Care Joy Today vs Niva Bupa Reassure 2.0 Bronze+

Single Private AC room covered

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

Not Specifically mentioned

No

20% for above 61 years unless waived by extra premium

Not available

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

8000+ Healthcare Providers

10,000+ Healthcare Providers

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

Your sum insured increases by 100% every year, maximum up to 300%

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

Daycare Treatment covers medical procedures that require less than 24 hours of hospitalisation due to advanced technology

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

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 as an option

8000+ Healthcare Providers

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

96%

92.02%

Available including pre-natal and post-natal expenses, up to ₹35,000 or ₹50,000 based on sum insured; maternity cover available up to age 45.

Not available