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Insurance Plans Comparison

Care Senior Health Advantage vs Digit Arogya Sanjeevani

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Senior Health Advantage

Affordable senior citizen health insurance with hospitalisation cover, annual health check-ups, AYUSH treatment and a no-claim bonus, subject to policy terms.

What Makes It Special:

Senior Health Advantage is a health insurance plan designed for people aged 60 and above. It provides eligible hospitalisation and daycare cover, pre- and post-hospitalisation benefits, AYUSH treatment, domiciliary hospitalisation and organ donor cover. Waiting periods, co-payment provisions and disease-specific sub-limits apply.

Best For:

  • Families looking to insure eligible senior members under individual or family floater cover.

  • People who want cover for eligible AYUSH and domiciliary hospitalisation.

  • Seniors seeking annual health check-ups and general physician e-consultations.

  • Individuals who want hospitalisation and eligible daycare treatment cover.

  • Senior citizens aged 60 and above looking for health insurance.

VS
Digit

Arogya 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

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Confirm whether any optional benefits you need are available and included in the policy schedule.

  • Review room eligibility, ICU limits and disease-specific sub-limits.

  • Check the 30-day initial waiting period, 24-month named-ailment waiting period and current PED waiting period.

  • Review the age-based co-payment, including the additional co-payment after age 70.

  • Compare the available sum insured options with likely medical expenses and your budget.

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Senior Health Advantage
Senior Health Advantage

Health Insurance Plan

Brochure

VS
Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

Room Rent

Senior Health Advantage

The uploaded brochure specifies a twin-sharing room. Check the current policy schedule for the applicable room category and any optional modification.

VS

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
ICU Charges

Senior Health Advantage

The uploaded brochure specifies ICU charges up to 2% of the sum insured per day. Confirm the applicable limit in the current policy schedule.

VS

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.

Advanced Treatments

Senior Health Advantage

Information Unavailable

VS

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
Co-payment

Senior Health Advantage

The current official page specifies 50% co-payment on claims up to age 70 and an additional 10% co-payment on claims after age 70. Confirm the exact age-based application in the current policy wording.

VS

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

Disease-wise sublimits

Senior Health Advantage

The uploaded brochure lists limits for cataract, total knee replacement, cerebrovascular and cardiovascular diseases, cancer including chemotherapy/radiotherapy, medical renal diseases including dialysis, and long-bone fractures. See the disease-limit table below.

VS

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.

Cashless Healthcare Providers

Senior Health Advantage

Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy terms. The insurer currently advertises a network of 22,100+ cashless healthcare providers; verify the latest figure before publishing.

VS

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

Restoration Benefit

Senior Health Advantage

The uploaded March 2024 brochure does not establish unlimited automatic recharge as a base benefit. The current product page describes a one-time 100% sum insured recharge per policy year. Do not label it unlimited without confirmation in the current wording.

VS

Arogya Sanjeevani

Kindly refer to the policy wording.

Cumulative Bonus

Senior Health Advantage

No Claim Bonus increases the sum insured by 10% for each claim-free year, up to a maximum of 50% of the sum insured, subject to policy terms.

VS

Arogya Sanjeevani

Kindly refer to the policy wording.

Daycare Treatment

Senior Health Advantage

Eligible daycare procedures are covered, subject to policy terms and the applicable list of procedures.

VS

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​.

Consumable Cover

Senior Health Advantage

A separate comprehensive consumables cover is not established as a standard benefit in the reviewed brochure or current product summary.

VS

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

AYUSH Treatment

Senior Health Advantage

Eligible AYUSH treatment is covered up to the sum insured, subject to the policy terms.

VS

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​.

Initial Waiting Period

Senior Health Advantage

30 days for illnesses, except accidental injuries, subject to policy terms.

VS

Arogya Sanjeevani

30 days from inception, except for accidents

Specific Waiting Period

Senior Health Advantage

24 months of continuous coverage for named ailments and procedures, subject to the policy wording.

VS

Arogya Sanjeevani

Kindly refer to the policy wording.

PED Waiting Period

Senior Health Advantage

The current official product page specifies 24 months of continuous coverage for pre-existing diseases. The uploaded March 2024 brochure specifies 24 months as well.

VS

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

Modern Treatment

Senior Health Advantage

Advanced technology treatments are covered subject to the applicable treatment-specific sub-limits and policy terms.

VS

Arogya Sanjeevani

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

Annual Health Checkup

Senior Health Advantage

Available from Day 1 for all insured members according to the uploaded brochure. The brochure lists complete blood count with ESR, urine routine, blood group, fasting blood sugar, lipid profile, kidney function test and ECG. The current policy schedule governs the applicable benefit.

VS

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

Pre-Hospitalisation

Senior Health Advantage

The uploaded brochure specifies eligible pre-hospitalisation medical expenses for 30 days before admission.

VS

Arogya Sanjeevani

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

Post-Hospitalisation

Senior Health Advantage

The uploaded brochure specifies eligible post-hospitalisation medical expenses for 60 days after discharge. Confirm the applicable limits in the current policy schedule.

VS

Arogya Sanjeevani

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

Outpatient Department Cover (OPD Expense)

Senior Health Advantage

Regular OPD treatment is not established as an unconditional base benefit in the reviewed brochure. The insurer’s broader senior-health offering lists optional OPD benefits; check the selected policy schedule for availability.

VS

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

Deductible Option

Senior Health Advantage

A deductible option is not identified in the uploaded brochure’s base-benefit table. Confirm whether it is available under the current selected policy configuration.

VS

Arogya Sanjeevani

kindly refer to the policy wording.

Coverage Options

Senior Health Advantage

Individual cover for up to 6 members aged 60 or above, or a family floater for 2 adults, subject to the policy’s eligibility rules.

VS

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

Claim Settlement Ratio

Senior Health Advantage

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year. This is not a product-specific ratio or a guarantee of claim approval.

VS

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).

Maternity Cover

Senior Health Advantage

Maternity and childbirth cover is not listed as a standard benefit in the reviewed brochure.

VS

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

Insurance Plans Comparison

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Explore Insurance Category

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  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

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Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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Senior Health Advantage Vs Arogya Sanjeevani

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