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Insurance Plans Comparison

Digit Arogya Sanjeevani vs HDFC ERGO Health Wallet

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Digit

Arogya 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
HDFC ERGO

Health Wallet

Hospitalisation cover plus a carry-forward reserve for everyday medical costs

What Makes It Special:

Health Wallet pairs a conventional hospitalisation cover with a Reserve Benefit that behaves like a medical savings account inside the policy: unused amounts carry forward to the next policy year and earn a 6% bonus at renewal, the balance can be spent on outpatient and ordinarily non-payable costs such as...

Best For:

  • Families expecting to stay claim-free who want the Multiplier Benefit to double the basic sum insured over two years

  • Long-term policyholders who will stay beyond five renewals and want to use the accrued Reserve to pay up to half of their renewal premium

  • Buyers who already hold another health policy or a corporate cover and can take the optional deductible to reduce premium

  • People who dislike the idea of paying premiums with nothing to show for claim-free years, since the Reserve carries forward and earns a 6% bonus

  • Buyers who regularly spend on consultations, medicines, dental care, spectacles or diagnostics and want a policy that contributes to those costs, not only to hospitalisation

Insurance Plans Comparison

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Quick Decision Guide

Digit Arogya Sanjeevani

  • 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.

HDFC ERGO Health Wallet

  • Room rent, ICU limits, pre- and post-hospitalisation periods, day care cover in India and AYUSH are not stated in the available summary literature, so read the policy wording on those before buying.

  • A claim resets the Multiplier Benefit's progress, so if you expect to claim in the early years, do not size the sum insured on the assumption that it will double.

  • The preventive health check-up limit is tied to your Reserve Benefit rather than being a flat entitlement, so ask what limit applies at your chosen sum insured before counting on it.

  • The built-in Restore Benefit is narrow — once a policy year, only after the basic sum insured and Multiplier are fully exhausted, only for future claims, and not for an illness already claimed that year — so price the Unlimited Restore add-on if multiple claims are a realistic prospect.

  • The optional deductible cancels the Recovery Benefit, so if the ₹10,000 lump sum for a stay beyond 10 days matters to you, weigh it against the premium the deductible saves.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS
Health Wallet
Health Wallet

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
VS

Health Wallet

Normal: No Capping (Covered up to Sum Insured)

ICU: No Capping (Covered up to Sum Insured)

Advanced Treatments

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS

Health Wallet

Worldwide Emergency Treatment

Day Care Procedures

Preventive Health Check-Up

Unlimited Restore Add-On

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

Health Wallet

Not specified

Co-payment

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

VS

Health Wallet

None

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

Health Wallet

Not specified. Ambulance cover is limited to ₹2,000 per hospitalisation and the Recovery Benefit to a ₹10,000 lump sum

Cashless Healthcare Providers

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

VS

Health Wallet

14,000+ network hospitals across India

Restoration Benefit

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Health Wallet

Information Unavailable

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

Health Wallet

Covered

Cumulative Bonus

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Health Wallet

Multiplier Benefit — basic sum insured increases by 50% after a claim-free year and doubles after a second consecutive claim-free year. Separately, unused Reserve Benefit earns a 6% bonus at renewal

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

Health Wallet

Covered

Consumable Cover

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Health Wallet

Not covered as an indemnity benefit. The Reserve Benefit may instead be used to pay non-payable items generally excluded from a health insurance claim

Initial Waiting Period

Arogya Sanjeevani

30 days from inception, except for accidents

VS

Health Wallet

30 days

Specific Waiting Period

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Health Wallet

24 months for specified diseases including cataract, hernia, hysterectomy and joint replacement

PED Waiting Period

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

VS

Health Wallet

36 months

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

Health Wallet

Not specified

Annual Health Checkup

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Health Wallet

Preventive health check-up at renewal irrespective of claims; the check-up limit eligibility is based on the Reserve Benefit

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

Health Wallet

Not specified

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

Health Wallet

Not specified

Outpatient Department Cover (OPD Expense)

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

VS

Health Wallet

Not covered as a separate indemnity benefit. The Reserve Benefit can be used for outpatient costs including consultations with a medical practitioner, physiotherapist, dietician or speech therapist, medicines, vaccinations, dental expenses and outpatient diagnostic tests

Deductible Option

Arogya Sanjeevani

kindly refer to the policy wording.

VS

Health Wallet

Optional — applies on an individual basis for an individual sum insured policy and on a family floater basis for a floater policy; it does not reduce the sum insured. Choosing it removes the Recovery Benefit

Coverage Options

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

VS

Health Wallet

Information Unavailable

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

Health Wallet

97.45%

Maternity Cover

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

VS

Health Wallet

Not covered — expenses attributable directly or indirectly to pregnancy, including voluntary termination, and miscarriage except as a result of an accident or illness, are excluded

Insurance Plans Comparison

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Personalised Recommendations

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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