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

Single Private AC room covered

The shared Room is covered.

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic Surgery
2. Stem Cell Therapy
3. Organ Transplant
4. Cancer Treatment

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

20% for above 61 years unless waived by extra premium

Yes, 50%

Not Specifically mentioned

No

Not Available

Not Available.

8000+ Healthcare Providers

10000+ Healthcare Providers

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Not Available in the base plan but you can add a rider to avail

Not Available

Included within hospitalisation expenses.

Not Available

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

Covered

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not Stated

Not Available

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 tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included.

OPD expense is not included

Not Available

Available

Available coverage options:

Available coverage options: ₹5L, ₹10L

92.77%

90.10%

Not Available