Office No. 402, 4th Floor, Marathon Nextgen Campus, Marathon Icon, Ganapatrao Kadam Marg, opposite Peninsula Corporate Park, Lower Parel, Mumbai, Maharashtra 400013
Niva Bupa Health Insurance and ICICI Health Insurance are two of the most trusted names in the Indian health insurance sector. Both providers offer a wide range of plans designed to cater to different needs, but they differ in claim settlement ratios, network hospitals, and other features. Here’s a detailed comparison to help you decide which policy aligns with your health requirements.
Our insurance advisor can provide you with more information about these plans. Based on your requirements, we will send you a customized health insurance quote.
Very Easy 3 step Process
|
Comparison Factor
|
Niva Bupa Health Insurance
|
ICICI Health Insurance
|
|---|---|---|
|
Coverage Options
|
Hospitalization, critical illness, maternity benefits, alternative treatments
|
Comprehensive hospitalization, critical illness, maternity benefits, wellness programs
|
|
Premium Cost (₹)
|
₹7 lakh to 1Cr.
Age - 91 days 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
|
₹7 lakh to 1Cr.
Age - 91 days 18yrs. (Child)
18yrs. to 60yrs. (Adult)
Above 60 (senior citizen)
|
|
Claim Settlement Ratio
|
92.3%
|
99.97%
|
|
Network Hospitals
|
10,000+
|
10,000+
|
|
Room Rent Limit
|
Covered up to Sum Insured
|
Covered up to Sum Insured
|
|
Add-on Benefits & Riders
|
Critical illness cover, maternity benefits, air ambulance
|
Critical illness cover, maternity benefits, wellness benefits
|
|
Digital Claim Tracking
|
Available
|
Available
|
|
Customer Reviews
|
Positive feedback for affordability and wide network
|
Appreciated for high claim settlement ratio and customer service
|
|
Benefit
|
Niva Bupa Health Insurance
|
ICICI Health Insurance
|
|---|---|---|
|
Inpatient Care
|
Up to Sum Insured
|
Up to Sum Insured
|
|
Eligible Room Category
|
Single Private AC
|
Covered up to Single Private A/C Room
|
|
Pre-hospitalization Expenses
|
30 days, Up to Sum Insured
|
30 days, Up to Sum Insured
|
|
Post-hospitalization Expenses
|
60 days, Up to Sum Insured
|
60 days, Up to Sum Insured
|
|
Alternative Treatments
|
Covered under specific plans
|
Covered under specific plans
|
|
Day Care Treatment
|
Up to Sum Insured
|
Up to Sum Insured
|
|
Home Care / Domiciliary Hospitalization
|
Covered
|
Covered
|
|
Organ Donor
|
Covered
|
Covered
|
|
Emergency Ambulance
|
Covered
|
Covered
|
|
No Claim Bonus
|
Up to Sum Insured
|
Up to Sum Insured
|
|
Vaccination for Animal Bite
|
Covered under specific plans
|
Covered
|
|
Health Checkup
|
Yes
|
Yes
|
|
Advanced Health Check-up
|
Available
|
Available
|
|
Personal Accident
|
Add-On
|
Add-On
|
|
Health Returns
|
Available
|
Available
|
|
Co-payment
|
No
|
No
|
|
PED Waiting Period
|
36 months
|
36 months
|
|
Modern Treatments
|
Yes
|
Yes
|
|
Air Ambulance
|
Add On
|
Add On
|
Best For:
Unique Advantages:
The decision between Niva Bupa Health Insurance and ICICI Health Insurance depends on your priorities:
Contact us today to learn more about which health insurance plan is best for your needs and budget.
There are 29 lakh insurance agents and 1.5 lakh financial consultants in India. But BTW Financial services and IMF offer you something that most don’t.
