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Insurance Plans Comparison

Niva Bupa Health Assurance vs Aditya Birla Cancer Cover Activ Cancer Secure Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Niva Bupa

Health Assurance

Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.

What Makes It Special:

Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.

Best For:

  • Buyers who want lifelong renewal on all three covers

  • Parents who want child education benefits paid on an accidental death or permanent disability of the proposer

  • Working adults who want accident death, disability and income-loss cover

  • Buyers who want daily cash to cover incidental costs during a hospital stay

  • Families who want a lump sum if a listed critical illness is diagnosed

VS
Aditya Birla

Cancer Cover Activ Cancer Secure Plan

Get a lump-sum cancer payout by stage: 50% of the sum insured for early cancer, up to ₹10 lakh, the full sum insured for major cancer, and 150% for advanced cancer, after you survive 7 days.

What Makes It Special:

Cancer Cover focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Niva Bupa Health Assurance

  • The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.

  • Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.

  • AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.

  • HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.

  • CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.

Aditya Birla Cancer Cover Activ Cancer Secure Plan

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Assurance
Health Assurance

Health Insurance Plan

Brochure

Policy Wording

VS
Cancer Cover Activ Cancer Secure Plan
Cancer Cover Activ Cancer Secure Plan

Health Insurance Plan

Room Rent

Health Assurance

Normal: Covered up to Sum Insured

ICU: Covered up to Sum Insured

VS

Cancer Cover Activ Cancer Secure Plan

  1. Normal Room Rent: Covered up to a specified limit or as per policy terms.
  2. ICU Charges: Covered up to a defined limit or as per actuals, depending on the plan.
Advanced Treatments

Health Assurance

Modern Treatments covered up to Sum Insured

VS

Cancer Cover Activ Cancer Secure Plan

The plan covers Targeted Therapy, Immunotherapy, Proton Therapy, Robotic Surgery, and Bone Marrow Transplant, ensuring advanced cancer treatments with precision, faster recovery, and financial support for critical procedures like radiation, immune-boosting, and transplants.

 

ICU Charges

Health Assurance

Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Co-payment

Health Assurance

Optional co-payment available

VS

Cancer Cover Activ Cancer Secure Plan

Copayment percentage varies based on age, sum insured, and treatment type.

Waiting Period

Health Assurance

Information Unavailable

VS

Cancer Cover Activ Cancer Secure Plan

  1. Initial Waiting Period: 30 days from policy inception, except for accidental claims.
  2. Specific Disease Waiting Period: Certain illnesses may have a waiting period of 24 months.
  3. Pre-Existing Disease Waiting Period: Coverage for pre-existing conditions begins after 48 months from policy start.
Cashless Healthcare Providers

Health Assurance

10,000+ Network Hospitals

VS

Cancer Cover Activ Cancer Secure Plan

24800+ network hospitals

Daycare Treatment

Health Assurance

Covered

VS

Cancer Cover Activ Cancer Secure Plan

Covered under the policy

Cumulative Bonus

Health Assurance

AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

AYUSH Treatment

Health Assurance

Covered up to Sum Insured

VS

Cancer Cover Activ Cancer Secure Plan

AYUSH treatment covered under this policy

Consumable Cover

Health Assurance

Please refer to the policy wording.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Initial Waiting Period

Health Assurance

CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Specific Waiting Period

Health Assurance

HospiCash only: 24 months for 17 listed conditions and procedures

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

PED Waiting Period

Health Assurance

36 months for CritiCare and HospiCash

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Modern Treatment

Health Assurance

Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Annual Health Checkup

Health Assurance

Kindly refer to the policy wording.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Post-Hospitalisation

Health Assurance

Kindly refer to policy wording.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health Assurance

Not covered.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Deductible Option

Health Assurance

Kindly refer to the policy wording.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Coverage Options

Health Assurance

AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash).

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Claim Settlement Ratio

Health Assurance

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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