Niva Bupa vs Cholamandalam Health Insurance

Compare Niva Bupa vs Cholamandalam

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
Niva Bupa Heartbeat Niva Bupa premia Niva Bupa Companion Niva Bupa Go-Active Cholamandalam Healthline Cholamandalam FlexiHealth Cholamandalam Arogya Sanjeevani
Heartbeat
Gold
Platinum
Gold
Platinum
Premia
Companion
Go-Active
Healthline
Value
Freedom
Enrich
Priviledge
Flexi Health
Arogya Sanjeevani
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Covered
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)
Single occupancy AC room is allowed for all Sum Insured except for Rs.1 Lakh / 2 Lakhs. For Rs.1 Lakh / 2 Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs 3,000 per day respectively
NIL Room Rent restrictions Covered
ICU Charges
Covered up to sum insured Covered
4 Lakhs: Up to 2% of Base Sum Insured
5 to 25 Lakhs: Covered up to Sum Insured
Covered Not Covered Not Covered
Pre-hospitalization
60 days (Covered upto sum insured) 30 days before the date of admission to the hospital 90 days (Covered up to Sum Insured)
Value Healthline: 30 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital
30 days 30 days
Post-hospitalization
90 days (Covered upto sum insured) 60 days after discharge from the hospital 180 days (Covered up to Sum Insured)
Value Healthline: 60 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital
60 days 60 days
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered All day care procedures covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered (Maximum 7 days) Covered Covered
Emergency Ambulance
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
Value Healthline: Rs.1,000 per hospitalisation;
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilage Healthline: Rs.5,000 per hospitalisation
Up to 1% of SI subject to a maximum of `2,000/- per hospitalisation Maximum of Rs. 2000 per hospitalisation
Dental Treatment
Not covered Not covered Not covered
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Rs.10,000 every 2 Years
(Additional benefit)
Not Covered Covered
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered upto Reasonable and Customary Charges Covered Ayurveda, Unani, Sidha and Homeopathy Covered Covered Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy
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
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Up to Rs.1 Lakh Per delivery (Upto 2 deliveries, after 3 consecutive renewals)
Not Covered Covered
New Born baby cover
Covered up to sum insured Not Covered Not Covered
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Covered upto Sum Insured of Mother / Floater Sum Insured
Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date Not Covered
Vaccination of the new born baby
Covered until new born baby completes one year vaccinations
(as mentioned in the policy document)
Not Covered Not Covered Not Covered Not Covered Not Covered
Daily Cash for Accompanying an Insured Child
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.
Value & Freedom Healthline: Not Covered
Enrich Healthline : Rs 500 per day for 7 days
Privilage Healthline: Not Covered
(Additional benefit)
Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Not Covered
Vaccination (In case of post bite treatment)
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 Covered Not Covered
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
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilage Healthline: Once after 2 claim free years
health check-up - once in every 2 claim-free years No pre-policy health check-up before 50 years of age
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
Value & Freedom Healthline: Not Covered
Enrich & Privilage Healthline: Rs.10,000(Minimum 10 days Hospitalization)
(Additional benefit)
Daily benefit of `500/- per day towards accompanying person expenses, up to a maximum of 10 days per policy period Not Covered
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
Value Healthline: 10% on all claims
Freedom, Enrich, Privilage Healthline: Not Covered
(for age above 55years)
No co-pay Co-pay fixed at 5% for all ages/sum insureds in this policy
Pre-existing diseases coverage
Pre-existing diseases covered after 2 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 Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 3 years of continuous coverage Benefits not available for any pre-existing condition(s) until 48 consecutive months 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 Not Covered Covered Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days (not applicable on renewal and for accidents)
Renewal Benefit / Cumulative Bonus
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
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured
Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured
Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
10% for every claim-free year up to 50% of sum insured Increase in the Sum Insured by 5% in respect of each claim free year subject to a maximum of 50% of SI
Emergency Air Ambulance
Gold: Not Covered
Platinum: Covered up to Sum Insured
Not Covered Not Covered Not Covered Not Covered Not Covered
Available sum insured options
Gold: 5 to 50 Lakhs
Platinum: 15 Lakhs to 1 Crore
Varient1: 2 to 4 Lakhs
Varient2: 5 to 12.5 Lakhs
Varient3: 15 to 100 Lakhs
Rs.4 to 25 Lakhs
Value Healthline: Rs.1 to 10 Lakhs
Freedom Healthline: Rs.2 to 15 Lakhs
Enrich Healthline: Rs.3 to 25 Lakhs
Privilage Healthline: Rs.5 to 25 Lakhs
Rs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs
Minimum Sum Assured is ₹ 1 Lac
Maximum Sum Assured is ₹ 5 Lacs
(Sum Assured can be opted for in multiples of ₹50,000)
Policy can be purchased for
1/2 years 1/2 years 1/2/3 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) Entry age for Adults is 18 years - 65 Years (last birthday) and from 91 days to 21 years (last birthday) for children (dependent children) Adults from 18 to 65 years (dependents 90 days to 26 years) Adults from 18 to 65 years and Children 03 months to 26 years Adults from 18 to 65 years and Children 03 months to 25 years
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 No Loading No 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
Useful Links
Niva Bupa Cholamandalam
Claims Settlement Ratio ** 85.96% 73.87%
Number of Lives Covered * 54,33,000 1,806,000
Network Hospitals 4,500 + 7,250 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022