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Niva Bupa Aspire (Titanium+) vs Bajaj Allianz Health Guard (Gold)
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Niva Bupa Aspire (Titanium+) with similar Health Insurances
Bajaj Allianz Health Guard (Gold) with similar Health Insurances
Compare Niva Bupa Aspire (Titanium+) and Bajaj Allianz Health Guard (Gold)
Claims Track Record:
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.
Bajaj Allianz Health Guard (Gold)
Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. It has a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Moreover, it has received fewer complaints related to claims as compared to other insurers.
Service Experience:
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.
Bajaj Allianz Health Guard (Gold)
Bajaj Allianz General Insurance Company Limited offers customer service via a toll-free number and Twitter. They both have average response rates. If you have questions or issues, you can get in touch with the company through either of these channels.
Product Benefits:
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.
Bajaj Allianz Health Guard (Gold)
The Bajaj Allianz Health Guard (Gold) Plan covers 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 90 days after discharge, both up to the sum insured. The plan covers 399 daycare treatments and all modern treatments up to the sum insured. The cost of harvesting the organ from the donor is also covered up to the sum insured. In the Bajaj Allianz Health Guard (Gold) plan, you can choose any room type - there's no restriction on room rent. Furthermore, there's no limit on ICU rent and no deductible. However, the plan comes with an optional copayment of 10% or 20%. Cataract surgery is covered up to 20% of the sum insured per eye per policy year (up to a maximum of Rs 1 lakh) and joint replacement surgery is covered up to the sum insured. There's a 36-month waiting period for pre-existing conditions and a 24-month waiting period for specific diseases, out of which some conditions come with a 36-month waiting period.