HDFC ERGO Health Insurance Energy Silver vs Niva Bupa Health Insurance Health Recharge Super Top Up Plan

All room categories are covered

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Available as an option

Not Available

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

Not Available

15,000+ Healthcare Providers

Your sum insured increases by 10% every year, maximum up to 100%

Your sum insured increases by 5% every year, maximum up to 50%

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

Yes

Yes

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

30 days

30 days.

2 years

2 years

2 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 twice every policy year, from day 1 of the policy

Not Available

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 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expenses are covered

Not available

Available

Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

95%

10000+ Healthcare Providers

Not available

Not Available