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Care Insurance Care vs Niva Bupa Aspire (Titanium+)
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Care Insurance Care with similar Health Insurances
Niva Bupa Aspire (Titanium+) with similar Health Insurances
Compare Care Insurance Care and Niva Bupa Aspire (Titanium+)
Claims Track Record:
Care Insurance Care
Care Health Insurance Company has a claim settlement ratio of 85.64% and a claims incurred ratio of 56.19%. It has settled 99.99% of claims within 30 days. Furthermore, it has a high complaint rate related to claims, as compared to other insurers.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. They have settled 99.95% of claims in less than 30 days. Further, they have received a higher number of claim complaints compared to other insurers.
Service Experience:
Care Insurance Care
Care Health Insurance Company provides customer support through its toll-free helpline and Twitter channel. While the toll-free response time is quick, their Twitter response time is comparatively slower. Therefore, if you need an immediate response, using the toll-free number might be the preferable choice.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company offers customer service through their toll-free number and via Twitter. Their Twitter response rate is average and so is the response rate over their toll-free number. So, if you have any questions or concerns, or require assistance, you can expect the same amount of time for assistance.
Product Benefits:
Care Insurance Care
The Care Insurance Care Plan offers comprehensive coverage, encompassing hospitalisation expenses, pre-hospitalisation, and post-hospitalisation costs. Pre-hospitalisation expenses are covered for up to 30 days before hospitalisation, while post-hospitalisation expenses are covered for up to 60 days after discharge, all up to the sum insured. Furthermore, the policy covers 541 day care treatments along with modern treatments, both up to the sum insured. Domiciliary treatments (except 12 illnesses) are covered up to 10% of the sum insured and organ donor expenses related to harvesting the organ are covered up to Rs 1 lakh. Consumables are also covered up to the sum insured. With the Care Insurance Care Plan, you can choose only up to a single private AC room during your hospital stay. There is no ICU rent limit or deductible limit. However, there is a 20% copayment for individuals aged 61 years and above. The policy does not impose any restrictions on common treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. Under this plan, the waiting period for pre-existing diseases is 24 months if you choose an add-on, and specific diseases also have a 24-month waiting period.
Niva Bupa Aspire (Titanium+)
The Niva Bupa Aspire (Titanium+) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 60 days before hospitalisation and post-hospitalisation expenses incurred for 180 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Costs associated with the inpatient expenses of the organ donor are covered up to the sum insured as well. Under Organ Donor Cover, there is a special condition that if you donate any of your organs, the expenses incurred for harvesting the organ from you will also be covered. As for non-medical expenses, they are covered without any limits if included as an add on.
Under Niva Bupa Aspire (Titanium+) Plan, there is no room rent limit as well as ICU rent limit. It also does not have any copayment unless you choose the borderless add-on, which offers several co-payment options. Among these options, you have the flexibility to select a 0% co-payment by opting for a slightly higher premium. It also provides you with the provision of choosing deductible from options - Rs 20,000 /- Rs 30,000/- Rs 50,000/- Rs 1,00,000. Further, there is no limit (covered up to the sum insured) on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. There is a waiting period of 36 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.