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Health Care Plus Policy
Premium depends on your profile
Health Insurance · head to head
Health Care Plus Policy vs Aspire
Niva Bupa
Aspire
Premium depends on your profile
Specifications side by side
Spec
Health Care Plus Policy
Aspire
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
—
3 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
—
100 lakh
Entry age
From 91 days (no maximum stated)
—
Room rent
Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit
No limit (any room); optional room type modification
Co-payment
Optional co-payment 0% to 50%
None mandatory; optional Tiered Network carries 20% co-payment outside the network
Waiting periods
Initial waiting period
—
30 days
Benefits
Pre-hospitalisation
—
60 days
Post-hospitalisation
—
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Optional Sum Insured Refill Benefit: refills 100% of the Sum Insured specified and utilized under Section 1.A/1.B
ReAssure Forever: triggers after the 1st claim; unlimited; each claim up to the Base sum insured
No-claim bonus
Cumulative Bonus (increase in SI) or No Claim Discount, as opted; upper limit as per Policy Schedule
Booster+: unutilised Base sum insured carries forward, up to 1X-10X by variant and entry age
Maternity
Optional cover (Section 6), limited to two childbirth events; waiting period options No Waiting Period, 6 Months, 9 Months, 1 Year, 2 Years, 3 Years, 4 Years; SI 10,000 to 5,00,000
Covered under M-iracle sum insured; waiting period 48 months (Gold+), 24 months (Diamond+), 9 months (Platinum+/Titanium+)
OPD
Optional Out-Patient (OPD) Benefit, Sum Insured 2,500 to 50,000
Not covered in base (unlimited e-consultation); optional WellConsult OPD wallet
Insurer
Health incurred claim ratio (insurer)
83.78%
61.22%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
9000+
19,000+
IRDAI UIN
GODHLIP27048V052627
NBHHLIP26049V022526
A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.
Pros and cons
Health Care Plus Policy
- Pro: No room-rent cap
Aspire
- Pro: No co-payment unless you choose one for a lower premium
- Pro: No room-rent cap