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Niva Bupa Aspire (Titanium+) vs New India Floater Mediclaim
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Niva Bupa Aspire (Titanium+) with similar Health Insurances
New India Floater Mediclaim with similar Health Insurances
Compare Niva Bupa Aspire (Titanium+) and New India Floater Mediclaim
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.
New India Floater Mediclaim
New India Assurance Company Limited has a claim settlement ratio of 75.16% and claims incurred ratio of 104.53%. It has settled 74.37% of claims in less than 30 days. The company 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.
New India Floater Mediclaim
New India Assurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it the better choice.
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.
New India Floater Mediclaim
As part of the New India Floater Mediclaim Policy, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 30 days before hospitalisation and post-hospitalisation expenses are covered for 60 days after discharge, both up to the sum insured. Additionally, the plan covers 139 day care treatments and inpatient organ donor expenses up to the sum insured. It also covers modern treatments, but has certain financial sub-limits for various procedures. The New India Mediclaim Floater Policy comes with a room rent limit up to 1% of the sum insured for each day and an ICU rent limit up to 2% of the sum insured for each day. There are no copays or deductibles levied by the plan. Certain common treatments or surgeries come with financial sub-limits, like cataract treatments, which are covered up to Rs 1 lakh per eye per policy year as an option; however, joint replacement surgeries are covered up to the sum insured. The New India Floater Mediclaim Policy has a waiting period of 48 months for pre-existing diseases and a waiting period of 3/24/48 months for specific diseases (varies as per the disease).