How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

Oneassure

Health Insurance

Compare Health Insurance Plans

Arogya Sanjeevani Vs Health Premia Gold

Insurance Plans Comparison

Digit Arogya Sanjeevani vs Niva Bupa Health Premia Gold

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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

Health Premia Gold

Health Premia Gold offers ₹10-50 Lakh cover with 100% refill, 10% yearly loyalty additions, maternity cover and in-built single-trip travel insurance.

What Makes It Special:

Health Premia Gold is the mid-tier plan of Niva Bupa's Health Premia product. Along with hospitalisation up to Sum Insured (any room except suite), 90/180 days pre/post-hospitalisation and AYUSH cover, it adds LASER surgery cover and an in-built international cover of up to ₹30 Lakh for one trip of up...

Best For:

Extended families (Family First) wanting up to 19 relationships in one policy
Buyers who want a 100% refill plus 10% yearly loyalty additions regardless of claims
People who want LASER surgery and mental health cover included
Frequent-ish travellers who value in-built overseas emergency cover for one trip a year
Families wanting ₹10-50 Lakh cover with maternity and newborn benefits

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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.

Niva Bupa Health Premia Gold

Things to Consider: Domestic OPD cover and Second Medical Opinion are not included in Gold.
Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month waiting period.
Things to Consider: Non-payable items (consumables like gloves) need the paid Safeguard add-on.
Things to Consider: Choosing Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.
Things to Consider: Maternity cover is only for Family Floater / Family First policies and needs 24 months of continuous cover.
Reasons to Consider: In-built international cover (₹30 Lakh, one trip) and LASER surgery cover are included.
Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is just 12 months.
Reasons to Consider: Pre and post-hospitalisation are covered for 90 and 180 days.
Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.
Reasons to Consider: Loyalty Additions grow your cover by 10% of Base Sum Insured every year (up to 100%), even if you make a claim.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Arogya Sanjeevani Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.	Health Premia Gold Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken

Advanced Treatments
Arogya Sanjeevani Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.	Health Premia Gold Information Unavailable

Advanced Treatments

Arogya Sanjeevani

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

Health Premia Gold

Information Unavailable

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.	Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount.	Health Premia Gold No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

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.	Health Premia Gold No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event)

Cashless Healthcare Providers
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India.	Health Premia Gold Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Restoration Benefit
Arogya Sanjeevani Kindly refer to the policy wording.	Health Premia Gold Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

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.	Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Cumulative Bonus
Arogya Sanjeevani Kindly refer to the policy wording.	Health Premia Gold Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

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.	Health Premia Gold In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Consumable Cover
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.	Health Premia Gold Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

Initial Waiting Period
Arogya Sanjeevani 30 days from inception, except for accidents	Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
Arogya Sanjeevani Kindly refer to the policy wording.	Health Premia Gold 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.	Health Premia Gold 24 months of continuous cover

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.	Health Premia Gold Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.	Health Premia Gold Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500

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.	Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

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.	Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits)	Health Premia Gold Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans

Deductible Option
Arogya Sanjeevani kindly refer to the policy wording.	Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range	Health Premia Gold Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Coverage Options

Arogya Sanjeevani

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

Health Premia Gold

Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

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).	Health Premia Gold 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover
Arogya Sanjeevani Not covered. Maternity expenses are excluded.	Health Premia Gold Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Arogya Sanjeevani Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.
VS VS
Health Premia Gold Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken

Advanced Treatments
Arogya Sanjeevani Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS VS
Health Premia Gold Information Unavailable

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 VS
Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount.
VS VS
Health Premia Gold No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

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 VS
Health Premia Gold No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event)

Cashless Healthcare Providers
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India.
VS VS
Health Premia Gold Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Restoration Benefit
Arogya Sanjeevani Kindly refer to the policy wording.
VS VS
Health Premia Gold Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

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 VS
Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Cumulative Bonus
Arogya Sanjeevani Kindly refer to the policy wording.
VS VS
Health Premia Gold Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

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 VS
Health Premia Gold In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Consumable Cover
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.
VS VS
Health Premia Gold Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

