Niva Bupa Senior First Gold Plan vs Care Advantage

The shared Room is covered.

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Yes, 50%

Available as an option

No

No

10000+ Healthcare Providers

21700+ Healthcare Providers

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

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

Not Available

For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit

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

Not Available

No. However, available as an add-on

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

Not Available

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per 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 30 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 60 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Available

Available as an option

Available coverage options: ₹5L, ₹10L

Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr

90.10%

87.10%

Not Available

Not available