Kotak Mahindra vs Niva Bupa Health Health Insurance 2026 | PolicyX

Overview

Zurich Kotak General Insurance offers health plans for individuals and families, covering hospitalisation, daycare treatments and medical expenses.
COMPANY DETAILS ✎ Edit

Kotak Mahindra

✎ Edit

Niva Bupa Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 L

Sum Insured

Up to ₹ Unlimited
Claim ratio

Claim Ratio

96.4%

Claim Ratio

94.4%
Network hospitals

Network Hospital

22600+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

5.73

Solvency Ratio

3.03
Pan India Presence

Pan India Presence

19

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

748.22 Crore

Annual premium (company level)

6,762.23 Crore
Years in operation

Years in operation

2015

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

96.76

Claims settled within 3 months

92.4
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Zurich Kotak Health Insurance

The Zurich Kotak Accident Care Plan provides financial protection against the impact of accidents, covering treatment, hospitaliza...

  • Funeral expenses extensions
  • Children’s education grant
  • Lifelong renewability
  • Children education grant
  • Dead remains transportation
  • Convalescence benefit
  • Accident daily cash benefit
  • Room rent charges
  • Pre and post-hospitalization
  • Mental disorders
  • Self-inflicted injury
  • Ambulance charges
  • Accidental death
  • TTD PTD PPD cover
  • Entry Age 5 to 65 years
  • Policy term 1/2/3 years
View plan
Individual and Family Health Insurance

Zurich Kotak Health Premier Plan

Kotak Mahindra Health Premier Plan offers comprehensive and customizable health insurance for individuals and families, available ...

  • Comprehensive coverage
  • Value-added benefits
  • Customizable plans
  • In-patient treatment
  • daycare treatment
  • ambulance cover
  • restoration benefit
  • Global coverage
  • modern treatment
  • IVF cover
  • Adventure sports
  • Maternity benefit
  • cumulative bonus
  • compassionate travel
  • vaccination
  • Entry age 18 years (min) - 65 years (max)
  • SI 2 Lakh to 2 Crore
  • Initial waiting period 30 days
  • Policy period 1/2/3 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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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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