Sbi Health vs Niva Bupa Health Health Insurance 2026 | PolicyX

Overview

SBI General Insurance, backed by the trusted SBI brand, offers dependable health plans for individuals, families and senior citizens—with 6,000+ network hospitals for cashless treatment, efficient claim settlement and responsive customer support.
COMPANY DETAILS ✎ Edit

Sbi Health

✎ Edit

Niva Bupa Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 2 Cr

Sum Insured

Up to ₹ Unlimited
Claim ratio

Claim Ratio

-%

Claim Ratio

94.4%
Network hospitals

Network Hospital

6000+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

2.03

Solvency Ratio

3.03
Pan India Presence

Pan India Presence

141

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

3,093.43 Crore

Annual premium (company level)

6,762.23 Crore
Years in operation

Years in operation

2009

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

97.05

Claims settled within 3 months

92.4
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SBI Health Insurance

The SBI Hospital Daily Cash policy provides a daily cash benefit to cover incidental hospitalization expenses like food, transport...

  • Daily cash benefit
  • Convalescence expenses
  • No medical check-up required
  • Daily cash benefit
  • Convalescence benefit
  • Multiple plan options
  • Illegal activities
  • Alcoholism
  • Obesity
  • Hospitalization benefits
  • ICU hospitalization
  • Affordable premiums
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to INR 2
  • 000
View plan
Individual and Family Health Insurance

SBI Arogya Top-Up Policy

SBI Arogya Top-up Policy provides additional health insurance coverage, activating once a standard health policy's sum insured is ...

  • Enhanced coverage
  • Eligibility criteria
  • Key features
  • In-patient hospitalisation
  • Pre & post hospitalisation
  • Ambulance cover
  • Global coverage
  • Air ambulance
  • Compassionate visit
  • OPD cover unavailable
  • Organ donor expenses
  • Domiciliary treatment
  • Modern treatment
  • Entry age: 3 months to 65 years
  • SI: 1 to 50 Lakhs
  • Policy term: 1/2/3 years
  • 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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