Iffco Tokio vs Niva Bupa Health Health Insurance 2026 | PolicyX

Overview

IFFCO Tokio General Insurance (a 2000 JV of IFFCO and Tokio Marine) offers health plans for individuals and families—covering hospitalisation, day care and pre/post-hospital costs, with cashless treatment at network hospitals and flexible sum insured.
COMPANY DETAILS ✎ Edit

Iffco Tokio

✎ Edit

Niva Bupa Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1 Crore

Sum Insured

Up to ₹ Unlimited
Claim ratio

Claim Ratio

95.82%

Claim Ratio

94.4%
Network hospitals

Network Hospital

8000+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

1.85

Solvency Ratio

3.03
Pan India Presence

Pan India Presence

63

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

904.70 Crore

Annual premium (company level)

6,762.23 Crore
Years in operation

Years in operation

2000

Years in operation

2008
24×7 claim support

24×7 claim support

No

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

89.37

Claims settled within 3 months

92.4
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IFFCO Tokio Health Insurance

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IFFCO Tokio Health Insurance

Individual and Family Health Insurance

IFFCO TOKIO MOS-Bite Protector Policy

IFFCO Tokio's MOS-Bite Protector Policy offers a lump sum payment for diagnosis and 48+ hours of hospitalization due to 7 specific...

  • Coverage for 7 diseases
  • Family coverage
  • Up to 1 lakh SI
  • Lump sum Sum Insured up to 1 Lakh
  • Dengue coverage
  • Malaria coverage
  • Adventure sports injuries
  • Illegal activities
  • Self-inflicted injuries
  • High Sum Insured options
  • Family coverage
  • Zika Virus coverage
  • Minimum entry age: 18 years Maximum entry age: 65 years Sum Insured: Up to 1 Lakh Initial waiting period: 30 days
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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Expert Reviewed

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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