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Niva Bupa vs Reliance health insurance

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Compare Niva Bupa vs Reliance

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
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Niva Bupa Heartbeat Niva Bupa premia Niva Bupa Companion Niva Bupa Go-Active tata aig medicare tata aig medicare reliance tata aig medicare premier
Heartbeat
Gold
Platinum
Gold
Platinum
Premia
Companion
Go-Active
HealthGain
Healthwise
Standard
Silver
Gold
Arogya Sanjeevani
Health Infinity
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours Covers hospitalisation expenses due to an disease/ illness/injury per policy period ​ ​Covered, No Sub limits Covers hospitalisation expenses
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)
 Actual No sub-limit No sub-limit Up to 2% of the sum insured subject to maximum of Rs.5000 per day
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
 Not covered Not covered Covered Expenses up to 5% of sum insured subject to maximum of Rs. 10,000 per day
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) Up to 60 days Standard Plan 30 days
Silver & Gold Plan 60 days
 90 days before the date of admission to the hospital Covers medical expenses incurred 30 days prior to the date of hospitalisation
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) Up to 60 days
Standard Plan: 60 days
Silver & Gold : Plan 90 days
 180 days after discharge from the hospital Covers medical expenses incurred up to 60 days from the date of discharge
Day Care Procedures
Covered up to sum insured 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 Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure.
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Up to 10% of base sum insured,subject to maximum of Rs.50,000 Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation Covered up to sum insured Not 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 Up to Rs.1,500 to Rs.3,000 per hospitalisation
Standard Plan: 500 per hospitalisation
Silver Plan: 750 per hospitalisation
Gold Plan: 1,000 per hospitalisation
 Covered, No Sub-limits Up to Rs 2,000 per hospitalisation
Dental Treatment
Not covered Out patient dental treatment is covered Not covered Not covered Not covered Not covered Not 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 Not covered Not covered Not covered Not covered
Ayush Benefit
Covered Covered Covered upto Reasonable and Customary Charges Covered Ayurveda, Unani, Sidha and Homeopathy Not covered Not covered ​Covered, No Sub limits Covered, No Sub limits
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 Not Covered Not covered Not covered Not covered Not covered
New Born baby cover
Covered up to sum insured Covered up to sum insured Not covered Not covered Not covered Not covered Not covered Not covered
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 Not covered Not covered Not covered
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 Not covered 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 ​50% of sum insured up to max Rs 5 Lakhs Available only under Gold and Silver plans No-Sublimit Not covered
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 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
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 Not covered Silver Plan: Rs.250 per day for a maximum period of 5 days
Gold Plan: Rs.300 per day for a maximum period of 5 days
 10% discount on health check-up Not 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 Not covered Standard Plan: No
Silver Plan: No
Gold Plan: Rs.250 per day up to 7 days		 Not covered 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, up to 20% for OPD & other treatments NIL co-pay for all inpatients, 10% for OPD treatment No co-pay 20% co-pay for above 61 years Not covered 10%, if opted 5% for all claims
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 Pre-existing diseases covered after 36 months of continuous coverage Covered after 4 continuous renewals for Standard plan & 2 continuous renewals for Silver and Gold plan Pre-existing diseases covered after 36 months of continuous coverage Pre-existing diseases covered after 48 months of continuous coverage
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 Upto 100% of Base Sum Insured per year Not applicable Not applicable Equal to 100% of Sum Insured Not applicable
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days 30 days 48 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 33.33% increase in Base sum insured for every claim free year; Max up to 100%.33.33% decrease in Base sum insured for every claim year; Max up to Cumulative Bonus earned Continuity Benefits Shall be available only if the policy is renewed within 30 days from the previous policy expiry date 10% discount on renewal premium Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of sum insured
Emergency Air Ambulance
Gold: Not covered
Platinum: Covered up to sum insured
 Covered up to sum insured Not covered Not covered Not covered Not covered Not covered Not covered
Available sum insured options
Gold: Rs.5 to 50 Lakhs
Platinum: Rs.15 Lakhs to 1 Crore
Silver: Rs.5 to 7.5 Lakhs
Gold: Rs.10 to 50 Lakhs
Platinum: Rs.1 to 3 crores
Varient1: Rs.2 to 4 Lakhs
Varient2: Rs.5 to 12.5 Lakhs
Varient3: Rs.15 to 100 Lakhs
 Rs.4 to 25 Lakhs
Plan A: Rs.3 to 9 Lakhs
Plan B: Rs.12 to 18 Lakhs
 Rs.5 Lakhs Rs.3 Lakhs to 1 Crore Rs.1 to 5 Lakhs
Policy can be purchased for
1/2 Years 1/2/3 Years 1/2 Years 1/2/3 Year 1 Year 1 Year 1/2/3 Years​ 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) 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) 65 years. No entry age bar for an insured sum of 3 lakh covered under the policy Maximum age to enter the plan is 65 years covered under the policy Child: 91 days to 25 years
Adult: 18 years to 65 years covered under the policy		 Child: 91 days to 25 years
Adult: 18 years to 65 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 Renewal for whole life
Portablity (At the time of renewal)
Yes Yes Yes Yes Yes Yes Yes Yes
Claims loading
No Loading No Loading No Loading No Loading No Loading 5% for one condition ,max up to 25% 10% for one condition , max up to 50% 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 Income tax benefit under section 80D
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Niva Bupa Reliance
Claims Settlement Ratio ** 85.96% 80.61%
Number of Lives Covered * 54,33,000 22,48,000
Network Hospitals 4,500 + 4,000 +
  • * 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 07/08/2025