Max Bupa Go Activa Plan vs Hdfc Ergo Personal Accident Policy Health Insurance Plan 2026 | PolicyX

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The Niva Bupa GoActive plan offers exclusive features to meet all your health insurance needs.

Hospitalizations can occur unexpectedly, and owning health insurance provides financial security, especially when it's too late to buy it. It is advisable to purchase health insurance at a younger age, ideally in your 20s or 30s. The Niva Bupa GoActive health plan offers an 'Early Age AdvantAGE' benefit, providing renewal discounts for those who purchase the policy at a younger age.

The Niva Bupa GoActive plan is a comprehensive health insurance policy available on an individual or family floater basis. It covers various aspects, including hospitalization expenses, alternative treatments, and home healthcare. Additionally, it includes a behavioral assistance program and personal health check-ups. The family floater option provides complete coverage for your family members.

PLAN DETAILS

Max Bupa Go Activa Plan

Hdfc Ergo Personal Accident Policy

Product Type Individual and Family Health Insurance Individual
Key Features
(Key features of the plan)
  • Personal accident coverage
  • Home health care cover
  • Early age AdvantAGE benefit
  • Worldwide coverage
  • No pre-policy medicals
  • Lifelong renewability
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Covered Not covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered Not covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered Not covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Not covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Covered
Hospital_network
(Number of Hospital Network in city)
10000 15000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered Not covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Not covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered Not covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered Not covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Covered Not applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered Not applicable
Plan Entry Age 91 days to 65 years 18 to 65 years
Plan Premium Entry Age and S/A 13352 1145
Plan Waiting Period 30 days None
Plan Coverage - Accidental death benefit, permanent disability cover, temporary disability income, accidental hospitalization cover
Plan Sample Premium 13352 1145
Plan Brochure Brochure URL Brochure URL
Policy Term 1 year 1/2/3 years
ICU Charges Covered Covered
Covid-19 Treatment Covered Not covered
Cataract Covered Not covered
Automatic Restoration Covered Not covered
Ayush Treatment Not Covered Not covered
Modern Treatment Covered Not covered
E Consultation Covered Not covered
Air Ambulance Not Covered Not covered
Global Coverage Covered Covered
Claim Ratio 94.4 95.30
Solvency Ratio 3.03 2.00
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