policy term: 1/2/3 years

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your family under t...

Unique Features

• Recovery benefit
• SI restoration
• Waiting period reduction

• Restore benefit
• 2X Multiplier benefit
• Renewal discounts

• AYUSH not covered
• OPD cover unavailable
• Global health cover

• Recovery benefits
• Organ donor cover
• In-patient and out-patient hospitalization

• Entry Age: 18 - 65 Years
• Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
• Initial Waiting Period: 30 Days

HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to individuals ...

Unique Features

• 100% Cumulative Bonus Benefit
• No Room Rent Limits
• Affordable Entry-Level Health Cover

• Affordable premiums
• Unlimited restore benefit
• No disease-wise sub-limits

• Low sum insured options (₹5L–₹7.5L)
• Room rent cap (1% SI) causing deductions
• Not suitable for metro/high-cost treatment needs

• Preventive health check-up every year after 1st renewal
• Covers non-medical expenses (optional Protect benefit)
• Daily cash allowance for shared room hospitalisation

• Entry age: 91 days (children) to 18 years (adults)
• No maximum age limit
• Available for individual and family floater (self
• spouse
• children
• parents)

In today's fast-paced world, health dangers are rapidly increasing, including chronic life-threatening diseases. Anyone, regardless of age, can face a...

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
• Sum Insured: ₹5 L - ₹5 Cr
• Policy Term: 1/2/3 Years
• Initial Waiting Period: 90 Days

Introducing a health insurance plan that rewards you for starting young. A plan that allows for overseas treatment. Several health insurance plans ar...

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. Maximum entry age - No age limit. Sum Insured (SI) - INR 3 Lakh to 1 Crore. Waiting Period - 30 days.

The Niva Bupa Arogya Sanjeevani health policy is an indemnity plan designed to provide comprehensive coverage at an affordable premium. Available as a...

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
• 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

Go an extra mile for the health of your family with Niva Bupa Health RechargeNiva Bupa Health Recharge (formerly Max Bupa Health Recharge) is a pocket...

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

The Niva Bupa GoActive plan offers exclusive features to meet all your health insurance needs. Hospitalizations can occur unexpectedly, and owning hea...

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

• Minimum Entry Age: 18 Years
• Maximum Entry Age: 65 Years
• Sum Insured: INR 4 - 10 Lakhs
• 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 the base sum insured as a bonus
• Accumulated bonus does not reduce even after a 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 provi...

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

Niva Bupa Health Companion (Variant 2022) is a health insurance plan that covers hospitalisation expenses along with related medical costs like pre an...

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

Niva Bupa Reassure 2.0 offers coverage for medical emergencies. Under this plan, you will get a sum insured of up to ₹1 Crore at a very reasonable p...

Unique Features

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

• Personal accident cover
• Acute Care benefits
• Emergency Ambulance
• Five Plan variants
• Domiciliary (home care) treatments

• No OPD Cover
• No Maternity Cover
• Sleep disorders not covered
• Pre-existing diseases covered after 3 years waiting period
• Alcoholism not covered

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

• Entry Age: 18 years
• Max Entry Age: No maximum age limit
• Sum Insured: ₹5 Lakh to ₹1 Crore
• Initial Waiting Period: 30 days

Health Premia is a health insurance plan that covers hospitalization expenses along with key medical needs like pre and post-treatment costs, daycare ...

Unique Features

• Global medical coverage
• Unlimited sum restoration
• Comprehensive family protection

• Refill benefit for any illness
• 10% Loyalty Additions to Sum Insured
• Tenure Discounts of up to 15%
• Worldwide Maternity Benefits
• Inpatient care

• No OPD Coverage
• No HIV/AIDS Coverage
• 20% co-payment
• Pre-existing Diseases covered after 2 years
• Treatment for Alcoholism (excluded)

• Zonal Coverage
• Pharmacy and Diagnostic Services
• Optional Add-on Features
• Living Organ Donor Benefit
• Premium Waiver and Portability

• Entry Age: 18 Years
• Max Entry Age: 65 Years
• Sum Insured: ₹3 Lakh to ₹1 Crore
• Waiting Period: 30 Days

The Niva Bupa Health Pulse Plan is a simple health insurance option for people who want basic medical coverage without paying a high premium. It cover...

Unique Features

• Know About Niva 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
• Sum Insured - ₹3 Lakhs to ₹25 Lakhs
• 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. Wheth...

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

• Min. Entry Age: 61 years
• Max. Entry Age: 75 years
• Min. SI: ₹5 L
• Max. SI: ₹25 L
• Initial Waiting Period: 30 days

The Niva Bupa Personal Accident Plan is designed to provide financial support in case of accidents. It offers a lump sum payout for accidental death o...

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

• Minimum Entry Age: 18 Years
• Maximum Entry Age: 65 Years
• Sum Insured: ₹5 Lakhs - ₹5 Crores
• Initial Waiting Period: 30 Days

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

Unique Features

• Enhanced Coverage
• Eligibility
• Sample Premium

• Covers 20 critical illnesses
• Long-term tenure discounts
• Multiple payout options
• Tax benefits under Section 80D
• Direct claim settlement

• No accidental death cover
• No total disability cover
• AIDS not covered
• No child education benefit
• No funeral expenses cover

• Flexible plan options
• Surgeon fees covered (under AccidentCare)
• Lifelong renewability
• Diagnostic procedures and therapies covered
• Prosthetic implants covered

• Min- 18 years
• Max- 65 years

Max Bupa Health Insurance rebranded itself to Niva Bupa Health Insurance on July 5th, 2021. With this change, the insurer introduced multiple new heal...

Unique Features

• Explore Niva Bupa Group Plans
• Niva Bupa Tax Benefits
• Niva Bupa Eligibility

• 10000+ network hospitals
• Customizable group plans
• No pre-policy check-up

• Limited infertility cover
• No war-related claims
• Abortion not covered

• Tax savings (80D)
• Maternity and newborn cover
• Annual health check-ups
• Unlimited doctor consults

• Adults: 18 to 99 years
• Children: from 91 days
• Up to 6 members covered

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 tiered network
• Digital consultation

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

The Niva Bupa ReAssure 3.0 health plan has made it easier than ever to guarantee lifetime protection for you and your family, with a coverage limit of...

Unique Features

• Unlimited coverage
• High flexibility
• Global healthcare option

• Unlimited Sum Insured
• Day 1 Pre-Existing Disease Coverage
• Automatic Sum Insured Restoration
• No Co-payment Clause
• Wide Network of Hospitals
• Flexible Premium Payment Options

• No Monthly Premium Payment Option
• Higher Premiums for Older Policyholders
• Customer Service Response Time

• No Claim Bonus / Claim-Free Rewards
• Daycare & Advanced Procedures
• AYUSH Treatments

• Minimum entry age: 91 days and 18 years
• Maximum entry age: 99 years for adults
• Covers up to 6 members