Insurance Plans Comparison
HDFC ERGO EquiCover vs Niva Bupa Health Assurance
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
Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
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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.
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() EquiCover Health Insurance Plan VS VS |
Health Assurance 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 |
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
| ICU Charges |
|---|
EquiCover Up to 2% of Sum Insured per day |
VS VS |
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
| 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 |
Health Assurance Modern Treatments covered up to Sum Insured |
| Co-payment |
|---|
EquiCover 20% Co-payment on every admissible claim |
VS VS |
Health Assurance Optional co-payment available |
| 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 |
Health Assurance Information Unavailable |
| Waiting Period |
|---|
EquiCover Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period:
Specific Disease/Procedure Waiting Period: 24 Months |
VS VS |
Health Assurance Information Unavailable |
| Cashless Healthcare Providers |
|---|
EquiCover Cashless treatment available through network providers |
VS VS |
Health Assurance 10,000+ Network Hospitals |
| Restoration Benefit |
|---|
EquiCover Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document |
VS VS |
Health Assurance Information Unavailable |
| Daycare Treatment |
|---|
EquiCover Covered |
VS VS |
Health Assurance Covered |
| Cumulative Bonus |
|---|
EquiCover Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document |
VS VS |
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
| Consumable Cover |
|---|
EquiCover Not specified |
VS VS |
Health Assurance Please refer to the policy wording. |
| AYUSH Treatment |
|---|
EquiCover Covered up to 100% of Sum Insured |
VS VS |
Health Assurance 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 |
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
| Specific Waiting Period |
|---|
EquiCover 24 months for listed conditions and surgical procedures; not applicable to accident claims |
VS VS |
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
| 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 |
Health Assurance 36 months for CritiCare and HospiCash |
| Modern Treatment |
|---|
EquiCover Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment |
VS VS |
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
| 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 |
Health Assurance Kindly refer to the policy wording. |
| Post-Hospitalisation |
|---|
EquiCover 60 days from the date of discharge; claimable on a reimbursement basis only |
VS VS |
Health Assurance Kindly refer to policy wording. |
| Outpatient Department Cover (OPD Expense) |
|---|
EquiCover Not specified |
VS VS |
Health Assurance Not covered. |
| Deductible Option |
|---|
EquiCover Not specified |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Coverage Options |
|---|
EquiCover Information Unavailable |
VS VS |
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
| Claim Settlement Ratio |
|---|
EquiCover 97.45% |
VS VS |
Health Assurance 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). |
Insurance Plans Comparison
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