Reliance Health vs Niva Bupa Health Health Insurance 2026 | PolicyX

Overview

Reliance General Insurance (part of Reliance Capital) offers a wide range of health plans covering in-patient and out-patient treatment, day care procedures, modern treatments and maternity.
COMPANY DETAILS ✎ Edit

Reliance Health

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Niva Bupa Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 5 Cr

Sum Insured

Up to ₹ Unlimited
Claim ratio

Claim Ratio

87.50%

Claim Ratio

94.4%
Network hospitals

Network Hospital

9100+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

2.35

Solvency Ratio

3.03
Pan India Presence

Pan India Presence

127

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

₹4,821.70 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

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

95.3

Claims settled within 3 months

92.4
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Reliance Health Insurance

Individual and Family Health Insurance

Reliance HealthWise Policy

Reliance HealthWise Policy is a comprehensive health insurance plan from Reliance, available in Gold, Silver, and Standard variant...

  • Customize Your Plan
  • Critical Illness Cover
  • Recovery Benefit
  • Daily Hospitalization Allowance
  • Domiciliary Hospitalization
  • Critical Illness Cover
  • Global coverage
  • OPD not available
  • AYUSH treatment not covered
  • In-patient hospitalization
  • Daycare procedures
  • Modern treatment cover
  • Ambulance charges
  • Entry age: 18 - 65 Years
  • SI: 1 L - 5 L
  • Initial waiting period: 30 Days
View plan

Reliance Super Top-Up Health Insurance acts as an essential addition to existing health plans, providing enhanced financial securi...

  • Worldwide emergency cover
  • Maternity expenses
  • Air ambulance cover
  • Waiver of premium
  • Waiver of deductible
  • Worldwide emergency cover
  • Tax benefits
  • Investigation & evaluation
  • Rest cure/rehabilitation and respite care
  • Obesity/weight control unless life-threatening
  • Change-of-gender treatments
  • 5% Online discount
  • ICU charges
  • AYUSH treatment
  • Maternity cover
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.3 Cr
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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