Niva Bupa Health Insurance Senior First Platinum vs Care Health Insurance Enhance 1

Single private AC room is covered

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

Yes

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

.

Yes, your sum insured restores to 100% unlimited times after your first 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

10000+ Healthcare Providers

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

Your sum insured increases by 10% for every claim-free year, upto 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

.

Not Available

Yes

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

.

30 days.

30 days

2 years

2 years

2 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 Checkup is covered upto INR5000 per individual per policy year.

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: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L

Available coverage options: 20L to 1cr

90.10%

87.10%

Not Available

Not available