Insurance Plans Comparison
Niva Bupa GoActive vs Care Senior
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreGoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
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
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
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
GoActive Health Insurance Plan VS VS |
Senior Health Insurance Plan |
| Room Rent |
|---|
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
VS VS |
Senior Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan. |
| Advanced Treatments |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Senior Information Unavailable |
| ICU Charges |
|---|
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
VS VS |
Senior ICU charges are covered up to your sum insured during the policy period. |
| Co-payment |
|---|
GoActive No mandatory age-based co-payment mentioned |
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 |
|---|
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
VS VS |
Senior Yes, sublimits apply to specified diseases and treatments as per the policy terms. |
| Cashless Healthcare Providers |
|---|
GoActive 4,200+ Network Hospitals |
VS VS |
Senior 22,100+ cashless healthcare providers. |
| Restoration Benefit |
|---|
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
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 |
|---|
GoActive Covered up to Sum Insured |
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 |
|---|
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
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 |
|---|
GoActive Covered up to Sum Insured |
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 |
|---|
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
VS VS |
Senior Consumable expenses are not covered under the plan. |
| Initial Waiting Period |
|---|
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
VS VS |
Senior 30 days for illnesses, except injuries caused by an accident. |
| Specific Waiting Period |
|---|
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
VS VS |
Senior 2 years for specified named ailments. |
| PED Waiting Period |
|---|
GoActive 36 months |
VS VS |
Senior 3 years for pre-existing diseases. |
| Modern Treatment |
|---|
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
VS VS |
Senior Modern treatment methods are not covered under the plan. |
| Annual Health Checkup |
|---|
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
VS VS |
Senior Annual health check-up is available for all insured members. |
| Pre-Hospitalisation |
|---|
GoActive Up to 90 days before admission, within the sum insured |
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 |
|---|
GoActive Up to 180 days after discharge, within the sum insured |
VS VS |
Senior You get cover for medical expenses up to 180 days after discharge from the hospital. |
| Outpatient Department Cover (OPD Expense) |
|---|
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
VS VS |
Senior OPD expense is not included. |
| Deductible Option |
|---|
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
VS VS |
Senior Not available as a standard deductible option. |
| Coverage Options |
|---|
GoActive Information Unavailable |
VS VS |
Senior Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
| Claim Settlement Ratio |
|---|
GoActive 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 |
|---|
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
VS VS |
Senior Not available. |
Insurance Plans Comparison
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