HDFC ERGO Health Insurance vs Niva Bupa Health Insurance

HDFC ERGO and Niva Bupa offer a variety of medical insurance plans to individuals and families. They provide coverage for hospitalization, COVID-19, critical illnesses, day care procedures, ambulance charges, etc. While HDFC ERGO offers cashless hospitalization at 12725 network hospitals, Niva Bupa comes with 10645 network hospitals.

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      HDFC ERGO Health Insurance
      Starting ₹840/month
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      Niva Bupa Health Insurance
      Starting ₹393/month
      View plans
      Average rating
      5/5 (3 Reviews)
      4.7/5 (160 Reviews)
      Number of health insurance plans and add-ons
      2 plans
      34 plans
      Sum insured
      Up to ₹2 Cr
      Up to ₹3 Cr
      Network hospitals
      12725+
      10645+
      Claim ratio
      98.50%
      100.00%
      Preventive health check-up
      Not Covered
      Free health checkup
      Room rent limit
      Any category
      Any category
      Existing illness cover
      Covered after 3 years
      Covered after 2 years
      No claim bonus
      Max
      Not Covered
      Online discount
      OPD coverage
      Available as an optional cover
      Covered upto ₹2,500 per year
      Maternity
      Covered upto ₹75,000
      Day care treatment
      All day-care treatments are covered up to the sum insured
      All day-care treatments are covered up to the sum insured
      Wellness benefits
      Upto 30% discount on renewal premium for base policy
      Waiting period
      Covered after 2 years
      Discount on renewal
      Upto 30% discount on renewal premium for base policy
      Global coverage
      Covered upto ₹30 lakh per insured person
      Top selling plans
      Health ReAssure, Health Recharge, Health Companion
      View plans
      View plans
      View complete comparison

      PS - The above plans and premiums are for ₹5 lakh Sum insured for 1 Adult of 21 Years for Delhi city.

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      Quick Comparison with Other Insurers
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