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Niva Bupa Vs HDFC ERGO Health Insurance

Niva Bupa Vs HDFC ERGO Health Insurance

Niva Bupa was created in 2008 and is a well-known name in the insurance industry, both in India and internationally. Individual, family, wellness, critical care, COVID-19 plans, and other specialised health care insurance are available via the organisation.

HDFC ERGO was established in 2002 and offers a wide range of plans, including individual, family, elderly citizen, critical illness, COVID-19 plan, and so on. It belongs to the HDFC Group.

Choose between Niva Bupa and HDFC ERGO health insurance coverage based on a variety of factors.

Online in India, compare the benefits and features of Niva Bupa vs HDFC ERGO Health Insurance Plans. Examine both insurance companies' various health insurance plans, network hospitals, claim settlement ratio, and incurred claim ratio.

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Niva Bupa provides health insurance policies to protect you and your loved ones. The following are important features:

  • HEALTH COMPANION, GOACTIVE, HEALTH PREMIA, and SUPER SAVER are some of the health insurance plans available, each with its own set of benefits.
  • Pre- and post-hospitalization charges, alternate therapy, day-care treatment, in-patient care, organ donor transplant, emergency ambulance, health check-ups, pregnancy and newborn care, and so on are all included.
  • In advanced family plans, includes improved benefits such as a daily health coach, second opinion expenses, OPD consultation, home healthcare services, mental illness treatment, foreign coverage, and more.
  • Provides a guarantee of policy renewal. A co-payment option is available in some insurance.
  • Extended plans are available for bigger families.


For you and your family, HDFC ERGO offers a comprehensive and reasonable health insurance coverage. The following are some of the highlights:

  • Available to those who are at least 18 years old.
  • Pre- and post-hospitalization charges, in-hospital and day-care procedures, AYUSH therapy, cashless home healthcare, health check-ups, and so on are included.
  • Covers the costs of mental health treatment.
  • Allows healthy people up to 45 years old to acquire an insurance without having to take a medical exam.
  • Provides financial assistance in the event of a 10-day or longer stay in the hospital.
  • It's possible to renew it indefinitely.


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