Niva Bupa Health Insurance Health Companion Variant 2022 vs Care Health Insurance Enhance 1

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

1. Normal:  No limit on room rent.
2. ICU: No limit on ICU charges.

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic surgery
2. Stem cell therapy
3. Deep brain stimulation
4. Immunotherapy
5. Monoclonal antibody injections
6. Oral chemotherapy
7. Intra-vitreal injections
8. Balloon Sinuplasty.

No

No

Not Available

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

.

11000+ Healthcare Providers

Access to 24,800+ network hospitals for cashless treatment.

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

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Your sum insured increases by 20% for every claim-free year, up to 100%

Your sum insured increases by 10% every year, maximum up to 100%

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

.

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

.

No. However, available as an add-on

Yes

30 days.

30 days

2 years

2 years

3 years

3 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 check-up is available once every policy year, from day 1 of the policy

Health check-up is available once every policy year, from day 1 of the policy

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 60 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 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included

Available

Available

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

Available coverage options: 20L to 1cr

90.10%

87.10%

Not Available

Not available