Niva Bupa health insurance vs SBI General Health Insurance

Compare Niva Bupa vs SBI General Health Insurance Plans
Plan Type
Health
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Niva Bupa SBI General
Claims Settlement Ratio ** 85.96% 62.73%
Number of Lives Covered * 54,33,000 27,48,000
Network Hospitals 4,500 + 6,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Niva Bupa Heartbeat Niva Bupa premia Niva Bupa Companion Niva Bupa Go-Active SBI General SBI General SBI General SBI General
Heartbeat Premia Companion Go-Active Retail Health Arogya Premier Arogya Plus Arogya Sanjeevani
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Covered 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)
1% of sum insured per day Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 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
2% of sum insured per day Covered Covered Up to 5% of the 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 30 days Up to 60 days Up to 60 days 30 days before the date of admission to the hospital
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 Up to 90 days Up to 90 days 60 days after discharge from the hospital
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured 142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured 20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation. Insurer will cover reasonable and customary charges towards domiciliary hospitalisation. 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 1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of Rs.2,000 per hospitalisation.
Dental Treatment
Not covered Out patient dental treatment is covered Not covered Not covered Covered Covered Covered Dental treatment necessitated due to disease or injury
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 Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine:Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered 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 Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule. 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. Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period. 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 Covered Not Covered 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 1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered 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 Not Covered 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 No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 5% Co pay applicable on 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 Covered after 4 years of continuous coverage. Covered after a waiting period of 4 years Covered after a waiting period of 4 years. Covered after a waiting period of 4 years.
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 Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered
General waiting period
30 days 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% 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 Covered5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% 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 Up to Rs.100,000 Not Covered Not Covered
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 50,000 to 5 Lakhs 10 to 30 Lakhs 1 to 3 Lakhs 1 to 5 Lakhs
Policy can be purchased for
1/2 years 1/2/3 years 1/2 years 1/2/3 years 1/2/3 years 1/2/3 years 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) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 years (dependents 91 days to 17 years) Adults from 18 to 65 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 Renewal for whole life Renewal for whole life
Claims loading
No Loading No Loading No Loading No Loading No Loading Loading Loading No Loading
Portablity(At the time of renewal)
Yes Yes 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 Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025