Care (Formerly Religare) vs Niva Bupa Health Insurance

Compare Care (Formerly Religare) vs Niva Bupa

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
maternity-health-policy buy-online Niva Bupa Heartbeat Niva Bupa premia Niva Bupa Companion Niva Bupa Go-Active
Maternity health insurance - JOY
Care(formerly Religare) health insurance - Care
Heartbeat
Gold
Platinum
Gold
Platinum
Premia
Companion
Go-Active
Maternity health insurance - JOY Care(formerly Religare) health insurance - Care Heartbeat Premia Companion Go-Active
In-patient Treatment
Covered Covered Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Room Rent
Single private room with AC
3 & 4 Lakhs: 1% of sum insured per day
5 to 10 Lakhs: Single private room
15 to 75 Lakhs: Single private room,upgradable to next level
Gold - Covered up to sum insured (except for Suite or above room category)
Platinum - Covered up to sum insured
Silver and Gold: Covered up to sum insured (except for Suite or above room category)
Platinum: Covered up to sum insured
Covered up to sum insured (except for Suite or above room category) 4 Lakhs: Up to 1% of base sum insured per day
5 to 25 Lakhs: No restriction (except suite or above room category)(Limit included in Inpatient Care sum insured)
ICU Charges
Covered
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
Covered up to sum insured Covered Covered 4 Lakhs: Up to 2% of base sum insured per day
5 to 25 Lakhs: No restriction (except suite or above room category)
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days 60 days
(Covered up to sum insured)
90 days before the date of admission to the hospital 30 days before the date of admission to the hospital 90 days before the date of admission to the hospital
Post-hospitalization
60 days after discharge from the hospital Up to 60 days 90 days
(Covered up to sum insured)
180 days after discharge from the hospital 60 days after discharge from the hospital 180 days after discharge from the hospital
Day Care Procedures
Covered Covers more than 540 day Care treatments Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Domiciliary Treatment
Not covered Up to 10% of sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Emergency Ambulance
Up to a limit of Rs.1,000 per claim
3 & 4 Lakhs: Rs.1,500 per hospitalisation
5 to 10 Lakhs: Rs.2,000 per hospitalisation
15 to 40 Lakhs: Rs.2,500 per hospitalisation
50 to 75 Lakhs: Rs.3,000 per hospitalisation
Network Hospital: Covered up to sum insured
Non-network Hospital: Covered up to Rs. 2,000 per event
Network Hospital: Covered up to sum insured
Non-network Hospital: Covered up to Rs. 2,000 per event
Up to Rs 3,000 per hospitalisation Up to Rs 3,000 per hospitalisation
Dental Treatment
Not covered Not covered Not covered Out patient dental treatment is covered Covered except for inpatient hospitalization due to an Accident. Not covered
Bariatric Surgery
Not covered Not covered Not covered Silver: Not Available
Gold: Covered up to Rs 1,00,000(waiting period 3 Years)
Platinum: Covered up to Rs 1,50,000(waiting period 3 Years)
Not covered Not covered
Ayush Benefit
Not Covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Covered Covered Covered up to Reasonable and Customary Charges Covered Ayurveda, Unani, Sidha and Homeopathy
Maternity Benefits
3 Lakhs: Up to Rs.35,000
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 & 4 Lakhs: Not Covered
5 to 10 Lakhs: Not Covered
15 to 40 Lakhs: Not covered
50 to 75 Lakhs: Covered
(Waiting period: 24 months)
Gold - 5 lakhs: Covered up to Rs.40,000
7.5 lakhs: Covered up to Rs.60,000
10 lakhs: Covered up to Rs.70,000
15 lakhs: Covered up to Rs.75,000
20 lakhs: Covered up to Rs.80,000
30 lakhs & 50 lakhs: Covered up to Rs.1,00,000
Platinum - 15 lakhs: Covered up to Rs.120,000
20 lakhs: Covered up to Rs.160,000
50 lakhs & 1 crore: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Silver - 5 lakhs: Covered up to Rs.40,000
7.5 lakhs: Covered up to Rs.60,000
Gold - 10 lakhs: Covered up to Rs.70,000
15 lakhs: Covered up to Rs.75,000
20 lakhs: Covered up to Rs.80,000
30 lakhs & 50 lakhs: Covered up to Rs.1,00,000
Platinum - 1 crore to 3 crores: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Not covered Not covered
New Born baby cover
3 lakhs: Up to Rs 30,000
5 lakhs: Up to Rs 50,000
Not Covered Covered up to sum insured Covered up to sum insured Not covered Not covered
