Compare Care vs Niva Bupa
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| Maternity health insurance - JOY
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Care health insurance - Care
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Heartbeat
Gold
Platinum
Gold
Platinum
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Companion
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Go-Active
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| In-patient Treatment | |||||
| Covered | Covered | Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | |
| Room Rent | |||||
| Single private room with AC | 3 & 4 Lakhs: 1% of sum insured per day 5 to 10 Lakhs: Single private room 15 to 75 Lakhs: Single private room,upgradable to next level |
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) |
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| ICU Charges | |||||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit |
Covered up to sum insured | Covered | 4 Lakhs: Up to 2% of base sum insured per day 5 to 25 Lakhs: No restriction (except suite or above room category) |
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| Pre-hospitalization | |||||
| 30 days before the date of admission to the hospital | Up to 30 days | 60 days (Covered up to sum insured) |
30 days before the date of admission to the hospital | 90 days before the date of admission to the hospital | |
| Post-hospitalization | |||||
| 60 days after discharge from the hospital | Up to 60 days | 90 days (Covered up to sum insured) |
60 days after discharge from the hospital | 180 days after discharge from the hospital | |
| Day Care Procedures | |||||
| Covered | Covers more than 540 day Care treatments | Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | |
| Domiciliary Treatment | |||||
| Not covered | Up to 10% of sum insured | Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | |
| Emergency Ambulance | |||||
| Up to a limit of Rs.1,000 per claim | 3 & 4 Lakhs: Rs.1,500 per hospitalisation 5 to 10 Lakhs: Rs.2,000 per hospitalisation 15 to 40 Lakhs: Rs.2,500 per hospitalisation 50 to 75 Lakhs: Rs.3,000 per hospitalisation |
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 | |
| Dental Treatment | |||||
| Not covered | Not covered | Not covered | Covered except for inpatient hospitalization due to an Accident. | Not covered | |
| Bariatric Surgery | |||||
| Not covered | Not covered | Not covered | Not covered | Not covered | |
| Ayush Benefit | |||||
| Not Covered | Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha | Covered | Covered up to Reasonable and Customary Charges | Covered Ayurveda, Unani, Sidha and Homeopathy | |
| Maternity Benefits | |||||
3 Lakhs: Up to Rs.35,000 5 Lakhs: Up to Rs.50,000(Waiting period: 9 months) |
3 & 4 Lakhs: Not Covered 5 to 10 Lakhs: Not Covered 15 to 40 Lakhs: Not covered 50 to 75 Lakhs: Covered (Waiting period: 24 months) |
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 lakhs & 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 | |
| New Born baby cover | |||||
3 lakhs: Up to Rs 30,000 5 lakhs: Up to Rs 50,000 |
Not Covered | Covered up to sum insured | Not covered | Not covered | |
| Organ Donor Expenses | |||||
| Not Covered | Covered(Optional) |
Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | |
| Vaccination (In case of post bite treatment) | |||||
| Not Covered | Covered | Not covered | Varient1 ( 2 to 4 Lakhs): Up to Rs.2500 Varient2 ( 5 to 12.5 Lakhs): Up to Rs.5000 Varient3 ( 15 to 100 Lakhs): Up to Rs.7500 (OPD benefit up to defined limit as part of overall limit) |
Not covered | |
| Health Check-up | |||||
| Not covered | Covered | 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 lakhs to 50 lakhs: Annually covered up to Rs.2,500 per insured person (Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/days/policy year Platinum - 15 lakhs: Annually covered up to Rs.3,750 per insured person 20 lakhs to 1 crore: Annually covered up to Rs.5,000 per insured person |
Varient1 ( 2 to 4 Lakhs): once in every 2years Varient2 & Varient3: Once in every Year |
Available | |
| Hospital daily allowance | |||||
| Not covered | Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days | 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 | |
| Co-pay | |||||
| 20% co-pay above 60 years | 20% co-pay above 60 years | 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 | |
| Pre-existing diseases coverage | |||||
| Covered after 4 years of continuous coverage. | Covered after 4 years of continuous 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 | |
| Restore Benefit | |||||
| Not covered | Recharge 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 | |
| General waiting period | |||||
| 30 days | 30 days | 30 days | 30 days | 30 days | |
| Renewal Benefit / Cumulative Bonus | |||||
Covered(Optional) |
10% for every claim free year up to 50% of sum insured | 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%. | 20% on base sum insured for every claim free year and up to 100%. | |
| Emergency Air Ambulance | |||||
| Not covered | Covered (Optional) |
Gold - Not covered Platinum - covered up to sum insured |
Not covered | Not covered | |
| Available sum insured options | |||||
| 3 & 5 Lakhs | 3 to 75 Lakhs | 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 | |
| Policy can be purchased for | |||||
| 1/2/3 years | 1/2/3 years | 1/2 years | 1/2 years | 1/2/3 years | |
| Eligibility criteria | |||||
| Adults from 18 to 65 years (dependents 91 days to 17 years) | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | 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) | |
| Renewability | |||||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | |
| Daily Cash for Accompanying an Insured Child | |||||
| Not covered | 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. | |
| Claims loading | |||||
| No Loading | Loading | No Loading | No Loading | No Loading | |
| Portablity (At the time of renewal) |
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| 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 | |
| Useful Links | |||||
| Care | Niva Bupa | |
|---|---|---|
| Claims Settlement Ratio ** | 95.2 % | 85.96 % |
| Number of Lives Covered * | 1,07,13,000 | 54,33,000 |
| Network Hospitals | 16,500 + | 4,500 + |
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