Initial Waiting Period
Arogya Sanjeevani 30 days from inception, except for accidents
VS VS
Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
Arogya Sanjeevani Kindly refer to the policy wording.
VS VS
Health Premia Gold 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.
VS VS
Health Premia Gold 24 months of continuous cover

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 VS
Health Premia Gold Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.
VS VS
Health Premia Gold Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500

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 VS
Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

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 VS
Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits)
VS VS
Health Premia Gold Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans

Deductible Option
Arogya Sanjeevani kindly refer to the policy wording.
VS VS
Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range
VS VS
Health Premia Gold Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

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 VS
Health Premia Gold 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover
Arogya Sanjeevani Not covered. Maternity expenses are excluded.
VS VS
Health Premia Gold Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

Why Choose Our Expert Consultation?

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Explore Our Most Popular Plans

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

Tata AIG Medicare Select Plan

Niva Bupa Aspire Titanium Plus

Bajaj Allianz My Healthcare Plan

Star Health Women

Bajaj Allianz Health Ensure

Niva Bupa Health Companion

Care Health Ultimate

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

Compare With Other Health Insurance Plans

Arogya Sanjeevani vs Supreme Senior Premium

Arogya Sanjeevani vs Energy Silver Without Copay

Arogya Sanjeevani vs Ultimate

Arogya Sanjeevani vs EquiCover

Arogya Sanjeevani vs Optima Secure Global Plus

Arogya Sanjeevani vs Optima Secure

Arogya Sanjeevani vs Super Mediclaim

Arogya Sanjeevani vs Critical Illness Platinum Plan

Arogya Sanjeevani vs Health Recharge

Arogya Sanjeevani vs Golden Shield

Arogya Sanjeevani vs Optima Secure Plus

Arogya Sanjeevani vs Cancer Cover Activ Cancer Secure Plan

Arogya Sanjeevani vs LifeTime Health Global

Arogya Sanjeevani vs Women Care

Arogya Sanjeevani vs Aspire Diamond+

Arogya Sanjeevani vs Activate Booster Plan A

Arogya Sanjeevani vs myHealth Medisure Super Top-up

Arogya Sanjeevani vs Health Super Saver Standard

Arogya Sanjeevani vs Active Care Premier

Arogya Sanjeevani vs ProHealth Accumulate

Arogya Sanjeevani vs Health Booster SuperTopup Individual Adult 1 Year N

Arogya Sanjeevani vs Supreme Shine

Arogya Sanjeevani vs Health Shield 360 Retail

Arogya Sanjeevani vs Health Cardiac Care Silver & Gold Plan

Arogya Sanjeevani vs myHealth Suraksha Gold

Arogya Sanjeevani vs Max Protect Premium

Arogya Sanjeevani vs Elder Care

Arogya Sanjeevani vs Young Star Gold

Arogya Sanjeevani vs Assure

Arogya Sanjeevani vs Active Fit Plus

Arogya Sanjeevani vs Cancer Care Platinum

Arogya Sanjeevani vs Health Connect Elite

Arogya Sanjeevani vs OneHealth Premium

Arogya Sanjeevani vs ProHealth Prime Protect

Arogya Sanjeevani vs Optima Lite

Arogya Sanjeevani vs Medicare Plus

Arogya Sanjeevani vs Activ Health Platinum Essential

