Niva Bupa Health Insurance Health Recharge Super Top Up Plan vs Care Health Insurance Heart

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

Up to ₹3 L sum insured – 1% of Sum Insured per day

No restriction on ICU room rent

Up to ₹3 L sum insured – 2% of Sum Insured per day

No

Yes

Not Available

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Not Available

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

21700+ Healthcare Providers

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

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

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

No. However, available as an add-on

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

2 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 30 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 60 days after discharge, including physiotherapy if your doctor prescribes it

OPD expenses are covered

OPD expense is not included

Available

Not available

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

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

10000+ Healthcare Providers

87.10%

Not Available

Not available