Policy compare
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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Care - Insurance Care Freedom | Niva Bupa - Health Companion |
|---|---|---|
| Room Rent Limit | No limit | NA |
| ICU Limit | No limit | NA |
| Co-Pay | Yes | No |
| Disease Sub-limit | NA | Yes |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | NA | 3 |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | NA | Yes (Covered up to: sum insured) |
| Organ Donor Cover | No | Yes (Covered up to: sum insured) |
| Modern Treatments | Yes | No (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | NA | Related and unrelated illness |
| Refill Trigger | NA | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Once in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | Yes | Yes |
| Bonus Rate | NA | 20% |
| % Settled < 30 Days | 100% | 99.95% |
| % Complaints on Claims | 0.47% | 0.43% |
| Incurred Claim Ratio | 66.28% | 61.64% |
| Claim Settlement Ratio (No.) | 95.19% | 90.64% |
| Claim Settlement Ratio (Value) | 87.97% | 74.32% |
| Claim Rejection Ratio | 3.10% | 7.30% |
| Cashless Hospitals | 22,100+ | 10,000+ |
| Affordability | NA | Expensive |
| Plan Type | Individual | Individual / Family Floater |