Arogya Sanjeevani vs GoActive

Arogya Sanjeevani vs Criti Shield Family Shield

Arogya Sanjeevani vs Medicare Senior

Arogya Sanjeevani vs Enhance Super Top-up Two

Arogya Sanjeevani vs Reassure 3.0

Arogya Sanjeevani vs Medicare Protect

Arogya Sanjeevani vs Health AdvantEdge Plus

Arogya Sanjeevani vs Activ One SAVR

Arogya Sanjeevani vs Active Assure Diamond

Arogya Sanjeevani vs Activ One VIP

Arogya Sanjeevani vs Health Pulse Classic

Arogya Sanjeevani vs Advantage

Arogya Sanjeevani vs Mediclaim Insurance Policy

Arogya Sanjeevani vs iHealth

Arogya Sanjeevani vs Special Care Gold

Arogya Sanjeevani vs Energy Gold Without Copay

Arogya Sanjeevani vs Activ One Max

Arogya Sanjeevani vs Smart Super Health

Arogya Sanjeevani vs Classic

Arogya Sanjeevani vs Activ One Vytl

Arogya Sanjeevani vs Supreme

Arogya Sanjeevani vs Freedom

Arogya Sanjeevani vs Sarvah Pratham

Arogya Sanjeevani vs Joy Today

Arogya Sanjeevani vs Medi Classic

Arogya Sanjeevani vs Activate Booster Plan B

Arogya Sanjeevani vs Aspire Gold+

Arogya Sanjeevani vs Health Gain

Arogya Sanjeevani vs Aspire Platinum+

Arogya Sanjeevani vs Plus Complete

Arogya Sanjeevani vs Health Companion Family First Plan

Arogya Sanjeevani vs Reassure 2.0 Platinum+

Arogya Sanjeevani vs Reassure 3.0 Elite

Arogya Sanjeevani vs Enhance Super Top-up One

Arogya Sanjeevani vs Joy Tomorrow

Arogya Sanjeevani vs Reassure 3.0 Select

Arogya Sanjeevani vs Activ One VIP+

Arogya Sanjeevani vs Red Carpet Senior Citizens

Arogya Sanjeevani vs Super Surplus Gold

Arogya Sanjeevani vs Health SuperCharge

Arogya Sanjeevani vs Health Elite Plus

Arogya Sanjeevani vs Medicare Premier

Arogya Sanjeevani vs Family Health Optima

Arogya Sanjeevani vs Health Companion Variant 2022

Arogya Sanjeevani vs Health Companion Variant 3

Arogya Sanjeevani vs Plus Youth

Arogya Sanjeevani vs ProHealth Prime Advantage

Arogya Sanjeevani vs Critical Illness Silver Plan

Arogya Sanjeevani vs Health Premia Gold

Arogya Sanjeevani vs Health Premia Platinum

Arogya Sanjeevani vs Comprehensive

Arogya Sanjeevani vs HeartBeat Enhanced

Arogya Sanjeevani vs Reassure

Arogya Sanjeevani vs Complete Health Insurance Health Shield Plus Plan

Arogya Sanjeevani vs myHealth Suraksha Platinum

Arogya Sanjeevani vs Health Recharge Super Top Up Plan

Arogya Sanjeevani vs Supreme Value for Money

Arogya Sanjeevani vs Supreme Enhance Two

Arogya Sanjeevani vs Supreme Senior Super

Arogya Sanjeevani vs Supreme Enhance

Arogya Sanjeevani vs Reassure 2.0 Gold

Arogya Sanjeevani vs Active Fit Preferred

Arogya Sanjeevani vs LifeTime Health

Arogya Sanjeevani vs Medicare

Arogya Sanjeevani vs ProHealth Prime Active

Arogya Sanjeevani vs ProHealth Prime Senior Elite

Arogya Sanjeevani vs Advanced Top Up

Arogya Sanjeevani vs Multiplier Health

Arogya Sanjeevani vs Ultimate (Direct)

Arogya Sanjeevani vs Young Star

Arogya Sanjeevani vs Star Women Care Policy

Arogya Sanjeevani vs Health Assurance

Arogya Sanjeevani vs Family Plus

Arogya Sanjeevani vs Sarvah Param

Arogya Sanjeevani vs Optima Insurance

Arogya Sanjeevani vs Smart Super Health Assure

Arogya Sanjeevani vs Criti Shield Plus

Arogya Sanjeevani vs Health Care Supreme Ultimo

Arogya Sanjeevani vs Super Star

Arogya Sanjeevani vs Reassure 3.0 Black

Arogya Sanjeevani vs Health Guard Platinum

Arogya Sanjeevani vs Health Guard Gold

Arogya Sanjeevani vs Elevate (Direct)

