Care Advantage vs Senior First - Gold Health Insurance Plan
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Care Advantage vs Senior First - Gold Health Insurance Plan 2024

Care Advantage Plan and Senior First - Gold Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Care Advantage Plan are 14000+ Number Of Network Hospitals whereas Senior First - Gold Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  Care Health Insurance Limited

Care Advantage

 Niva Bupa Health Insurance Company Limited

Senior First - Gold

Premium Including GST
Sum Assured 25L, 50L, & 1CR 10L
Product Type Individual and Family Floater Individual and Family Floater
Key Features
(Key features of the plan)
No Capping on Room Rent
Offers high Sum Insured and affordable premiums
Unlimited E-Consultations with General Physicians at networks
Discount Connect - Discounts on services such as consultations-diagnostics
maternity etc at networks
Global Coverage could be optionally opted
180 days of post hospitalization
No Co-Pay
Air Ambulance covered - up to 2.5 Lacs
No Sub Limits
30 Mins Cashless Approval
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Optionally Covered Not Covered
EMI Option yes yes
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
NA Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered upto 100L Shared Room - Upto Rs. 10L
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Available Covered upto 1000000
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
180 Days 180 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Covered upto 100L Covered upto 1000000
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs. 100L Covered Upto Rs. 10L & All Day Care Treatment Covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Upto Rs. 100L Covered upto 10L
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Available Not Available
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
Covers after 4 years (Can Optionally be reduced to 2 years) After 2 year
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
10% increase in SI for every claim free year & maximum upto 50% of SI Not Available
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Upto Rs. 100L (for unrealted & same illness and on partial exhaution) Not Available
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered up to Rs. 100L 2000 per hospitalisation
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Optional Not Available
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Available Not Available
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Available Not Available
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Optional (can be opted Annually) Not Available
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
no yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Not Available Not Covered
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Available Not covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Available Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
20% (if entered at the age of 61 & above, however, it can be waived - optionally) No Co-Pay

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.