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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | HDFC Ergo - Optima Restore | Niva Bupa - ReAssure 2.0 (Bronze+) |
|---|---|---|
| Room Rent Limit | No limit | Capped |
| ICU Limit | No limit | NA |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 3 | 3 |
| Pre-Hospitalisation | 60 days (Covered up to: sum insured) | NA |
| Post-Hospitalisation | 180 days (Covered up to: sum insured) | NA |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | Yes (Covered up to: sum insured) | NA |
| Organ Donor Cover | Yes (Covered up to: sum insured) | Yes |
| Modern Treatments | NA | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year (Add-on) | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | Yes | Yes |
| Bonus Max Limit | 100% | NA |
| % Settled < 30 Days | 96.63% | 99.95% |
| % Complaints on Claims | 0.15% | 0.43% |
| Incurred Claim Ratio | 87.04% | 61.64% |
| Claim Settlement Ratio (No.) | 95.19% | 90.64% |
| Claim Settlement Ratio (Value) | 77.69% | 74.32% |
| Claim Rejection Ratio | 2.47% | 7.30% |
| Cashless Hospitals | 15,000+ | 10,000+ |
| Affordability | NA | Affordable |
| Plan Type | Individual | Individual / Family Floater |