Arogya Sanjeevani vs Senior First Platinum

Arogya Sanjeevani vs Extra Care Plus Super Top-up

Arogya Sanjeevani vs Health Care Supreme Smart

Arogya Sanjeevani vs Medi Classic Gold

Arogya Sanjeevani vs Smart Health Pro

Arogya Sanjeevani vs Optima Super Secure

Arogya Sanjeevani vs Optima Secure Global

Arogya Sanjeevani vs Special Care

Arogya Sanjeevani vs Medicare LITE

Arogya Sanjeevani vs NextGen

Arogya Sanjeevani vs Health Shield 360

Arogya Sanjeevani vs SecureHealth

Arogya Sanjeevani vs Energy Silver With Copay

Arogya Sanjeevani vs Supreme (Direct)

Arogya Sanjeevani vs Plus

Arogya Sanjeevani vs Medicare Select

Arogya Sanjeevani vs Complete Health Insurance Health Protect Plus Plan

Arogya Sanjeevani vs myHealth Koti Suraksha

Arogya Sanjeevani vs Senior

Arogya Sanjeevani vs myHealth Suraksha Silver

Arogya Sanjeevani vs Health Booster

Arogya Sanjeevani vs Complete Health Insurance Health Shield

Arogya Sanjeevani vs Cardiac Care Platinum

Arogya Sanjeevani vs Royal Sundaram Lifeline Elite

Arogya Sanjeevani vs HeartBeat Platinum

Arogya Sanjeevani vs Supreme Enhance One

Arogya Sanjeevani vs HeartBeat Gold

Arogya Sanjeevani vs Health Companion Variant 2

Arogya Sanjeevani vs Health Companion Variant 1

Arogya Sanjeevani vs Aspire Titanium+

Arogya Sanjeevani vs iHealth Plus

Arogya Sanjeevani vs Reassure 3.0 Classic

Arogya Sanjeevani vs Senior Health Advantage

Arogya Sanjeevani vs Health Wallet

Arogya Sanjeevani vs Elevate

Arogya Sanjeevani vs Heart

Arogya Sanjeevani vs Reassure 2.0 Titanium+

Arogya Sanjeevani vs Diabetes Safe Plan A

Arogya Sanjeevani vs Reassure 2.0 Bronze+

Arogya Sanjeevani vs Young Star Silver

Arogya Sanjeevani vs Enhance Super Top-up

Arogya Sanjeevani vs Joy

Arogya Sanjeevani vs Health Elite

Arogya Sanjeevani vs Supreme Senior Health AdvantEdge

Arogya Sanjeevani vs Health AdvantEdge

Arogya Sanjeevani vs Supreme Super Saver

Arogya Sanjeevani vs Health Insurance Platinum

Arogya Sanjeevani vs Supreme Senior Premium

Arogya Sanjeevani vs Energy Silver Without Copay

Arogya Sanjeevani vs Ultimate

Arogya Sanjeevani vs EquiCover

Arogya Sanjeevani vs Optima Secure Global Plus

Health Premia Gold vs Supreme Senior Premium

Health Premia Gold vs Energy Silver Without Copay

Health Premia Gold vs Ultimate

Health Premia Gold vs EquiCover

Health Premia Gold vs Optima Secure Global Plus

Health Premia Gold vs Optima Secure

Health Premia Gold vs Super Mediclaim

Health Premia Gold vs Critical Illness Platinum Plan

Health Premia Gold vs Health Recharge

Health Premia Gold vs Golden Shield

Health Premia Gold vs Optima Secure Plus

Health Premia Gold vs Cancer Cover Activ Cancer Secure Plan

Health Premia Gold vs LifeTime Health Global

Health Premia Gold vs Women Care

Health Premia Gold vs Aspire Diamond+

Health Premia Gold vs Activate Booster Plan A

Health Premia Gold vs myHealth Medisure Super Top-up

Health Premia Gold vs Health Super Saver Standard

Health Premia Gold vs Active Care Premier

Health Premia Gold vs ProHealth Accumulate

Health Premia Gold vs Health Booster SuperTopup Individual Adult 1 Year N

Health Premia Gold vs Supreme Shine

Health Premia Gold vs Health Shield 360 Retail

Health Premia Gold vs Health Cardiac Care Silver & Gold Plan

Health Premia Gold vs myHealth Suraksha Gold

Health Premia Gold vs Max Protect Premium

