Niva Bupa Health Insurance Senior First Gold Plan vs Care Health Insurance Enhance 2

The shared Room is covered.

1. Normal: Single private room
2. ICU: No Limit

No restriction on ICU room rent

No restriction on ICU room rent

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

1. Robotic Surgery
2. Proton Beam Therapy
3. Cyber Knife Treatment
4. Stem Cell Therapy 
5. Targeted and Immunotherapy 
6. Artificial Organs & Implants

Yes, 50%

Only applicable for people above the age of 61.

No

No

10000+ Healthcare Providers

24800+ network hospitals across India.

Not Available.

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

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

Covered under the policy

Not Available

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

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

AYUSH treatment covered under this policy

Not Available

Yes

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

Not Available

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

Available coverage options: 20L to 1cr

90.10%

87.10%

Not Available

Not available