Niva Bupa (Max Bupa) Health Insurance vs Kotak General Health Insurance

Help others, but always help yourself first – is a popular quote told by many. In this grim pandemic, this statement holds even truer. At such a time, if you are helping others then bravo! But while doing so, don’t forget to put yourself first. Gift yourself and your loved ones the care of health insurance. Choose between top insurers such as Max Bupa Health Insurance and Kotak General Health Insurance, or others to start your health insurance journey. 

Niva Bupa (Max Bupa) Health Insurance vs Kotak General Health Insurance – Overview

Parameter	Max Bupa Health Insurance	Kotak General Health Insurance
No. of health insurance policies	10+	10
E-services	Policy salePolicy renewalClaim settlementOnline consultationBranch locatorAssistive chat services	Policy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer support
Branches	25+	1600
Claim settlement ratio (CSR)	92%	97.40%
Cashless claim settlement time	30 minutes	Unspecified
Hospital network	5,000+	4000+

Source: The Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – 2019-20. 

Health Insurance Policies: Niva Bupa (Max Bupa) Health Insurance vs Kotak General Health Insurance

Max Bupa Health Insurance and Kotak General Health Insurance come from reputed and trustworthy parent groups, so you can buy a health insurance policy from either of the two insurers. The former is part of the True North and Bupa conglomerates and offers over 10 health insurance policies. The latter is part of the Kotak Mahindra Group and offers 10 health insurance policies. 

Family Health Insurance:

Max Bupa offers 7 Family Health Policies: 

• GoActive
• MoneySaver 
• HeartBeat
• Health Premia
• Health Companion
• SuperSaver 
• ReAssure 

These policies provide: 

• Sums insured (SI) up to Rs. 3,00,00,000
• Coverage for: 

• Pre and post-hospital care 
• In-patient hospital care
• Domiciliary (home) hospital care
• Alternative (AYUSH) treatments that include:

1. Ayurveda
2. Siddha
3. Unani
4. Homeopathy 

• Organ donor expenses 
• Daycare procedures/ treatments
• Maternity care expenses 
• Newborn baby care 
• Advanced treatments 
• OPD consultations
• Diagnostic tests 
• Ambulance charges 
• Daily hospital cash
• Health check-up

• Restoration of the SI on exhaustion 
• Daily health coach 

Kotak General Health offers 2 Family Health Policies: 

• Kotak Health Care
• Kotak Health Premier

These policies provide: 

• SI up to Rs. 25,00,000
• Coverage for:

• Pre and post-hospital care 
• In-patient hospital care  
• Domiciliary (home) hospital care 
• Nursing care expenses
• AYUSH treatments 
• 405 daycare procedures/ treatments
• Maternity care expenses
• Newborn baby care
• Organ donor expenses 
• Advanced treatments 
• Critical ailments
• Post-accident hospital care 
• Annual health check-up 
• Air and road ambulance charges 
• Second medical e-opinion
• Convalescence benefits 

• Optional add-on covers 
• Restoration of the SI on exhaustion 

Personal Accident Insurance: 

Max Bupa’s Personal Accident Policy offers: 

• SI up to Rs. 5,00,00,000
• Premium prices starting from Rs. 6,444 per year
• 100% of the SI (to the nominee) on accidental death (of the insured)
• 125% of the SI on permanent total disability 
• Up to 100% of the SI for permanent partial disability 
• Weekly cash benefits for up to 100 weeks on temporary total disability 
• A child education benefit for the insured’s dependent children
• Coverage for hospitalization due to an accident 
• Up to Rs. 50,000 for funeral expenses 

Kotak General Health’s Personal Accident Policy offers: 

• 100% SI on the death due to an accident (of the insured)
• 100% SI on permanent total disability 
• Up to 100% SI on permanent partial disability 
• Weekly cash benefits on temporary total disability 
• Coverage for in-patient hospitalization expenses 

Rs. 10,000 towards post-hospitalization convalescence benefits 

• Six optional add-on covers: 

• Carriage of deceased 
• Daily hospital cash 
• Child education grant 
• Ambulance charges 
• Permanent total disability improvement benefit 
• Permanent partial disability improvement benefit 

Saral Suraksha Bima: 

The Saral Suraksha Bima is a standard accident insurance policy offered by all insurers, including Max Bupa Health Insurance and Kotak General Health Insurance. The insurance policy offers the same benefits and includes: 

• SI up to Rs. 1,00,00,000
• 100% of the SI on the death due to an accident
• Up to 100% of the SI on permanent total disability 
• Up to 50% of the SI on permanent partial disability
• Weekly cash benefits on temporary total disability
• Coverage for:

• Education expenses of the insured’s children
• In-patient hospitalization expenses