Care Health Insurance Tomorrow vs Niva Bupa Health Insurance Health Companion Variant 2022

Single Private AC room covered

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic Surgery
2. Stem Cell Therapy
3. Organ Transplant
4. Cancer Treatment

20% for above 61 years unless waived by extra premium

Not Available

Not Specifically mentioned

No

Not Available

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

8000+ Healthcare Providers

11000+ Healthcare Providers

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

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

Not Available in the base plan but you can add a rider to avail

Your sum insured increases by 20% for every claim-free year, up to 100%

Included within hospitalisation expenses.

No. However, available as an add-on

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

30 days

30 days.

2 years

2 years

3 years

3 years

Covered

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

Not Stated

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 30 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 60 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

Not Available

Available

Available coverage options:

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

92.77%

90.10%

Not Available