Care Health vs Niva Bupa Health Insurance 2026

Overview

Care Health Insurance is a popular health insurance company in India, offering plans for individuals, families, senior citizens, and critical illnesses. It has a claim settlement ratio of approximately 97%, indicating smooth claim handling. The company is known for its wide hospital network for cashless treatment, simplified claim process, and 24x7 customer support. If you are looking for a health insurer that provides good coverage, simplified claims, and reliable support, Care Health Insurance is a trusted option.

COMPANY DETAILS

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Care Health

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Niva Bupa

Number of health insurance plans	No. of Plans 17 ❯	No. of Plans - ❯
Sum insured	Sum Insured Up to ₹ 1 Cr	Sum Insured Up to ₹ 1 Cr
Claim ratio	Claim Ratio 97%	Claim Ratio 98%
Network hospitals	Network Hospital 11400++	Network Hospital 10000+
Solvency Ratio	Solvency Ratio 1.74	Solvency Ratio 3.03
Pan India Presence	Pan India Presence 158	Pan India Presence 320
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 6,864.46 Crore	Annual premium (company level) 6,762.23 Crore
Years in operation	Years in operation 12	Years in operation 2008
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
IRDAI registration number	IRDAI registration number 148	IRDAI registration number 145
Claims settled within 3 months	Claims settled within 3 months 92.77	Claims settled within 3 months 92.4
Recommended Videos	▶ Care Health Insurance Review ▶ Niva Bupa Health Insurance Review \| Max Bupa Health Insurance \| Niva Bupa Health Insurance Plan 2025

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj General Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Galaxy Health Insurance

Narayana Health Insurance

Know More About Health Insurance Companies

Care Health Insurance

Arogya Sanjeevani Plan

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to prov...

High sum insured
540+ procedures covered
Organ donation cover

AYUSH treatment
Affordable premium
Lifelong renewability
Tax benefit

Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered

Modern treatments available
50% cumulative bonus
30 days pre-hospitalisation

Entry age- 5 years
Max entry age- 65 years
SI- 5 L
Waiting period- 30 days

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Individual and Family Health Insurance

Care Operation Insurance

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured opti...

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Health services
Air Ambulance cover
Chemotherapy cover

Illegal activities
Alcohol abuse
Obesity treatments

Dialysis cover
Second opinion
Organ donor cover

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

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Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage h...

High sum insured
540+ procedures covered
Organ donation cover

No Claim Bonus up to 50%
Automatic SI recharge
Organ donor cover
High SI

20% co-pay
Obesity treatment unavailable
Hazardous activity not covered

Ambulance cover available
Optional cover available
Co-pay waiver
Room rent modification

Entry age- 91 days
Max entry age- Lifelong
SI- 25 L to 6 Cr
Waiting Period- 30 days

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Critical Illness Health Insurance

Cancer Mediclaim Policy

The Care Cancer Mediclaim policy is a specialized health plan designed to cover the high costs associated with cancer treatment. I...

Wide SI options
Lifelong renewability
Cancer-related global coverage

Annual health checkup
Chemo and radiotherapy cover
Air ambulance cover
Chemo and radio therapy
Organ donor cover

Change of gender treatment
Obesity treatment unavailable
HIV/AIDS not covered
Cosmetic surgery unavailable

International second opinion
Doctor on call
Air ambulance cover
OPD cover

Entry age- 5 years
Max entry age- 50 years
SI- 10 L to 2 Cr
Waiting Period- 30 days

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Accident Health Insurance

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovery of treatm...

PTD & PPD cover
Cover for child education
100% accidental death payout

Accidental death
Accidental total disablement
Permanent total disablement

Illegal activities
Alcohol abuse
Obesity treatment

Accidental hospitalisation
Tax benefits
Loyalty benefit

Minimum Entry Age: 18 Years
Maximum Entry Age: 70 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to ₹50 Lakhs

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Individual and Family Health Insurance

Care Supreme Plan

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about you...

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Modern treatments
Renewal discounts
Unlimited e-consultation

Illegal activities
alcohol abuse
obesity treatments

Ambulance cover
Doctor on chat
Maternity care

Min entry age: 18 Years
Max entry age: No age limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

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Individual and Family Health Insurance

Care Freedom Health Insurance Plan

Free yourself from the worries of healthcare.As the name suggests, Care Freedom is a plan that allows you to be worry-free in ever...

Additional health checkups
Dialysis cover
No pre-medical check-up

No pre-policy checkup needed
Dialysis cover available
Annual health checkup

Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable

Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability

2 plan variants
Consumable allowance
Annual health check-up
Long term discounts

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Critical Illness Health Insurance

Care Critical Mediclaim

Care Critical Mediclaim health insurance policy provides protection against 32 defined critical illnesses based on an indemnity pl...

