Policy compare
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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Bajaj - General Health Guard (Platinum) | Niva Bupa - ReAssure 3.0 (Black) |
|---|---|---|
| Room Rent Limit | No limit | No limit |
| ICU Limit | No limit | No limit |
| Co-Pay | No | Yes |
| Disease Sub-limit | Yes | Yes |
| Initial Waiting (Days) | 30 | NA |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 3 | 1 |
| Pre-Hospitalisation | 30 days (Covered up to: sum insured) | NA |
| Post-Hospitalisation | 90 days (Covered up to: sum insured) | NA |
| Daycare Procedures | Yes | Yes (Covered up to: sum insured) |
| Domiciliary | No | Yes (Covered up to: sum insured) |
| Organ Donor Cover | Yes (Covered up to: sum insured) | No (Covered up to: sum insured) |
| Modern Treatments | Yes | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Unrelated illness | Related and unrelated illness |
| Refill Trigger | Full exhaustion of Sum Insured & Bonus | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | No | No |
| Bonus Rate | 50% for forst 2 years, 10% for subsequent years | NA |
| Bonus Max Limit | 150% | 1000% |
| Reduction in Bonus on Claim | Yes | NA |
| % Settled < 30 Days | 99.40% | 99.95% |
| % Complaints on Claims | 0.03% | 0.43% |
| Incurred Claim Ratio | 90.01% | 61.64% |
| Claim Settlement Ratio (No.) | 93.49% | 90.64% |
| Claim Settlement Ratio (Value) | 79.07% | 74.32% |
| Claim Rejection Ratio | 5.68% | 7.30% |
| Cashless Hospitals | 18,400+ | 10,000+ |
| Affordability | Expensive | NA |
| Plan Type | Individual | Individual |
| Extra Features | Maternity benefits on family plan upto 25k after 6 years waiting, Extra coverage of 20% of base sum insured maximum upto 5 lakhs in case the claim amount exceeds the base cover. | NA |