Insurance Plans Comparison
Oriental Mediclaim Insurance Policy vs Niva Bupa Health Assurance
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMediclaim Insurance Policy
Cover hospitalisation and domiciliary treatment in India, with room rent up to 1% of the sum insured a day, ICU charges up to 2% a day, and listed day-care procedures.
What Makes It Special:
Mediclaim Insurance Policy is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Not available
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
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Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Mediclaim Insurance Policy Health Insurance Plan VS VS |
Health Assurance Health Insurance Plan |
| Room Rent |
|---|
Mediclaim Insurance Policy Normal:
ICU:
|
VS VS |
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
| Advanced Treatments |
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Mediclaim Insurance Policy Bariatric Surgery Dialysis Chemotherapy Radiotherapy Prosthetic Devices Pacemaker Implant Vascular Stents |
VS VS |
Health Assurance Modern Treatments covered up to Sum Insured |
| ICU Charges |
|---|
Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
| Co-payment |
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Mediclaim Insurance Policy Zone-based co-payment applicable Optional voluntary co-payment available |
VS VS |
Health Assurance Optional co-payment available |
| Waiting Period |
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Mediclaim Insurance Policy Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months Specific Disease/Procedure Waiting Period: 24 months |
VS VS |
Health Assurance Information Unavailable |
| Cashless Healthcare Providers |
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Mediclaim Insurance Policy Cashless hospitalization available at network hospitals |
VS VS |
Health Assurance 10,000+ Network Hospitals |
| Daycare Treatment |
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Mediclaim Insurance Policy Covered |
VS VS |
Health Assurance Covered |
| Cumulative Bonus |
|---|
Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
| AYUSH Treatment |
|---|
Mediclaim Insurance Policy Covered |
VS VS |
Health Assurance Covered up to Sum Insured |
| Consumable Cover |
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Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Please refer to the policy wording. |
| Initial Waiting Period |
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Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
| Specific Waiting Period |
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Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
| PED Waiting Period |
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Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance 36 months for CritiCare and HospiCash |
| Modern Treatment |
|---|
Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
| Annual Health Checkup |
|---|
Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Post-Hospitalisation |
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Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Kindly refer to policy wording. |
| Outpatient Department Cover (OPD Expense) |
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Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Not covered. |
| Deductible Option |
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Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Coverage Options |
|---|
Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
| Claim Settlement Ratio |
|---|
Mediclaim Insurance Policy Information Unavailable |
VS VS |
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
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