Compare Niva Bupa vs Cholamandalam
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| Heartbeat
Gold
Platinum
Gold
Platinum
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Companion
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Go-Active
| Healthline
Value
Freedom
Enrich
Priviledge
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Flexi Health
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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 | Covered | Covered | Covered | |
| 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) |
Single occupancy AC room is allowed for all Sum Insured except for Rs.1 Lakh / 2 Lakhs. For Rs.1 Lakh / 2 Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs 3,000 per day respectively |
NIL Room Rent restrictions | Covered | |
| 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 |
Covered | Not Covered | Not Covered | |
| 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) | Value Healthline: 30 days before the date of admission to the hospital Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital |
30 days | 30 days | |
| Post-hospitalization | ||||||
| 90 days (Covered upto sum insured) | 60 days after discharge from the hospital | 180 days (Covered up to Sum Insured) | Value Healthline: 60 days before the date of admission to the hospital Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital |
60 days | 60 days | |
| Day Care Procedures | ||||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covered | Covered | All day care procedures covered | |
| Domiciliary Treatment | ||||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covered (Maximum 7 days) | Covered | 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 | Value Healthline: Rs.1,000 per hospitalisation; Freedom & Enrich Healthline: Rs.2,000 per hospitalisation Privilage Healthline: Rs.5,000 per hospitalisation |
Up to 1% of SI subject to a maximum of `2,000/- per hospitalisation | Maximum of Rs. 2000 per hospitalisation | |
| Dental Treatment | ||||||
| Not covered | Not covered | Not covered | Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Rs.10,000 every 2 Years (Additional benefit) |
Not Covered | Covered | |
| Bariatric Surgery | ||||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | |
| Ayush Benefit | ||||||
| Covered | Covered upto Reasonable and Customary Charges | Covered Ayurveda, Unani, Sidha and Homeopathy | Covered | Covered | Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy | |
| 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 | Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Up to Rs.1 Lakh Per delivery (Upto 2 deliveries, after 3 consecutive renewals) |
Not Covered | Covered | |
| New Born baby cover | ||||||
| Covered up to sum insured | Not Covered | Not Covered | Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Covered upto Sum Insured of Mother / Floater Sum Insured |
Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date | 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 | Not Covered | Not 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. | Value & Freedom Healthline: Not Covered Enrich Healthline : Rs 500 per day for 7 days Privilage Healthline: Not Covered (Additional benefit) |
Not Covered | Not Covered | |
| Organ Donor Expenses | ||||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covered | Covered | 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 | 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 | Value Healthline: Not Covered Freedom Healthline: Once after 3 claim free years Enrich & Privilage Healthline: Once after 2 claim free years |
health check-up - once in every 2 claim-free years | No pre-policy health check-up before 50 years of age | |
| 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 | Value & Freedom Healthline: Not Covered Enrich & Privilage Healthline: Rs.10,000(Minimum 10 days Hospitalization) (Additional benefit) |
Daily benefit of `500/- per day towards accompanying person expenses, up to a maximum of 10 days per policy period | 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 | Value Healthline: 10% on all claims Freedom, Enrich, Privilage Healthline: Not Covered (for age above 55years) |
No co-pay | Co-pay fixed at 5% for all ages/sum insureds in this policy | |
| 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 | Pre-existing diseases covered after 4 years of continuous coverage | Pre-existing diseases covered after 3 years of continuous coverage | Benefits not available for any pre-existing condition(s) until 48 consecutive months of continuous coverage | |
| 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 | Not Covered | Covered | Not Covered | |
| General waiting period | ||||||
| 30 days | 30 days | 30 days | 30 days | 30 days | 30 days (not applicable on renewal and for accidents) | |
| 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 | Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured |
10% for every claim-free year up to 50% of sum insured | Increase in the Sum Insured by 5% in respect of each claim free year subject to a maximum of 50% of SI | |
| Emergency Air Ambulance | ||||||
Gold: Not Covered Platinum: Covered up to Sum Insured |
Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | |
| Available sum insured options | ||||||
Gold: 5 to 50 Lakhs Platinum: 15 Lakhs to 1 Crore |
Varient1: 2 to 4 Lakhs Varient2: 5 to 12.5 Lakhs Varient3: 15 to 100 Lakhs |
Rs.4 to 25 Lakhs | Value Healthline: Rs.1 to 10 Lakhs Freedom Healthline: Rs.2 to 15 Lakhs Enrich Healthline: Rs.3 to 25 Lakhs Privilage Healthline: Rs.5 to 25 Lakhs |
Rs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs | Minimum Sum Assured is ₹ 1 Lac Maximum Sum Assured is ₹ 5 Lacs (Sum Assured can be opted for in multiples of ₹50,000) |
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| Policy can be purchased for | ||||||
| 1/2 years | 1/2 years | 1/2/3 years | 1/2/3 years | 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) | 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 90 days to 26 years) | Adults from 18 to 65 years and Children 03 months to 26 years | Adults from 18 to 65 years and Children 03 months to 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 | |
| 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 | |
| Useful Links | ||||||
| Niva Bupa | Cholamandalam | |
|---|---|---|
| Claims Settlement Ratio ** | 85.96% | 73.87% |
| Number of Lives Covered * | 54,33,000 | 1,806,000 |
| Network Hospitals | 4,500 + | 7,250 + |
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