HDFC Ergo Optima Secure vs Niva Bupa Health Insurance Bronze+

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

95%

90.10%

All room categories are covered

All room categories are covered

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not available

Not available

15000+ Healthcare Providers

10,000+ Healthcare Providers

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Yes, your sum insured restores to 100% once every policy year

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Your sum insured increases by 50% every year, maximum up to 300%

Your sum insured increases by 100% every year, maximum up to 300%

Yes

No. However, available as an add-on

30 days

30 days

2 years

2 years

3 years

3 years

Health check-up is available after the first policy year

Health check-up is available once every policy year, from day 1 of the policy

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included

Available as an option

Available as an option

No. However, available as an add-on

Not available