Niva Bupa Health Insurance Senior First Platinum vs Aditya Birla Health Insurance VIP

Single private AC room is covered

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Yes

Yes

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

Not available

10000+ Healthcare Providers

11000+ Healthcare Providers

Your sum insured increases by 10% for every claim-free year, upto 100%

Your sum insured increases by 50% every year, maximum up to 100%

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

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 Checkup is covered upto INR5000 per individual per 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 90 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 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expenses are covered

Available

Not available

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

90.10%

93.70%

Not Available

Available