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.

Oneassure

Health Insurance

Compare Health Insurance Plans

Ultimate Vs Health Premia Gold

Insurance Plans Comparison

Care Ultimate 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...

Ultimate

Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.

What Makes It Special:

Comprehensive Health Insurance

Best For:

Health-conscious customers seeking wellness rewards and renewal discounts.
Individuals interested in unlimited restoration of their sum insured.
Customers who value rewards for remaining claim-free.
People looking for coverage options up to ₹1 crore.
Individuals and families seeking comprehensive hospitalisation coverage.

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

Care Ultimate

Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.
Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.
Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.
Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.
Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.

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

Ultimate

Health Insurance Plan

Brochure

VS

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Ultimate All room categories are covered	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
Ultimate No restriction on ICU room rent	Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Ultimate Not available	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
Ultimate No	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
Ultimate 21700+ 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
Ultimate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses	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

Daycare Treatment
Ultimate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured	Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Cumulative Bonus
Ultimate Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.	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%

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

Consumable Cover
Ultimate No. However, available as an add-on	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)

Initial Waiting Period
Ultimate 30 days	Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
Ultimate 2 years	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
Ultimate 3 years	Health Premia Gold 24 months of continuous cover

Modern Treatment
Ultimate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period	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
Ultimate Health checkup is not included as part of base cover. However, available as an add-on	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
Ultimate You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved	Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
Ultimate You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it	Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Ultimate OPD expense is not included as part of base cover. However, available as an add-on	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
Ultimate Not available	Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Ultimate Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr	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

Ultimate

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

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
Ultimate 96%	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
Ultimate Not available	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

Ultimate

Health Insurance Plan

Brochure

VS

Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Ultimate All room categories are covered
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
Ultimate No restriction on ICU room rent
VS VS
Health Premia Gold Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Ultimate Not available
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
Ultimate No
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
Ultimate 21700+ 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
Ultimate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
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

Daycare Treatment
Ultimate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured
VS VS
Health Premia Gold All listed day care procedures (Annexure III) covered up to Sum Insured

Cumulative Bonus
Ultimate Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.
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%

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

Consumable Cover
Ultimate No. However, available as an add-on
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)

Initial Waiting Period
Ultimate 30 days
VS VS
Health Premia Gold 30 days (not for accidents or renewals)

Specific Waiting Period
Ultimate 2 years
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
Ultimate 3 years
VS VS
Health Premia Gold 24 months of continuous cover

Modern Treatment
Ultimate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
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
Ultimate Health checkup is not included as part of base cover. However, available as an add-on
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
Ultimate You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
VS VS
Health Premia Gold Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
Ultimate You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
VS VS
Health Premia Gold Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Ultimate OPD expense is not included as part of base cover. However, available as an add-on
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
Ultimate Not available
VS VS
Health Premia Gold Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Ultimate Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr
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
Ultimate 96%
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
Ultimate Not available
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

Still Confused? Get Expert 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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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

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We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

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

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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Health Premia Gold vs Supreme Senior Super

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 Ultimate

Health Premia Gold vs Optima Secure

Health Premia Gold vs Super Mediclaim

Health Premia Gold vs Critical Illness Platinum Plan

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