Quote Form
Request successfully submitted
Our representative will call you within few minutes
Health Insurance 1895 views November 20, 2020
It is really necessary for every individual to secure their family and themselves from the health risks by taking a health insurance plan. It protects the individual from many medical risks that could arise in the future. Once you have taken a health insurance plan then it will be very useful to maintain financial stability when you go through a medical emergency. But there are many individuals who are confused between Niva Bupa Health Companion Family First Vs HDFC Health Suraksha Gold with Regain plan. Both of these plans provide various health benefits so it is necessary that you should know the differences between these two plans.
Table of Contents
Comparison of Niva Bupa Health Companion and HDFC Health Suraksha Gold Plan
Now, you must go through the various health expenses that are covered in these plans. You can compare the risk that will be covered in these plans and find the best plan as per your requirement. Once you know the difference then it will be easy for you to select one plan for yourself.
| Basis of Comparison | Niva Bupa Health Companion Family First | HDFC Ergo Health Suraksha Gold with Regain |
|---|---|---|
| Hospitalization Charges Cover including Surgeon Fees, Anesthetic Charges, Nursing Charges | Fully Covered | Actual Cost Incurred |
| Day Care Treatments Cover | Yes | Yes |
| OPD Cover | Not Included | Not included |
| Pre Health Check-up Age for taking the plan | Needed for all Ages | After 45 Years |
| Hospital Room’s Rent Cover | Actual Expenses | Actual Expenses |
| ICU’s Rent during Hospitalization | Not Covered | Covered |
| Ayurvedic Treatment Cover | Covered | Covered |
| Pre-Hospitalization Expenses | Actual Cost for up to 30 Days | Actual Cost for up to 60 Days |
| Post-Hospitalization Expenses | Actual Cost for up to 60 Days | Actual Cost for up to 180 Days |
| Organ Donor Expenses | Covered | Covered |
| Lifetime Renewability | Available | Available |
| Emergency Ambulance Cover | Covered up to Rs.3000 | Covered up to Rs.2000 |
| Tax Benefits | Under Section 80D of the Income Tax Act | Under Section 80D of the Income Tax Act |
| Domiciliary Treatment Cover | Covered | Included |
| Maternity Expenses Cover | Not Available | Waiting Period of 48 months will be applicable |
| Hospital Cash Benefit | Optional Cover | Optional Cover |
| Recharge of the Sum Assured | Available | Not Available |
Comparison of Eligibility Criteria of the Health Insurance Plans
Now you must check the eligibility criteria for buying these plans. The eligibility criteria will help you to understand whether you can take this plan or not. After knowing the eligibility criteria it will be easy for you to choose the best plan depending upon your requirement and eligibility.
| Basis of Comparison | Niva Bupa Health Companion Family First | HDFC Ergo Health Suraksha with Regain Benefits |
|---|---|---|
| Minimum Age of Entry | 18 Years | 18 Years |
| Maximum Age of Entry | Lifelong | 100 years |
| Maximum Renewal Age | Lifelong | Lifelong |
| Minimum Age of Entry for a Dependent Child | 3 Months | 91 Days |
| Maximum Age of Entry for a Dependent Child | 21 Years | 21 Years |
| Policy Term | 1 Year and 2 Years | 1 Year and 2 Years |
| Minimum Amount of Sum Assured | Rs.5 Lacs | Rs.7.5 Lacs |
| Maximum Amount of Sum Assured | Rs.1 Crore | Rs.50 Lacs |
| Cashless Hospital Facility | 3500+ Hospitals | 6000+ Hospitals |
| Co-Payment | Not Needed | Not Needed |
| Free-Look Period | 15 days if the policy is purchased from the company and 30 days if the policy is purchased online. | 15 days if the policy is purchased from the company and 30 days if the policy is purchased online. |
| Grace Period | 30 Days | 30 Days |
| International Treatments | Not Covered | Not Covered |
| Family Members Allowed | Self, Spouse, Parents, and Dependent Children | Self, Spouse, Parents, and Dependent Children |
Conclusion
It is better that you should know the difference between Niva Bupa Health Companion Family First vs HDFC Health Suraksha Gold with Regain plan because it will help you to buy an accurate health insurance plan. On the other hand, both of these plans are unique in their own way and they will protect you from various health risks that might arise in the future. Therefore it is wise to take a health plan at an early stage because you never know when a medical emergency can arise. Have a deep comparison of these two plans and then choose the one as per your needs and eligibility.