Organ Donor Expenses
Not Covered
Covered(Optional)
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not Covered Covered Not covered Not covered Varient1 ( 2 to 4 Lakhs): Up to Rs.2500
Varient2 ( 5 to 12.5 Lakhs): Up to Rs.5000
Varient3 ( 15 to 100 Lakhs): Up to Rs.7500 (OPD benefit up to defined limit as part of overall limit)
Not covered
Health Check-up
Not covered Covered Gold - 5 lakhs: Annually covered up to Rs.1,250 per insured person
7.5 lakhs: Annually covered up to Rs.1,875 per insured person
10 lakhs to 50 lakhs: Annually covered up to Rs.2,500 per insured person
(Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/days/policy year
Platinum - 15 lakhs: Annually covered up to Rs.3,750 per insured person
20 lakhs to 1 crore: Annually covered up to Rs.5,000 per insured person
Silver (5 Lakhs): Covered up to worth Rs 1,250 per Insured Person
Silver (7.5 Lakhs): Covered up to worth Rs 1,875 per Insured Person
Gold (10 to 20 Lakhs): Covered up to worth Rs 2,500 per Insured Person
Gold (30 Lakhs): Covered up to worth Rs 5,000 per Insured Person
Gold (50 Lakhs): Covered up to worth Rs 7,500 per Insured Person
Platinum (1crore to 3Crores): Covered up to worth Rs 10,000 per Insured Person
Varient1 ( 2 to 4 Lakhs): once in every 2years
Varient2 & Varient3: Once in every Year
Available
Hospital daily allowance
Not covered Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days Gold: Rs. 3,000 per day
Platinum: Rs. 6,000 per day
(Minimum 48 hrs of continuous hospitalization required coverage offered for 30 30 days/policy year)
Silver: Rs. 3,000 per day
Gold: Rs. 5,000 per day
Platinum: Rs. 7,500 per day
Varient1: Rs. 1,000 per day
Varient2: Rs. 2,000 per day
Varient3: Rs. 4,000 per day
(Min 48hrs contineous hospitalisation required)
Not covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years Options of 10% and 20% co-payment NIL co-pay for all inpatients, up to 20% for OPD & other treatments NIL co-pay for all inpatients, 10% for OPD treatment NIL co-pay for all inpatients, up to 20% for OPD & other treatments
Pre-existing diseases coverage
Covered after 4 years of continuous coverage. Covered after 4 years of continuous coverage. Pre-existing diseases covered after 2 years of continuous coverage. Pre-existing diseases covered after 4 years of continuous coverage. Pre-existing diseases for 2 to 4 Lakhs is covered after 4 years and for 5 to 100 Lakhs is covered after 3 years of continuous coverage. Pre-existing diseases covered after 3 years of continuous coverage.
Restore Benefit
Not covered
Recharge Up to 100% of Base sum insured per year
Up to 100% of Base sum insured per year Up to 100% of Base sum insured per year Up to 100% of Base sum insured per year Up to 100% of Base sum insured per year
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Covered(Optional)
10% for every claim free year up to 50% of sum insured 10% on base sum insured for every claim free year and up to 100%. 10% on base sum insured for every claim free year and up to 100%. 20% on base sum insured for every claim free year and up to 100%. Not covered
Emergency Air Ambulance
Not covered
Covered
(Optional)
Gold - Not covered
Platinum - covered up to sum insured
Covered up to sum insured Not covered Not covered
Available sum insured options
3 & 5 Lakhs 3 to 75 Lakhs Gold - 5 lakhs to 50 lakhs
Platinum - 15 lakhs to 1 crore
Silver - 5 Lakhs to 7.5 Lakhs
Gold - 10 Lakhs to 50 Lakhs
Platinum - 1crore to 3 crores
Varient1 - 2 Lakhs to 4 Lakhs
Varient2 - 5 Lakhs to 12.5 Lakhs
Varient3 - 15 Lakhs to 100 Lakhs
1 Lakh to 25 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2 years 1/2/3 years 1/2 years 1/2/3 years
Eligibility criteria
Adults from 18 to 65 years (dependents 91 days to 17 years) 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years)
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Not covered Not covered If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours. If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours.
Claims loading
No Loading Loading No Loading No Loading No Loading No Loading
Portablity
(At the time of renewal)
Yes Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Useful Links
Care(formarly Religare) Niva Bupa
Claims Settlement Ratio ** 95.2 % 85.96 %
Number of Lives Covered * 1,07,13,000 54,33,000
Network Hospitals 16,500 + 4,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022