Compare Niva Bupa vs Godigit Health Insurance, Godigit Vs Niva Bupa Mediclaim Insurance Comparison

Compare Niva Bupa vs Godigit Health Insurance Plans

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	Niva Bupa	Godigit
Claims Settlement Ratio ^**	85.96%	60
Number of Lives Covered ^*	54,33,000	-
Network Hospitals	4,500 +	6,400 +
* As per IRDAI report for 2018-19 ** As per NL25 data published on the Insurance Company website


Heartbeat	Premia	Companion	Go-Active	Digit Health Care Plus	Digit Health Plus
In-patient Treatment
Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Maxima Restore Super: All Illness Hospitalization Early Cover: All Illness Hospitalization Super Care: All Illness Hospitalization	Covered
Room Rent
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)	Maxima Restore Super: No room rent restriction Early Cover: No room rent restriction Super Care: No room rent restriction	Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Covered up to sum insured	Covered	Covered	4 Lakhs: Up to 2% of Base Sum Insured 5 to 25 Lakhs: Covered up to Sum Insured	Covered	Covered
Pre-hospitalization
60 days (Covered upto sum insured)	90 days before the date of admission to the hospital	30 days before the date of admission to the hospital	90 days (Covered up to Sum Insured)	Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days	Covered
Post-hospitalization
90 days (Covered upto sum insured)	180 days after discharge from the hospital	60 days after discharge from the hospital	180 days (Covered up to Sum Insured)	Maxima Restore Super: 60 days Early Cover: 60 days Super Care: 60 days	Covered
Day Care Procedures
Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered	Covered
Domiciliary Treatment
Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	Covered
Emergency Ambulance
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	Maxima Restore Super: 1% upto Rs.5,000 Early Cover: 1% upto Rs.5,000 Super Care: 1% upto Rs.5,000	Covered
Dental Treatment
Not covered	Out patient dental treatment is covered	Not covered	Not covered	Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered	Covered
Bariatric Surgery
Not Covered	Silver: Not Available Gold: Covered up to Rs.1,00,000 Platinum: Covered up to Rs.1,50,000 (waiting period 3 Years)	Not Covered	Not Covered	Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered	Covered
Ayush Benefit
Covered	Covered	Covered upto Reasonable and Customary Charges	Covered Ayurveda, Unani, Sidha and Homeopathy	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	Covered
Maternity Benefits
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 & 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 & 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	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	Covered (if opted by You.)
New Born baby cover
Covered up to sum insured	Covered up to sum insured	Not Covered	Not Covered	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	Covered (if opted by You.)
Vaccination of the new born baby
Covered until new born baby completes one year vaccinations (as mentioned in the policy document)	Covered until new born baby completes one year	Not Covered	Not Covered	Not Covered	Vaccinations of the New Born Baby as per National Immunization Schedule as defined by Government of India, up to 90 Days from the date of delivery
Daily Cash for Accompanying an Insured Child
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.	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	Covered
Organ Donor Expenses
Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Covered up to sum insured	Maxima Restore Super: Covered Early Cover: Not Covered Super Care: Not Covered	Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not Covered	Not Covered	Varient1 ( 2 to 4 Lakhs): Up to Rs.2,500 Varient2 ( 5 to 12.5 Lakhs): Up to Rs.5,000 Varient3 ( 15 to 100 Lakhs): Up to Rs.7,500(OPD benefit upto defined limit as part of overall limit)	Not Covered	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	Covered (if opted by You.)
Health Check-up
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 to 50 Lakhs: Annually covered up to Rs.2,500 per insured person Platinum - 15 Lakhs: Annually covered up to Rs.3,750 per insured person 20 Lakhs to 1 Crore: Annually covered upto Rs.5,000 per insured person	Varient1 ( 2 to 4 Lakhs): once in every 2years Varient2 & Varient3: Once in every year	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	Available	Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered	Covered
Hospital daily allowance
Gold: Rs.3,000 per day Platinum: Rs.6,000 per day	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) (optional)	Not covered	Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered	Covered
Co-pay
Gold : a. If you select Zone 2, then 20% co-payment will apply for treatment in Mumbai (including Navi Mumbai & Thane), Delhi NCR, Kolkata & Gujarat State b. Options of 10% and 20% co-payment Paltinum : 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	No co-pay	Maxima Restore Super: No Age based Co-Payment Early Cover: No Age based Co-Payment Super Care: No Age based Co-Payment	Covered
Pre-existing diseases 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	Maxima Restore Super: 2 year waiting period for PED Early Cover: 2 year waiting period for PED Super Care: 3 year waiting period for PED & 2 year for Specific illness	Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
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	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	NIL restoration benefit
General waiting period
30 days	30 days	30 days	30 days	Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days	30 days
Renewal Benefit / Cumulative Bonus
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	Maxima Restore Super: 10% each claim free year (max 50%) Early Cover: 10% each claim free year (max 50%) Super Care: 10% each claim free year (max 50%)	You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Gold: Not Covered Platinum: Covered up to Sum Insured	Covered up to Sum Insured	Not Covered	Not Covered	Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered	Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Gold: 5 to 50 Lakhs Platinum: 15 Lakhs to 1 Crore	Silver: 5 to 7.5 Lakhs Gold: 10 to 50 Lakhs Platinum: 1 to 3 crores	Varient1: 2 to 4 Lakhs Varient2: 5 to 12.5 Lakhs Varient3: 15 to 100 Lakhs	Rs.4 to 25 Lakhs	Maxima Restore Super: Rs.3 to 25 Lakhs Early Cover: Rs.3 to 25 Lakhs Super Care: Rs.3 to 25 Lakhs	Starting from Rs. 2 Lakh
Policy can be purchased for
1/2 years	1/2/3 years	1/2 years	1/2/3 years	Maxima Restore Super: 1/2/3 years Early Cover: 1/2/3 years Super Care: 1/2/3 years	1/2/3 years
Eligibility criteria
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)	Entry age for Adults is 18 years - 65 Years (last birthday) and from 91 days to 21 years (last birthday) for children (dependent children)	Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)	Between the age group of 1 year and 60 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
Claims loading
No Loading	No 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
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