Niva Bupa Health insurance vs Universal Sompo Health Insurance

Compare Niva Bupa vs Universal Sompo

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 universal-sompo universal-sompo
Heartbeat
Gold
Platinum
Gold
Platinum
Premia
Companion
Go-Active
Complete Healthcare
Basic
Essential
Privilege
Arogya Sanjeevani
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured 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)
Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered up to sum insured Covered Covered
4 Lakhs: Up to 2% of base sum insured per day
5 to 25 Lakhs : No restriction (except suite or above room category)
Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
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 before the date of admission to the hospital 30 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Post-hospitalization
90 days (Covered upto sum insured) 180 days after discharge from the hospital 60 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured 141 day care expenses covered Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Not Covered
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
Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less
Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less
Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less
Subject to a maximum of Rs.2,000 per hospitalisation
Dental Treatment
Not covered Out patient dental treatment is covered Covered except for inpatient hospitalization due to an Accident. Not covered Up to 100% of In-patient treatment sum insured
(In case of accident)
Dental treatment necessitated due to disease or injury
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 up to reasonable and customary charges Covered Ayurveda, Unani, Sidha and Homeopathy Covered up to sum insured Covered
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
Basic: Not Covered
Essential:
Normal Delivery: Up to Rs.15,000 or actuals whichever is less
Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
Privilege:
Normal Delivery: Up to Rs.25,000 or actuals whichever is less
Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
(waiting period: 3 years)
Not Covered
New Born baby cover
Covered up to sum insured Covered up to sum insured Not Covered Not Covered
Basic: Not Covered
Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier
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 Not Covered
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 Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less Not 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.
Basic: Not Covered
Essential: Rs.300 per day subject to maximum of Rs.9,000
Privilege: Rs.500 per day subject to maximum of Rs.15,000
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
(Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/policy year)
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
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
Varient1(2 to 4 Lakhs): once in every 2years
Varient2 & Varient3: Once in every year
Available
Individual: 1 Coupon at the end of every claims two continuous claims free year
Family Floater: 2 Coupon at the end of every claims two continuous claims free year
Not Covered
Hospital daily allowance
Gold: Rs.3,000 per day
Platinum: Rs.6,000 per day
(Min 48hrs contineous hospitalisation required coverage offered for 30 days per policy year)
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)
Not Covered
Basic: Rs.200 per day
Essential: Rs.500 per day
Privilege: Rs.1,000 per day
(Hospitalisation exceeds 3 days for a maximum number of 7 days)
Not Covered
Co-pay
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 NIL co-pay for all inpatients, Up to 20% for OPD & other treatments 10% co-pay applicable for treatment in Non Network hospitals 5% Co pay applicable on all claims
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 3 years of continuous coverage Covered after a waiting period of 4 years
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 per year Not Covered
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 10% every year, maximum up to 50% of sum insured 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Gold: Not Covered
Platinum: Covered up to Sum Insured
Covered up to Sum Insured Not Covered Not Covered Not Covered Not Covered
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
1 to 25 Lakhs
Basic: Rs.1 & 2 Lakhs
Essential: Rs.3 to 5 Lakhs
Privilege: Rs.6 to 10 Lakhs
Rs.1 to 5 Lakhs
Policy can be purchased for
1/2 years 1/2/3 years 1/2 years 1/2/3 years 1/2/3 years 1 year
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) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 70 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 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 Universal Sompo
Claims Settlement Ratio ** 85.96% 95.31%
Number of Lives Covered * 54,33,000 1,137,000
Network Hospitals 4,500 + 4,000 +
  • * 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