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Care Insurance Care Supreme vs Niva Bupa ReAssure 2.0 (Titanium+)
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Care Insurance Care Supreme vs Niva Bupa ReAssure 2.0 (Titanium+)
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Care Insurance Care Supreme with similar Health Insurances
Niva Bupa ReAssure 2.0 (Titanium+) with similar Health Insurances
Compare Care Insurance Care Supreme and Niva Bupa ReAssure 2.0 (Titanium+)
Claims Track Record:
Care Insurance Care Supreme
Whenever it comes to settling claims, Care Health Insurance Company has a claim settlement ratio of 85.64% and claims incurred ratio of 56.19%. Also, 99.99% of claims were settled in less than 30 days. And, they have higher complaints related to claims as compared to other insurers.
Niva Bupa ReAssure 2.0 (Titanium+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. It has settled 99.95% of claims in less than 30 days. The company has received higher complaints related to claims as compared to other insurers.
Service Experience:
Care Insurance Care Supreme
Care Health Insurance provides customer service via its toll-free number and Twitter channel. According to our research, their Twitter response rate is slow and their toll-free response rate is quick. So, if you're in need of an immediate response, the toll-free number may be the better option.
Niva Bupa ReAssure 2.0 (Titanium+)
Niva Bupa Health Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is average, and the toll-free response rate is average as well.
Product Benefits:
Care Insurance Care Supreme
The Care Insurance Care Supreme Plan provides coverage for hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. The insurer also covers all day care treatments, domiciliary treatments (except 12 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Consumables are also covered up to the sum insured if you opt for an add-on. Care Insurance Care Supreme Plan gives you the freedom to choose any room without imposing any limit. There is no ICU rent limit and copayment/deductible limit. Furthermore, the insurer doesn’t impose any limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. Under the Care Insurance Care Supreme Plan, pre-existing diseases have a 12-month waiting period (if you opt for an add-on) and specific diseases have a 24-month waiting period.
Niva Bupa ReAssure 2.0 (Titanium+)
As part of the Niva Bupa ReAssure 2.0 (Titanium+) Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, inpatient organ donor expenses, and modern treatments (except robotic surgeries) up to the sum insured. It also covers consumables up to the sum insured, if you opt for an add-on. The Niva Bupa ReAssure 2.0 (Titanium+) Plan comes with no room rent limits and ICU rent limits. There are no financial sub-limits on common treatments or surgeries like cataract treatments, joint replacement surgeries, etc., and the plan doesn’t come with any copays either. However, there is an optional deductible of Rs 20,000/Rs 30,000/Rs 50,000/Rs 1,00,000. The Niva Bupa ReAssure 2.0 (Titanium+) Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.