Care Health Insurance vs Max Bupa Health Insurance

If you are the breadwinner of your family, you might have always gone the extra mile to secure their physical, mental, and financial safety. If you have invested in financial tools such as investments, savings, and life insurance, you have made a great start. But how about going all the way and adding health insurance to the list as well? Health insurance secures the well-being of you and your loved ones and takes care of all the medical expenses to ensure that. If you are skeptical about health insurance, take a read through this comparison guide of Care Health Insurance vs Niva Bupa (Max Bupa) Health Insurance. 

Care Health Insurance vs Niva Bupa (Max Bupa) Health Insurance – Overview

Parameter  Care Health Insurance Niva Bupa (Max Bupa) Health Insurance
No. of health insurance policies 14+ 14+
E-services Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support  Policy salePolicy renewalClaim settlementOnline consultationBranch locatorAssistive chat services
Branches 1000+ 25+
Claim settlement ratio 95.2% 92%
Cashless claim settlement time  Within 2 hours Within 30 minutes 
Hospital network 7,800+ 5,000+

Source: Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – 2019-20. 

Health Insurance Policies: Care Health Insurance vs Niva Bupa (Max Bupa) Health Insurance

Care Health Insurance has reached the pinnacle of health insurance services since its establishment in 2012. It has a health insurance policy for everyone – whether they are individuals, small and large families, senior citizens, mothers, newborn babies, parents, or corporate groups. 

Operating from 2008, Niva Bupa (Max Bupa) Health Insurance is one of the top insurance providers in the country. They offer some of the most comprehensive and all-encompassing health insurance policies, covering cardiac diseases, critical ailments, accidents, and more. 

Both Care Health Insurance and Niva Bupa (Max Bupa) Health Insurance have excellent credentials to their name – whether that is their claim settlement ratios, their turnaround times, or the network of hospitals associated with them. 

Family Floater Policy:

Care Health Insurance offers 3 insurance policies for family health care: 

  • Care 
  • Care Advantage
  • Care Freedom 

These policies provide: 

  • Sums insured (SI) up to Rs. 6,00,00,000
  • Coverage for: 
  • Pre and post-hospital care  
  • In-patient hospital care 
  • Domiciliary/ home hospital care 
  • Daycare procedures 
  • Organ donor expenses
  • Home nursing care
  • Advanced technology treatments 
  • Lifestyle diseases 
  • Ambulance charges 
  • Second medical opinion
  • Health check-up 
  • A companion benefit 
  • A daily consumables allowance 
  • Add-on covers for: 
  • Diagnostic tests 
  • OPD consultations 
  • Unlimited e-consultation 

Niva Bupa (Max Bupa) offers 7 insurance policies for family healthcare: 

  • GoActive
  • Money Saver 
  • SuperSaver 
  • ReAssure 
  • Health Premia
  • HeartBeat
  • Health Companion

These policies provide: 

  • SI up to Rs. 3,00,00,000
  • Coverage for: 
  • Pre and post- hospital care  
  • In-patient hospital care  
  • Domiciliary/ home hospital care  
  • Daycare procedures 
  • Alternative treatments (AYUSH) including: 
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Organ donor expenses 
  • Maternity and newborn baby care 
  • Out-patient departmental treatment
  • Advanced technology treatments
  • Ambulance charges 
  • Restoration of the SI 
  • Second medical opinion
  • Health check-up

Critical Illness Policy:

Care Health Insurance’s Critical Illness Policy called ‘Assure’ provides: 

  • SI up to Rs. 2,00,00,000
  • Coverage for:
  • 32 life-threatening illnesses such as: 
  1. Cancer 
  2. Coma
  3. Major burns
  4. Bacterial meningitis 
  5. End-stage lung disease 
  6. HIV
  • Pre and post-hospital care 
  • In-patient hospital care 
  • Daycare procedures
  • Organ donor expenses
  • Annual health check-up
  • Doctor consultations
  • Alternative treatments
  • Road/ air ambulance charges
  • Recovery counselling sessions 
  • International second medical opinion
  • A chemotherapy, radiotherapy, OPD and dialysis cover 

Niva Bupa (Max Bupa)’s Critical Illness Policy, called Criticare offers: 

  • SI up to Rs. 2,00,00,000
  • 100% payout of the SI on the diagnosis of a listed critical illness 
  • Coverage for 20 life-threatening illnesses such as: 
  • Cancer 
  • Multiple sclerosis 
  • Motor neuron disease 
  • Kidney failure
  • Permanent paralysis  
  • Nursing care 
  • Diagnostic tests 
  • Prosthetic implants 
  • Physiotherapy care 
  • Ambulance charges 
  • Discounts on premiums for long-term policies 

Corona Kavach Policy: 

All insurance providers, including Care Health Insurance and Niva Bupa (Max Bupa) Health Insurance, offer the standard and affordable COVID-19 insurance policies. 

The Corona Kavach Policy provides: 

  • SI up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospital care 
  • In-patient hospital care 
  • Domiciliary/ home hospital care
  • AYUSH treatments
  • Comorbidity treatment 
  • Ambulance charges

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