Niva Bupa Health Insurance Senior First Gold Plan vs Care Health Insurance Heart

The shared Room is covered.

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

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Yes, 50%

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

No

Yes

10000+ Healthcare Providers

21700+ Healthcare Providers

Not Available.

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

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

Not Available

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 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

Not Available

No. However, available as an add-on

30 days.

30 days

2 years

2 years

2 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 180 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 expense is not included

OPD expense is not included

Available

Not available

Available coverage options: ₹5L, ₹10L

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

90.10%

87.10%

Not Available

Not available