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| Feature | Care - Insurance Senior Health Advantage | Niva Bupa - ReAssure 2.0 (Platinum+) |
|---|---|---|
| Room Rent Limit | Capped | NA |
| Disease Sub-limit | Yes | NA |
| Initial Waiting (Days) | NA | 30 |
| Pre-existing Disease Waiting (Years) | 1 | 3 |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | No | No (Covered up to: sum insured) |
| Organ Donor Cover | No (Covered up to: sum insured) | No |
| Modern Treatments | Yes | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | NA | 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 | Yes |
| Bonus Rate | NA | 500% |
| % Settled < 30 Days | Quick | 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 | Expensive | NA |
| Plan Type | Individual | Individual / Family Floater |