Insurance Plans Comparison
Digit Arogya Sanjeevani vs Care Senior
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreArogya 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
VS
Senior
Health Insurance for Senior Citizens 60+ with Lifelong Renewability
What Makes It Special:
Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.
Best For:
Customers wanting automatic recharge protection
Families covering elderly parents
Elderly individuals seeking senior-specific health screening benefits
Buyers looking for health insurance with no upper entry age cap
Senior citizens aged 60 and above
Insurance Plans Comparison
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Quick Decision Guide
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.
Senior health screening included
Inbuilt 1-time automatic sum insured recharge
Includes a mandatory 20% co-payment per claim
Pre-existing disease waiting period is 48 months (or 24 months based on option)
Entry starts from age 60 with no maximum entry age limit
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Arogya Sanjeevani Health Insurance Plan VS VS |
Senior Health Insurance Plan |
| Room Rent |
|---|
Arogya Sanjeevani
|
VS VS |
Senior Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan. |
| Advanced Treatments |
|---|
Arogya Sanjeevani
|
VS VS |
Senior Information Unavailable |
| ICU Charges |
|---|
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. |
VS VS |
Senior ICU charges are covered up to your sum insured during the policy period. |
| Co-payment |
|---|
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount. |
VS VS |
Senior 20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals. |
| Disease-wise sublimits |
|---|
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. |
VS VS |
Senior Yes, sublimits apply to specified diseases and treatments as per the policy terms. |
| Cashless Healthcare Providers |
|---|
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India. |
VS VS |
Senior 22,100+ cashless healthcare providers. |
| Restoration Benefit |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Senior Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses. |
| Daycare Treatment |
|---|
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. |
VS VS |
Senior Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured. |
| Cumulative Bonus |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Senior Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured. |
| AYUSH Treatment |
|---|
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. |
VS VS |
Senior Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility. |
| Consumable Cover |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Senior Consumable expenses are not covered under the plan. |
| Initial Waiting Period |
|---|
Arogya Sanjeevani 30 days from inception, except for accidents |
VS VS |
Senior 30 days for illnesses, except injuries caused by an accident. |
| Specific Waiting Period |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Senior 2 years for specified named ailments. |
| PED Waiting Period |
|---|
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Senior 3 years for pre-existing diseases. |
| Modern Treatment |
|---|
Arogya Sanjeevani Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule. |
VS VS |
Senior Modern treatment methods are not covered under the plan. |
| Annual Health Checkup |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Senior Annual health check-up is available for all insured members. |
| Pre-Hospitalisation |
|---|
Arogya Sanjeevani Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Senior You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible. |
| Post-Hospitalisation |
|---|
Arogya Sanjeevani Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Senior You get cover for medical expenses up to 180 days after discharge from the hospital. |
| Outpatient Department Cover (OPD Expense) |
|---|
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits) |
VS VS |
Senior OPD expense is not included. |
| Deductible Option |
|---|
Arogya Sanjeevani kindly refer to the policy wording. |
VS VS |
Senior Not available as a standard deductible option. |
| Coverage Options |
|---|
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range |
VS VS |
Senior Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
| Claim Settlement Ratio |
|---|
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). |
VS VS |
Senior 96.74% for FY 2024-25. |
| Maternity Cover |
|---|
Arogya Sanjeevani Not covered. Maternity expenses are excluded. |
VS VS |
Senior Not available. |
Insurance Plans Comparison
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