Niva Bupa vs Bharti AXA Health Insurance

Compare Niva Bupa vs Bharti AXA Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
Niva Bupa Bharti AXA
Claims Settlement Ratio** 85.96% 98.27%
Number of Lives Covered* 54,33,000
Network Hospitals 4,500 + 4,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Niva Bupa Heartbeat Niva Bupa premia Niva Bupa Companion Niva Bupa Go-Active Bharti AXA Bharti AXA
Heartbeat Premia Companion Go-Active Smart Health Assure Smart Super Health
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Room Rent
Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Silver and Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Covered up to Sum Insured (except for Suite or above room category)
4 Lakhs: Up to 1% of base sum insured per day
5 to 25 Lakhs: No restriction (except suite or above room category)(Limit included in Inpatient Care sum insured)
Covered Covered
ICU Charges
Covered up to sum insured Covered Covered
4 Lakhs: Up to 2% of Base Sum Insured
5 to 25 Lakhs: Covered up to Sum Insured
Covered Covered
Pre-hospitalization
60 days (Covered upto sum insured) 90 days before the date of admission to the hospital 30 days before the date of admission to the hospital 90 days (Covered up to Sum Insured) 60 days(Covered up to sum insured) 60 days(Covered up to sum insured)
Post-hospitalization
90 days (Covered upto sum insured) 180 days after discharge from the hospital 60 days after discharge from the hospital 180 days (Covered up to Sum Insured) 90 days(Covered up to sum insured) 90 days(Covered up to sum insured)
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Up to sum insured as per list provided in policy document Up to sum insured as per list provided in policy document
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Emergency Ambulance
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Up to Rs.3,000 per hospitalisation Up to Rs.3,000 per hospitalisation Rs.3,000 per event Rs.3,000 per event
Dental Treatment
Not covered Out patient dental treatment is covered Not covered Not covered As per specified limit and plan opted Not Covered
Bariatric Surgery
Not Covered
Silver: Not Available
Gold: Covered up to Rs.1,00,000
Platinum: Covered up to Rs.1,50,000
(waiting period 3 Years)
Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered Covered upto Reasonable and Customary Charges Covered Ayurveda, Unani, Sidha and HomeopathyCovered up to sum insured Covered up to sum insured
Maternity Benefits
Gold (5 Lakhs): Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000
10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 15 Lakhs: Covered up to Rs.120,000
20 Lakhs: Covered up to Rs.160,000
50 lakhs & 1 crore: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Silver - 5 Lakhs: Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000;
Gold - 10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 1 crore to 3 crores: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Not Covered Not Covered Covered Covered
New Born baby cover
Covered up to sum insured Covered up to sum insured Not Covered Not Covered Covered Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours. If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours. Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not Covered Not Covered
Varient1 ( 2 to 4 Lakhs): Up to Rs.2,500
Varient2 ( 5 to 12.5 Lakhs): Up to Rs.5,000
Varient3 ( 15 to 100 Lakhs): Up to Rs.7,500(OPD benefit upto defined limit as part of overall limit)
Not Covered Not Covered As per specified limit and plan opted
Health Check-up
Gold - 5 Lakhs: Annually covered up to Rs.1,250 per insured person
7.5 Lakhs: Annually covered up to Rs.1,875 per insured person
10 to 50 Lakhs: Annually covered up to Rs.2,500 per insured person

Platinum - 15 Lakhs: Annually covered up to Rs.3,750 per insured person
20 Lakhs to 1 Crore: Annually covered upto Rs.5,000 per insured person
Varient1 ( 2 to 4 Lakhs): once in every 2years
Varient2 & Varient3: Once in every year
Silver (5 Lakhs): Covered up to worth Rs 1,250 per insured person
Silver (7.5 Lakhs): Covered up to worth Rs 1,875 per insured person
Gold (10 to 20 Lakhs): Covered up to worth Rs 2,500 per insured person;
Gold (30 Lakhs): Covered up to worth Rs 5,000 per insured person
Gold (50 Lakhs) : Covered up to worth Rs 7,500 per insured person
Platinum (1crore to 3Crores): Covered up to worth Rs 10,000 per insured person
Available Annual health check-up available Annual health check-up available
Hospital daily allowance
Gold: Rs.3,000 per day
Platinum: Rs.6,000 per day
Silver: Rs.3,000 per day
Gold: Rs.5,000 per day
Platinum: Rs.7,500 per day
Varient1: Rs.1,000 per day
Varient2: Rs. 2,000 per day
Varient3: Rs. 4,000 per day
(Min 48hrs contineous hospitalisation required)
(optional)
Not covered As per specified limit and plan opted As per specified limit and plan opted
Co-pay
Gold : a. If you select Zone 2, then 20% co-payment will apply for treatment in Mumbai (including Navi Mumbai & Thane), Delhi NCR, Kolkata & Gujarat State b. Options of 10% and 20% co-payment
Paltinum : Options of 10% and 20% co-payment
NIL co-pay for all inpatients, up to 20% for OPD & other treatments NIL co-pay for all inpatients, 10% for OPD treatment No co-pay NIL co-pay NIL co-pay
Pre-existing diseases coverage
Pre-existing diseases covered after 2 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases for 2 to 4 Lakhs is covered after 4 years and for 5 to 100 Lakhs is covered after 3 years of continuous coverage Pre-existing diseases covered after 3 years of continuous coverage Covered after 4 years of continuous coverage. Covered after 4 years of continuous coverage.
Restore Benefit
Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured Up to 100% of Base Sum Insured
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
10% on base sum insured for every claim free year and up to 100% 10% on base sum insured for every claim free year and up to 100% 20% on base sum insured for every claim free year and up to 100% Not Covered Covered
For age below 45 years 50% of expiring policy sum insured not exceeding 100%
For age above 45 years 20% of expiring policy sum insured not exceeding 100%
Emergency Air Ambulance
Gold: Not Covered
Platinum: Covered up to Sum Insured
Covered up to Sum Insured Not Covered Not Covered Not Covered As per specified limit and plan opted
Available sum insured options
Gold: 5 to 50 Lakhs
Platinum: 15 Lakhs to 1 Crore
Silver: 5 to 7.5 Lakhs
Gold: 10 to 50 Lakhs
Platinum: 1 to 3 crores
Varient1: 2 to 4 Lakhs
Varient2: 5 to 12.5 Lakhs
Varient3: 15 to 100 Lakhs
Rs.4 to 25 Lakhs 3 & 4 Lakhs
Value: 5 & 7.5 Lakhs
Classic: 10 to 20 Lakhs
Uber: 30 & 50 Lakhs above
Policy can be purchased for
1/2 years 1/2/3 years 1/2 years 1/2/3 years 1/2/3 years 1/2/3 years
Eligibility criteria
Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Entry age for Adults is 18 years - 65 Years (last birthday) and from 91 days to 21 years (last birthday) for children (dependent children) 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
No Loading No Loading No Loading No Loading Loading Loading
Portablity(At the time of renewal)
Yes Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022