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| Feature | The New India Assurance Company - New India Yuva Bharat (Gold) | Niva Bupa - Senior First (Platinum) |
|---|---|---|
| Room Rent Limit | NA | No limit |
| ICU Limit | NA | No limit |
| Specific Disease Waiting (Years) | NA | 2 |
| Pre-existing Disease Waiting (Years) | 2 | NA |
| Domiciliary | NA | Yes (Covered up to: sum insured) |
| Organ Donor Cover | NA | Yes |
| Modern Treatments | NA | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | NA | Related and unrelated illness |
| Refill Trigger | NA | Partial exhaustion of Sum Insured |
| Refill Limit | Twice in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | NA | Yes |
| Bonus Rate | NA | 10% |
| Bonus Max Limit | NA | 100% |
| % Settled < 30 Days | 71.28% | 99.95% |
| % Complaints on Claims | 0.05% | 0.43% |
| Incurred Claim Ratio | 101.32% | 61.64% |
| Claim Settlement Ratio (No.) | 94.98% | 90.64% |
| Claim Settlement Ratio (Value) | 96.36% | 74.32% |
| Claim Rejection Ratio | 1.56% | 7.30% |
| Cashless Hospitals | 20,800+ | 10,000+ |
| Plan Type | Individual | Individual / Family Floater |