Niva Bupa Health Insurance Health Companion Variant 2022 vs HDFC ERGO Health Insurance Optima Secure

The shared room category is covered in your base policy.

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

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Not Available

Not available

11000+ Healthcare Providers

15000+ Healthcare Providers

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

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

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

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

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

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

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. However, available as an add-on

Yes

30 days.

30 days

2 years

2 years

3 years

3 years

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

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

Health check-up is available after the first policy year

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

Available as an option

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

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

90.10%

95%

Not Available

No. However, available as an add-on