Health Premia Gold vs Elder Care

Health Premia Gold vs Young Star Gold

Health Premia Gold vs Assure

Health Premia Gold vs Active Fit Plus

Health Premia Gold vs Cancer Care Platinum

Health Premia Gold vs Health Connect Elite

Health Premia Gold vs Arogya Sanjeevani

Health Premia Gold vs OneHealth Premium

Health Premia Gold vs ProHealth Prime Protect

Health Premia Gold vs Optima Lite

Health Premia Gold vs Medicare Plus

Health Premia Gold vs Activ Health Platinum Essential

Health Premia Gold vs GoActive

Health Premia Gold vs Criti Shield Family Shield

Health Premia Gold vs Medicare Senior

Health Premia Gold vs Enhance Super Top-up Two

Health Premia Gold vs Reassure 3.0

Health Premia Gold vs Medicare Protect

Health Premia Gold vs Health AdvantEdge Plus

Health Premia Gold vs Activ One SAVR

Health Premia Gold vs Active Assure Diamond

Health Premia Gold vs Activ One VIP

Health Premia Gold vs Health Pulse Classic

Health Premia Gold vs Advantage

Health Premia Gold vs Mediclaim Insurance Policy

Health Premia Gold vs iHealth

Health Premia Gold vs Special Care Gold

Health Premia Gold vs Energy Gold Without Copay

Health Premia Gold vs Activ One Max

Health Premia Gold vs Smart Super Health

Health Premia Gold vs Classic

Health Premia Gold vs Activ One Vytl

Health Premia Gold vs Supreme

Health Premia Gold vs Freedom

Health Premia Gold vs Sarvah Pratham

Health Premia Gold vs Joy Today

Health Premia Gold vs Medi Classic

Health Premia Gold vs Activate Booster Plan B

Health Premia Gold vs Aspire Gold+

Health Premia Gold vs Health Gain

Health Premia Gold vs Aspire Platinum+

Health Premia Gold vs Plus Complete

Health Premia Gold vs Health Companion Family First Plan

Health Premia Gold vs Reassure 2.0 Platinum+

Health Premia Gold vs Reassure 3.0 Elite

Health Premia Gold vs Enhance Super Top-up One

Health Premia Gold vs Joy Tomorrow

Health Premia Gold vs Reassure 3.0 Select

Health Premia Gold vs Activ One VIP+

Health Premia Gold vs Red Carpet Senior Citizens

Health Premia Gold vs Super Surplus Gold

Health Premia Gold vs Health SuperCharge

Health Premia Gold vs Health Elite Plus

Health Premia Gold vs Medicare Premier

Health Premia Gold vs Family Health Optima

Health Premia Gold vs Health Companion Variant 2022

Health Premia Gold vs Health Companion Variant 3

Health Premia Gold vs Plus Youth

Health Premia Gold vs ProHealth Prime Advantage

Health Premia Gold vs Critical Illness Silver Plan

Health Premia Gold vs Health Premia Platinum

Health Premia Gold vs Comprehensive

Health Premia Gold vs HeartBeat Enhanced

Health Premia Gold vs Reassure

Health Premia Gold vs Complete Health Insurance Health Shield Plus Plan

Health Premia Gold vs myHealth Suraksha Platinum

Health Premia Gold vs Health Recharge Super Top Up Plan

Health Premia Gold vs Supreme Value for Money

Health Premia Gold vs Supreme Enhance Two

Health Premia Gold vs Supreme Senior Super

Health Premia Gold vs Supreme Enhance

Health Premia Gold vs Reassure 2.0 Gold

Health Premia Gold vs Active Fit Preferred

Health Premia Gold vs LifeTime Health

Health Premia Gold vs Medicare

Health Premia Gold vs ProHealth Prime Active

Health Premia Gold vs ProHealth Prime Senior Elite

Health Premia Gold vs Advanced Top Up

Health Premia Gold vs Multiplier Health

Health Premia Gold vs Ultimate (Direct)

