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.

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Compare Health Insurance Plans

Myhealth Medisure Super Top Up Vs Health Premia Gold

Insurance Plans Comparison

HDFC ERGO myHealth Medisure Super Top-up 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...

myHealth Medisure Super Top-up

A super top-up that pays eligible hospitalisation costs only after your aggregate deductible is met, with no sub-limit on room rent or ICU and cover for day care procedures.

What Makes It Special:

my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...

Best For:

Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions
Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further
Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement
Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews
Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures

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.

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Quick Decision Guide

HDFC ERGO myHealth Medisure Super Top-up

The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.
Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.
If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.
The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.
Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.

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

myHealth Medisure Super Top-up

Health Insurance Plan

Brochure

VS

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
myHealth Medisure Super Top-up Normal: Single A/C private room ICU: no limit, expenses incurred will be covered by the insurance	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

ICU Charges
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated	Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Advanced Treatments
myHealth Medisure Super Top-up Robotic surgeries for precise, minimally invasive procedures. Bariatric surgery for obesity management (as per policy terms). Modern cancer treatments like immunotherapy and targeted therapy. Stem cell therapy (for approved conditions). Proton beam therapy for advanced cancer care. Advanced cardiac procedures including transplants and minimally invasive heart surgeries.	Health Premia Gold Information Unavailable

Advanced Treatments

myHealth Medisure Super Top-up

Robotic surgeries for precise, minimally invasive procedures.
Bariatric surgery for obesity management (as per policy terms).
Modern cancer treatments like immunotherapy and targeted therapy.
Stem cell therapy (for approved conditions).
Proton beam therapy for advanced cancer care.
Advanced cardiac procedures including transplants and minimally invasive heart surgeries.

Health Premia Gold

Information Unavailable

Co-payment
myHealth Medisure Super Top-up The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase.	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
myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits	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
myHealth Medisure Super Top-up 16,000+ Healthcare providers.	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
myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted	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

Restoration Benefit

myHealth Medisure Super Top-up

Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted

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

Cumulative Bonus
myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100%	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%

Daycare Treatment
myHealth Medisure Super Top-up Covered by the policy.	Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Consumable Cover
myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section	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)

AYUSH Treatment
myHealth Medisure Super Top-up Covered in the policy.	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

Initial Waiting Period
myHealth Medisure Super Top-up 30 days, except claims arising from an accident	Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures	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
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months	Health Premia Gold 24 months of continuous cover

Modern Treatment
myHealth Medisure Super Top-up Not specified	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
myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary	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

Annual Health Checkup

myHealth Medisure Super Top-up

Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary

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
myHealth Medisure Super Top-up Information Unavailable	Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
myHealth Medisure Super Top-up 180 days after discharge	Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover	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
myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound	Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
myHealth Medisure Super Top-up Individual sum insured or floater sum insured	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

myHealth Medisure Super Top-up

Individual sum insured or floater sum insured

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
myHealth Medisure Super Top-up 97.43%	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
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently 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

myHealth Medisure Super Top-up

Health Insurance Plan

Brochure

VS

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
myHealth Medisure Super Top-up Normal: Single A/C private room ICU: no limit, expenses incurred will be covered by the insurance
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

ICU Charges
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated
VS VS
Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Advanced Treatments
myHealth Medisure Super Top-up Robotic surgeries for precise, minimally invasive procedures. Bariatric surgery for obesity management (as per policy terms). Modern cancer treatments like immunotherapy and targeted therapy. Stem cell therapy (for approved conditions). Proton beam therapy for advanced cancer care. Advanced cardiac procedures including transplants and minimally invasive heart surgeries.
VS VS
Health Premia Gold Information Unavailable

Co-payment
myHealth Medisure Super Top-up The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase.
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
myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits
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
myHealth Medisure Super Top-up 16,000+ Healthcare providers.
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
myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted
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

Cumulative Bonus
myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100%
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%

Daycare Treatment
myHealth Medisure Super Top-up Covered by the policy.
VS VS
Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Consumable Cover
myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section
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)

AYUSH Treatment
myHealth Medisure Super Top-up Covered in the policy.
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

Initial Waiting Period
myHealth Medisure Super Top-up 30 days, except claims arising from an accident
VS VS
Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures
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
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months
VS VS
Health Premia Gold 24 months of continuous cover

Modern Treatment
myHealth Medisure Super Top-up Not specified
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
myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary
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
myHealth Medisure Super Top-up Information Unavailable
VS VS
Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
myHealth Medisure Super Top-up 180 days after discharge
VS VS
Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover
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
myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound
VS VS
Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
myHealth Medisure Super Top-up Individual sum insured or floater sum insured
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
myHealth Medisure Super Top-up 97.43%
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
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently 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

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Senior Citizen Health Plan

Secure against age-related medical costs
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Maternity Health Plan

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

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Secure against age-related medical costs
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One policy covers the entire family
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Covers delivery, newborn care, and maternity expenses
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myHealth Medisure Super Top-up vs Active Assure Diamond

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myHealth Medisure Super Top-up vs Special Care Gold

myHealth Medisure Super Top-up vs Energy Gold Without Copay

myHealth Medisure Super Top-up vs Activ One Max

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myHealth Medisure Super Top-up vs Activ One Vytl

myHealth Medisure Super Top-up vs Supreme

myHealth Medisure Super Top-up vs Freedom

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myHealth Medisure Super Top-up vs Joy Today

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myHealth Medisure Super Top-up vs Reassure 3.0 Elite

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myHealth Medisure Super Top-up vs Red Carpet Senior Citizens

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myHealth Medisure Super Top-up vs Health Companion Variant 2022

myHealth Medisure Super Top-up vs Health Companion Variant 3

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myHealth Medisure Super Top-up vs Critical Illness Silver Plan

myHealth Medisure Super Top-up vs Health Premia Gold

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myHealth Medisure Super Top-up vs Comprehensive

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myHealth Medisure Super Top-up vs Health Recharge Super Top Up Plan

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Health Premia Gold vs Supreme Senior Premium

Health Premia Gold vs Energy Silver Without Copay

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Health Premia Gold vs Super Mediclaim

Health Premia Gold vs Critical Illness Platinum Plan

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Health Premia Gold vs Health Cardiac Care Silver & Gold Plan

Health Premia Gold vs myHealth Suraksha Gold

Health Premia Gold vs Elder Care

Health Premia Gold vs Young Star Gold

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Health Premia Gold vs Optima Lite

Health Premia Gold vs ProHealth Prime Protect

Health Premia Gold vs Medicare Plus

Health Premia Gold vs Activ Health Platinum Essential

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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 Activ One SAVR

Health Premia Gold vs Active Assure Diamond

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Health Premia Gold vs Supreme

Health Premia Gold vs Freedom

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Health Premia Gold vs Joy Today

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Health Premia Gold vs Activate Booster Plan B

Health Premia Gold vs Aspire Gold+

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Health Premia Gold vs Aspire Platinum+

Health Premia Gold vs Plus Complete

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

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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 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 Health Recharge Super Top Up Plan

Health Premia Gold vs myHealth Suraksha Platinum

Health Premia Gold vs Supreme Value for Money

Health Premia Gold vs Supreme Enhance Two

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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 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 Health Shield 360 Retail

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 Special Care

Health Premia Gold vs Optima Secure Global

Health Premia Gold vs Medicare LITE

Health Premia Gold vs Health Shield 360

Health Premia Gold vs NextGen

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 myHealth Koti Suraksha

Health Premia Gold vs Senior

Health Premia Gold vs myHealth Suraksha Silver

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 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 Supreme Senior 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

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