Insurance Plans Comparison
HDFC ERGO EquiCover vs Niva Bupa GoActive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEquiCover
Get inpatient hospitalisation for a certified disability or for people living with HIV/AIDS, excluding anti-retroviral treatment, plus AYUSH care up to the sum insured and a 20% co-pay on every claim.
What Makes It Special:
EquiCover is an indemnity health insurance product specifically filed for applicants who are routinely declined or heavily loaded on standard plans: persons certified with not less than 40% of a specified disability under the Rights of Persons with Disabilities Act 2016 or the Mental Healthcare Act 2017, and individuals with...
Best For:
Families covering a dependent child with a certified disability, since children can be enrolled on an individual policy of their own
Buyers who want a first layer of hospitalisation cover and are willing to pay extra to remove the standard 20% co-payment
Applicants with one of the 21 listed disabilities — including blindness, locomotor disability, thalassemia, haemophilia, sickle cell disease, autism spectrum disorder, cerebral palsy, mental illness and Parkinson's disease
Individuals living with HIV/AIDS seeking in-patient hospitalisation cover for medical conditions generally
Persons holding a disability certificate for not less than 40% of a specified disability from a government-appointed medical board, who cannot obtain standard health cover
VS
GoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
Insurance Plans Comparison
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Quick Decision Guide
If you are being covered for HIV/AIDS, note that antiretroviral treatment costs are excluded, so budget for that medication separately.
A disability certificate from a government-appointed medical board is a condition precedent to the disability cover, so obtain and keep it before applying.
The sum insured is limited to ₹4 lakh or ₹5 lakh, so treat this as a base layer and consider whether a separate top-up or group cover is available to you for larger claims.
Room rent is capped at 1% of sum insured per day and ICU at 2%, which on a ₹5 lakh cover is ₹5,000 and ₹10,000 a day, so check those limits against room rates at the hospitals you would use.
Price the optional co-payment waiver before buying, because without it you bear 20% of every admissible claim — ₹1 lakh on a ₹5 lakh claim at the maximum sum insured.
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() EquiCover Health Insurance Plan VS VS |
GoActive Health Insurance Plan |
| Room Rent |
|---|
EquiCover Normal: Up to 1% of Sum Insured per day ICU: Up to 2% of Sum Insured per day |
VS VS |
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
| ICU Charges |
|---|
EquiCover Up to 2% of Sum Insured per day |
VS VS |
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
| Advanced Treatments |
|---|
EquiCover Uterine Artery Embolization (UAE) HIFU (High Intensity Focused Ultrasound) Balloon Sinuplasty Deep Brain Stimulation Oral Chemotherapy Immunotherapy (Monoclonal Antibody Injection) Intra Vitreal Injections Robotic Surgeries Stereotactic Radio Surgeries Bronchial Thermoplasty Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Hematopoietic Stem Cell Therapy for Bone Marrow Transplant |
VS VS |
GoActive Covered up to Sum Insured |
| Co-payment |
|---|
EquiCover 20% Co-payment on every admissible claim |
VS VS |
GoActive No mandatory age-based co-payment mentioned |
| Disease-wise sublimits |
|---|
EquiCover Yes — cataract treatment limited to ₹40,000 per eye per policy year; modern treatment capped at 50% of Sum Insured; emergency ground ambulance limited to ₹2,000 per hospitalisation |
VS VS |
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
| Waiting Period |
|---|
EquiCover Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period:
Specific Disease/Procedure Waiting Period: 24 Months |
VS VS |
GoActive Information Unavailable |
| Cashless Healthcare Providers |
|---|
EquiCover Cashless treatment available through network providers |
VS VS |
GoActive 4,200+ Network Hospitals |
| Restoration Benefit |
|---|
EquiCover Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document |
VS VS |
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
| Daycare Treatment |
|---|
EquiCover Covered |
VS VS |
GoActive Covered up to Sum Insured |
| Cumulative Bonus |
|---|
EquiCover Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document |
VS VS |
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
| Consumable Cover |
|---|
EquiCover Not specified |
VS VS |
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
| AYUSH Treatment |
|---|
EquiCover Covered up to 100% of Sum Insured |
VS VS |
GoActive Covered up to Sum Insured |
| Initial Waiting Period |
|---|
EquiCover 30 days for all claims except those resulting from an accident; not applicable after twelve months of continuous coverage |
VS VS |
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
| Specific Waiting Period |
|---|
EquiCover 24 months for listed conditions and surgical procedures; not applicable to accident claims |
VS VS |
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
| PED Waiting Period |
|---|
EquiCover 24 months for the covered pre-existing disability; 36 months for other pre-existing conditions, excluding the covered disability and HIV/AIDS |
VS VS |
GoActive 36 months |
| Modern Treatment |
|---|
EquiCover Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment |
VS VS |
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
| Annual Health Checkup |
|---|
EquiCover Not specified. A pre-policy check-up may be required based on age and sum insured, with 100% of the expense reimbursed on acceptance of the proposal |
VS VS |
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
| Pre-Hospitalisation |
|---|
EquiCover Information Unavailable |
VS VS |
GoActive Up to 90 days before admission, within the sum insured |
| Post-Hospitalisation |
|---|
EquiCover 60 days from the date of discharge; claimable on a reimbursement basis only |
VS VS |
GoActive Up to 180 days after discharge, within the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
EquiCover Not specified |
VS VS |
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
| Deductible Option |
|---|
EquiCover Not specified |
VS VS |
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
| Claim Settlement Ratio |
|---|
EquiCover 97.45% |
VS VS |
GoActive 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). |
| Maternity Cover |
|---|
EquiCover Information Unavailable |
VS VS |
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
Insurance Plans Comparison
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