Niva Bupa Health Insurance Senior First Platinum vs Care Health Insurance Heart

Single private AC 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

No

Yes

Yes

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

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

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

10000+ Healthcare Providers

21700+ Healthcare Providers

Your sum insured increases by 10% for every claim-free year, upto 100%

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

Not Available

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

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

Health Checkup is covered upto INR5000 per individual per policy year.

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, ₹15L, ₹20L, ₹25L

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

90.10%

87.10%

Not Available

Not available