Max Bupa Money Saver Plan
vs
Bajaj Health Guard Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Max Bupa Money Saver Plan |
 Bajaj Health Guard Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | 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 | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | 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) |
10263 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Applicable |
| Plan Entry Age | Minimum- 3 Months Maximum- 65 Years | 18 Years to Lifelong |
| Plan Premium Entry Age and S/A | 10,967 | 5500 |
| Plan Waiting Period | 30 days | 30 Days |
| Plan Coverage | - | - |
| Plan Sample Premium | 10,967 | 5500 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 | 2 | 3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 100 | 93.54 |
| Solvency Ratio | 1.7 | 3.6 |
Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. It comes in two categories: individual plan type and family floater plan type. The Money Saver plan is designed in such a way that you can get the maximum benefit of two plans combined at affordable premiums.
How are the premiums lower for the Money Saver health plan, than that of buying the Health Recharge plan and Health Companion plan separately? Let’s understand this with an example:-
Suppose a 25-year-old individual Prashant has bought a Niva Bupa Money Saver plan with a sum insured of INR 30 Lakhs. Out of which the separate sum insured by Health Companion is INR 5 Lakhs and the sum insured by the Health Recharge plan is INR 25 Lakhs. For Prashant, who is living in a city (excluding Delhi (NCR), Surat, Kolkata, Mumbai, Thane, Jaipur, Ludhiana, and Pune), the estimated premium amount will be approximately INR 620/month. Upon which you will have to bear INR 5 Lakhs as deductible as per the Health Recharge plan, and the applicable deductible is managed through the coverage of the Health Companion plan.
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