Edelweiss Health Insurance vs Niva Bupa (Max Bupa) Health Insurance

A health insurance plan is the financial cushion one needs in times of medical crises. It takes away the stress of bearing hospitalization and medical costs and lets you focus on recovering. To pick a plan matching your needs, you can carry out an online comparison of the health insurance plans offered by different providers. You can start with this Edelweiss Health Insurance and Niva Bupa (Max Bupa) Health Insurance comparison guide. 

Edelweiss Health Insurance versus Niva Bupa (Max Bupa) Health Insurance – Overview 

Parameter Edelweiss Health Insurance Niva Bupa (Max Bupa) Health Insurance
Number of health insurance plans 6 10+
E-services Policy sale
Policy renewal 
Claim settlement 
Branch locator
Online consultation
24×7 customer support 		 Policy sale
Policy renewal 
Claim settlement 
Branch locator
Online consultation
24×7 customer support t 
Branches 10+ 25+
Incurred claim ratio 70% 54%
Claim settlement time Cashless claim processing within 72 hours Cashless claim processing within 30 minutes
Hospital network 2,570+ 5,000+


Source: IRDAI Annual Report, 2018-19 

Health Insurance Policies: Edelweiss Health Insurance and Niva Bupa (Max Bupa) Health Insurance

Edelweiss Health Insurance has 6 health insurance policies. They provide coverage against accidents, critical illnesses and COVID-19 among other eventualities. All their policies can be availed on an individual and family floater basis.

Niva Bupa (Max Bupa) has 10+ health insurance policies. They provide extensive coverage against critical illnesses, accidents, COVID-19, and other health concerns. They cover individual, family, senior citizen, maternity and newborn needs. 

This 3-plan comparison of Edelweiss Health Insurance versus Niva Bupa (Max Bupa) Health Insurance will show you the benefits of some of the health insurance plans offered by these companies. 

Family Health Insurance Policy: 

Edelweiss Health Insurance has three family health insurance policies – Silver, Gold, and Platinum.They offer: 

  • A sum insured (SI) amount up to Rs.1 crore
  • Coverage for pre, post and in-hospitalization charges 
  • Inclusion of daycare procedures and organ donor transplantation
  • Reimbursement for AYUSH treatment and domiciliary hospitalization (up to the SI)
  • Critical illness coverage (only in the Gold and Platinum plan) 
  • Provision of maternity benefit and recovery benefit 

Niva Bupa (Max Bupa) has 4 family-centric health insurance plans – The Health Premia, Health Companion, GoActive and HeartBeat. They offer… 

  • SI amount up to Rs.3 crore at premium rates as low as Rs.1060 per year. 
  • Coverage for pre, post and in-hospitalization charges
  • Inclusion of daycare treatment, alternative treatment, organ donor transplantation
  • Provision of maternity and newborn cover 
  • In-built travel insurance and international coverage 
  • Reimbursement for home care treatment, mental health disorders, and OPD and diagnostic charges 

Arogya Sanjeevani Policy: 

Edelweiss Arogya Sanjeevani Policy offers: 

  • SI between Rs.1 lakh- Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization expenses 
  • Up to 2% coverage of SI for daily room rent expenses 
  • Up to 25% coverage of SI for cataract treatment and full coverage for AYUSH treatment 
  • Inclusion of pre-existing diseases after the completion of a 48-month waiting period 
  • No upper-age limit for coverage 

Niva Bupa (Max Bupa) Arogya Sanjeevani Policy offers:

  • SI between Rs.1 lakh – Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization expenses 
  • Inclusion of daycare treatment and AYUSH treatment 
  • Up to 25% coverage of SI for cataract treatment 
  • Up to 50% reimbursement for SI for 10+ modern/advanced treatments
  • No upper-age limit for coverage 

Corona Kavach Policy: 

Edelweiss Corona Kavach Policy offers: 

  • SI between Rs.50 thousand and Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization expenses
  • Option to avail home treatment and coverage for AYUSH treatment 
  • 25% discount on premium
  • Waiver of pre-policy medical checkup for individuals aged below 61 years 
  • Policy for 3.5, 6.5 and 9.5 months

Niva Bupa (Max Bupa) Corona Kavach Policy offers: 

  • SI between Rs.50 thousand – Rs.5 lakhs at premium rates as low as Rs. 1039 
  • Coverage for pre, post and in-patient hospitalization expenses
  • Coverage for home treatment and alternate treatment expenses
  • Coverage for co-morbidities arising from COVID-19
  • No limit on room rent 
  • Policy for 3.5, 6.5 and 9.5 months

With access to the comparative features of Edelweiss Health Insurance and Niva Bupa (Max Bupa) Health Insurance, your purchasing decision becomes easier. If you need further guidance, you can always get help from professional insurance experts to purchase health insurance.

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