Health Premia Gold vs Young Star

Health Premia Gold vs Star Women Care Policy

Health Premia Gold vs Health Assurance

Health Premia Gold vs Family Plus

Health Premia Gold vs Sarvah Param

Health Premia Gold vs Optima Insurance

Health Premia Gold vs Smart Super Health Assure

Health Premia Gold vs Criti Shield Plus

Health Premia Gold vs Health Care Supreme Ultimo

Health Premia Gold vs Super Star

Health Premia Gold vs Reassure 3.0 Black

Health Premia Gold vs Health Guard Platinum

Health Premia Gold vs Health Guard Gold

Health Premia Gold vs Elevate (Direct)

Health Premia Gold vs Senior First Platinum

Health Premia Gold vs Extra Care Plus Super Top-up

Health Premia Gold vs Health Care Supreme Smart

Health Premia Gold vs Medi Classic Gold

Health Premia Gold vs Smart Health Pro

Health Premia Gold vs Optima Super Secure

Health Premia Gold vs Optima Secure Global

Health Premia Gold vs Special Care

Health Premia Gold vs Medicare LITE

Health Premia Gold vs NextGen

Health Premia Gold vs Health Shield 360

Health Premia Gold vs SecureHealth

Health Premia Gold vs Energy Silver With Copay

Health Premia Gold vs Supreme (Direct)

Health Premia Gold vs Plus

Health Premia Gold vs Medicare Select

Health Premia Gold vs Complete Health Insurance Health Protect Plus Plan

Health Premia Gold vs myHealth Koti Suraksha

Health Premia Gold vs Senior

Health Premia Gold vs myHealth Suraksha Silver

Health Premia Gold vs Health Booster

Health Premia Gold vs Complete Health Insurance Health Shield

Health Premia Gold vs Cardiac Care Platinum

Health Premia Gold vs Royal Sundaram Lifeline Elite

Health Premia Gold vs HeartBeat Platinum

Health Premia Gold vs Supreme Enhance One

Health Premia Gold vs HeartBeat Gold

Health Premia Gold vs Health Companion Variant 2

Health Premia Gold vs Health Companion Variant 1

Health Premia Gold vs Aspire Titanium+

Health Premia Gold vs iHealth Plus

Health Premia Gold vs Reassure 3.0 Classic

Health Premia Gold vs Senior Health Advantage

Health Premia Gold vs Health Wallet

Health Premia Gold vs Elevate

Health Premia Gold vs Heart

Health Premia Gold vs Reassure 2.0 Titanium+

Health Premia Gold vs Diabetes Safe Plan A

Health Premia Gold vs Reassure 2.0 Bronze+

Health Premia Gold vs Young Star Silver

Health Premia Gold vs Enhance Super Top-up

Health Premia Gold vs Joy

Health Premia Gold vs Health Elite

Health Premia Gold vs Supreme Senior Health AdvantEdge

Health Premia Gold vs Health AdvantEdge

Health Premia Gold vs Supreme Super Saver

Health Premia Gold vs Health Insurance Platinum

Health Premia Gold vs Supreme Senior Premium

Health Premia Gold vs Energy Silver Without Copay

Health Premia Gold vs Ultimate

Health Premia Gold vs EquiCover

Health Premia Gold vs Optima Secure Global Plus

Related Blogs

Joseph Vijay Announces ₹25 Lakh Health Insurance in Tamil Nadu: What Residents Need to Know

October 26, 2026 | Jaison F Joy

Diwali Emergencies and Health Insurance: Are You Covered for Unexpected Hospital Bills?

October 26, 2026 | Jaison F Joy

What Is IRDAI? What Does IRDAI Do for Insurance in India?

October 7, 2026 | Jaison F Joy

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Joseph Vijay Announces ₹25 Lakh Health Insurance in Tamil Nadu: What Residents Need to Know

October 26, 2026 | Jaison F Joy

Diwali Emergencies and Health Insurance: Are You Covered for Unexpected Hospital Bills?

October 26, 2026 | Jaison F Joy

What Is IRDAI? What Does IRDAI Do for Insurance in India?

October 7, 2026 | Jaison F Joy

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Oneassure

Health Insurance

Compare Health Insurance Plans

Arogya Sanjeevani Vs Health Premia Gold