Insurance Plans Comparison
Digit Arogya Sanjeevani vs Care Advantage
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Read moreArogya Sanjeevani
Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.
What Makes It Special:
Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...
Best For:
Buyers who want AYUSH and modern treatment cover
Buyers who do not need maternity or OPD cover
Families who want a floater with parents and children under one policy
Buyers who want basic in-patient cover at an affordable premium
First-time health insurance buyers
VS
Advantage
Get a sum insured of up to ₹1 crore with no room rent or ICU sub-limit, an automatic recharge once in a policy year, and a 10% no claim bonus that can grow to 50% of the sum insured.
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
Insurance Plans Comparison
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Quick Decision Guide
Call 1860-500-8888 to confirm room rent limits and the current network before buying.
Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.
The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.
A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.
Maternity is excluded, so choose another plan if you need it.
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Arogya Sanjeevani Health Insurance Plan VS VS |
Advantage Health Insurance Plan |
| Room Rent |
|---|
Arogya Sanjeevani
|
VS VS |
Advantage All room categories are covered |
| Advanced Treatments |
|---|
Arogya Sanjeevani
|
VS VS |
Advantage Information Unavailable |
| ICU Charges |
|---|
Arogya Sanjeevani Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888. |
VS VS |
Advantage No restriction on ICU room rent |
| Co-payment |
|---|
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount. |
VS VS |
Advantage Available as an option |
| Disease-wise sublimits |
|---|
Arogya Sanjeevani A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888. |
VS VS |
Advantage No |
| Cashless Healthcare Providers |
|---|
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India. |
VS VS |
Advantage 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
Arogya Sanjeevani Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital. |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| AYUSH Treatment |
|---|
Arogya Sanjeevani Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital. |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Advantage No. However, available as an add-on |
| Initial Waiting Period |
|---|
Arogya Sanjeevani 30 days from inception, except for accidents |
VS VS |
Advantage 30 days |
| Specific Waiting Period |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Advantage 2 years |
| PED Waiting Period |
|---|
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Advantage 3 years |
| Modern Treatment |
|---|
Arogya Sanjeevani Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule. |
VS VS |
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
| Pre-Hospitalisation |
|---|
Arogya Sanjeevani Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Arogya Sanjeevani Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits) |
VS VS |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Arogya Sanjeevani kindly refer to the policy wording. |
VS VS |
Advantage Available as an option |
| Coverage Options |
|---|
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range |
VS VS |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
Arogya Sanjeevani 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 VS |
Advantage 96% |
| Maternity Cover |
|---|
Arogya Sanjeevani Not covered. Maternity expenses are excluded. |
VS VS |
Advantage Not available |
Insurance Plans Comparison
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