HDFC ERGO Health Insurance Optima Secure 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

Not available

Not Available

No

No

15000+ Healthcare Providers

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

Not Available

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

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

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

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

Yes

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 after the first policy year

Not Available

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

OPD expense is not included

OPD expenses are covered

Available as an option

Available

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

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

95%

10000+ Healthcare Providers

No. However, available as an add-on

Not Available