32 Critical illnesses cover
Dialysis expenses covered
Avail psychiatric counselling

Wellness benefits
Organ donor cover
32 CI covered

Obesity treatment
alcohol abuse
illegal activities

Global coverage
International opinion
Doctor on call

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

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Senior Citizen Health Insurance

Care Senior

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It provides the flexibility to ...

No pre-policy check-up
Annual rewards available
Reduction in wait period

Affordable premiums
Day care treatments
ICU charges

Illegal activites
Adventure sports
Alcohol abuse

No-claim bonus
Second opinion
Alternative treatments

Min entry age: 61 Years
Max entry age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

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Individual and Family Health Insurance

Care Plan

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals ...

No claim bonus up to 100%
Annual health check-ups
Personal accident cover

In-built maternity cover
No upper age limit for enrollment
Coverage for modern treatment
Pre-existing diseases

War
Riot
AIDS
Miscarriage
Congenital disease

Lifelong renewability
ICU charges
Day care treatment
Ambulance cover
Organ donor cover

Min entry age: 91 days
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 6 Cr

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Women Health Insurance

Care Joy Plan

Care Joy health insurance is designed specifically for expecting mothers and their newborns to offer several benefits. It covers t...

Newborn baby cover
541 Daycare treatments
Modern treatments cover

2 Plan variants
Newborn cover
Maternity cover

Illegal activities
Alcohol abuse
Ambulance cover

No claim bonus
Renewal
Lifelong renewability

Minimum Entry Age: 18 Years
Maximum Entry Age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 Lakhs

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Family

Care Enhance Plan

A top-up plan based on the policy deductible principle.Care Enhance is a super top-up health insurance plan that provides extra he...

Flexible deductible
Modern treatments
No pre-medical check-ups

Covers modern treatment
Flexible options of deduction
No pre-policy medical test
Annual health check-up
Floater option

Change of gender treatments
Obesity treatment unavailable
HIV/AIDS not covered

High sum insured
Organ donor expenses
Expert opinion cover
Cashless treatment

Minimum Entry Age: 5 years
Maximum Entry Age: No age limit
Sum Insured (SI): 1 Lakh to 55 Lakhs
Initial Waiting Period: 30 days

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Family

Care Classic

Care Classic health insurance is a family floater health plan ideal for married couples, joint families, and young or grown-up fam...

IVF treatment cover
Free doctor consultation
Discounted premiums

Room rent covered
Day care treatment
Advanced technology methods
ICU charges

Global coverage
Air ambulance
Vaccination
Daily hospital cash

AYUSH treatment
IVF treatment
Cataract
No claim bonus

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

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Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a complete healthcare plan loaded with features to protect you and your family. It offers comprehens...

Comprehensive coverage
No upper age limit
Variants on Sum Insured

Ambulance cover
Day care treatments
Domiciliary hospitalization

Illegal activities
alcohol abuse
obesity treatment

Personal accident cover
Inflation shield
Health services

Min entry age: 5 Years
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

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Critical Illness Health Insurance

Care Heart Plan

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like active he...

Coverage for OPD
Home care available
International 2nd opinion

Cardiac health check-up
Second medical opinion
Automatic SI restoration
Lifelong cover

Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered
HIV/AIDS not covered

OPD care
Home care
International Second opinion
Automatic recharge
High SI

Entry Age: 18 years Maximum Entry Age: No age limit Sum Insured: ₹3 Lakhs to ₹10 Lakhs Waiting Period: 30 days

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Individual and Family Health Insurance

Care Ultimate Care Plan

The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a ra...

Moneyback benefits
Newborn coverage
Medi vouchers

Ambulance cover
Discounts
Loyalty boost
Newborn cover

OPD not covered
Cosmetic surgeries
Congenital diseases

MediVouchers
Cumulative bonus
Doctor on chat

Entry Age: Minimum 18 years
Maximum No Age Limit. Sum Insured: ₹5 Lakh to ₹1 Crore. Waiting Period: 30 Days.

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Group Health Insurance

Care Group Health Insurance

Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance ...

Explore Care Health Group Plans
Care Claim Settlement Ratio
Benefits of Care Group Plans

11
000+ corporate policies
25
000+ locations covered
92.77% claim settlement ratio

Infertility not covered
war-related claims excluded
waiting period applies

Tax savings
corporate buffer option
paperless claim process
health awareness camps

Adults: 18-99 years
Children: from 91 days
covers employee families
no pre-policy check-up

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Compare with Other Insurers

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance Niva Bupa

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance

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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