Compare Niva Bupa vs Bajaj Allianz
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| Heartbeat
Gold
Platinum
Gold
Platinum
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Companion
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Go-Active
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Health Guard
Gold
Platinum
Silver
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Health Ensure
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Health Care Supreme
Ultimo
Vital
Smart
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Arogya Sanjeevani
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| In-patient Treatment | |||||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covers hospitalisation expenses due to an disease/ illness/injury | Covers hospitalisation expenses due to an disease/ illness/injury | Covers hospitalisation expenses due to an disease/ illness/injury | Covers hospitalisation expenses due to an disease/ illness/injury | |
| Room Rent | |||||||
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) |
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower Gold: No sublimits |
1% of sum insured per day maximum Rs.5,000 per day | Actual | 2% of sum insured, maximum up to Rs.5,000 per day | |
| ICU Charges | |||||||
| Covered up to sum insured | Covered | 4 Lakhs: Up to 2% of Base Sum Insured 5 to 25 Lakhs: Covered up to Sum Insured |
Actual | 2% of sum insured per day maximum Rs.10,000 per day | Actual | 5% of sum insured, maximum up to Rs.10,000 per day | |
| Pre-hospitalization | |||||||
| 60 days(Covered upto sum insured) | 30 days before the date of admission to the hospital | 90 days (Covered up to Sum Insured) | Up to 60 days | Up to 30 days | Up to 60 days | Up to 30 days | |
| Post-hospitalization | |||||||
| 90 days(Covered upto sum insured) | 60 days after discharge from the hospital | 180 days (Covered up to Sum Insured) | Up to 90 days | Up to 60 days | Up to 90 days | Up to 60 days | |
| Day Care Procedures | |||||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | Covered | |
| Domiciliary Treatment | |||||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Not Covered | Not Covered | Not Covered | Not Covered | |
| Emergency Ambulance | |||||||
| 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 | Up to Rs.20,000 per policy year | Up to Rs.1,000 per hospitalisation | Up to sum insured | Up to Rs.2,000 per hospitalisation | |
| Dental Treatment | |||||||
| Not Covered | Not covered | Not Covered | Not Covered | Not Covered | Covered out patient expenses procedures – Root Canal Treatment, Extractions | Dental treatment, necessitated due to disease or an injury | |
| Bariatric Surgery | |||||||
| Not Covered | Not Covered | Not Covered | 50% of Sum insured max upto Rs.5lakhs(waiting period: 3years) | Not Covered | Covered if medically indicated | Not Covered | |
| Ayush Benefit | |||||||
| Covered | Covered upto Reasonable and Customary Charges | Covered Ayurveda, Unani, Sidha and Homeopathy | Covered | Covered up to 20% of sum Insured | 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) |
Not Covered | Not Covered | Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower Gold: No sublimits |
Not Covered | Up to Rs.25,000 to Rs.1 lakh (waiting period: 2 years) |
Not Covered | |
| New Born baby cover | |||||||
| Covered upto sum insured | Not Covered | Not Covered | 50% of Sum insured maximum up to Rs.5 lakhs | Not Covered | Covered if medically indicated | Not Covered | |
| Vaccination of the new born baby | |||||||
Covered until new born baby completes one year vaccinations (as mentioned in the policy document) |
Not Covered | Not Covered | Covered | Not Covered | Covered | Not Covered | |
| Daily Cash for Accompanying an Insured Child | |||||||
| 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 | Up to Rs.500 per day maximum up to 10 days during each policy year | Not Covered | Not Covered | Not Covered | |
| Organ Donor Expenses | |||||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covered up to Rs.500,000 | Not Covered | |
| Vaccination (In case of post bite treatment) | |||||||
| 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 | Not Covered | Not Covered | Not Covered | Not Covered | |
| 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 |
Available | Every 3 yrs, 1% of sum insured, max Rs.5,000, irrespective of claim | Every 3 yrs, 1% of sum insured, max Rs.1,500, irrespective of claim | Annual | Not Covered | |
| Hospital daily allowance | |||||||
Gold: Rs.3,000 per day Platinum: Rs.6,000 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 | Not Covered | Not Covered | Up to Rs.1,000 per day | Not 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, 10% for OPD treatment | No co-pay | Co-pay options of NIL / 20% based on Zonewise treatment availed |
Co-pay options of NIL / 20% based on Zonewise treatment availed | Co-pay options of NIL | 5% Co-pay applicable on all claims | |
| Pre-existing diseases coverage | |||||||
| Pre-existing diseases covered after 2 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 | Covered after a waiting period of 3 years | Covered after a waiting period of 2 years | Covered after a waiting period of 2 years | Covered after a waiting period of 4 years | |
| Restore Benefit | |||||||
| Upto 100% of Base Sum Insured per year | Upto 100% of Base Sum Insured per year | Upto 100% of Base Sum Insured per year | Restoration benefit available upto 100% of Base sum insured | NIL restoration benefit | Restoration benefit available upto 100% of Base sum insured | NIL restoration benefit | |
| General waiting period | |||||||
| 30 days | 30 days | 30 days | 30 days | 30 days | 30 days | 30 days | |
| Renewal Benefit / Cumulative Bonus | |||||||
| 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 | 10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) | 5% on base sum insured for every claim free year and up to 25% | 10% on base sum insured for every claim free year and up to 50% | 5% on base sum insured for every claim free year and up to 50% | |
| Emergency Air Ambulance | |||||||
Gold: Not Covered Platinum: Covered up to Sum Insured |
Covered up to Sum Insured | Not Covered | Not Covered | Not Covered | Rs.50,000 to Rs.5 Lakhs | Not Covered | |
| Available sum insured options | |||||||
Gold: Rs.5 to 50 Lakhs Platinum: Rs.15 Lakhs to 1 Crore |
Varient1: Rs.2 to 4 Lakhs Varient2: Rs.5 to 12.5 Lakhs Varient3: Rs.15 to 100 Lakhs |
Rs.4 to 25 Lakhs | Silver Plan: Rs.1.5 Lakhs, 2 Lakhs Gold Plan: Rs.3 to 50 Lakhs |
Individual: Rs.50,000 to 10 Lakhs Floater: Rs.2 to 10 Lakhs |
Rs.5 to 50 Lakhs | Rs.1 to 5 Lakhs | |
| Policy can be purchased for | |||||||
| 1/2 years | 1/2 years | 1/2/3 years | 1/2/3 years | 1/2/3 years | 1 year | 1 year | |
| 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) | 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 65 years (dependents 3 months to less than 30 years) | Adults from 18 to 99 years (dependents 3 months to less than 30 years) | Adults from 18 to 99 years (dependents 3 months to less than 25 years) | Adults from 18 to 65 years (dependents 3 months to less than 25 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 | Renewal for whole life | |
| Portablity (At the time of renewal) | |||||||
| Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Claims loading | |||||||
| No Loading | No Loading | No Loading | No Loading | Loading | Loading | No Loading | |
| 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 | Income tax benefit under section 80D | |
| Useful Links | |||||||
| Niva Bupa | Bajaj Allianz | |
|---|---|---|
| Claims Settlement Ratio** | 85.96% | 94.55% |
| Number of Lives Covered* | 54,33,000 | 2,46,85,000 |
| Network Hospitals | 4,500 + | 6,500 + |
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