Niva Bupa Health Insurance Health Recharge Super Top Up Plan vs Aditya Birla Health Insurance Vytl

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Not Available

Available as an option

Not Available

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

11000+ Healthcare Providers

Your sum insured increases by 5% every year, maximum up to 50%

Your sum insured increases by 50% every year up to 100%, maximum 3cr

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Yes

Yes 

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

30 days.

30 days

2 years

2 years

3 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not Available

Health check-up is available from the first policy year

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expenses are covered

OPD expense is not included

Available

Available as an option

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

10000+ Healthcare Providers

93.70%

Not Available

Not available