Niva Bupa (Max Bupa) Health Insurance vs Oriental Health Insurance

Purchasing a health insurance plan is a wise decision. It secures you against the financial burdens arising from unforeseen health emergencies. However, you should trust only the leading health insurance providers like Niva Bupa (Max Bupa) Health Insurance and Oriental Health Insurance, to be sure of full support in the critical hours when you actually need the support of the insurer. Read this comparison guide to understand the types of coverage these health insurance companies provide.

Niva Bupa (Max Bupa) Health Insurance versus Oriental Health Insurance – Overview 

Parameter Niva Bupa (Max Bupa) Health Insurance Oriental Health Insurance
Number of health insurance plans 10+ 10+
E-services Policy sale
Policy renewal
Claim settlement
Online consultation
Branch locator
Assistive chat services
Policy sale
Policy renewal
Claim settlement
Online consultation
Branch locator
24×7 customer support 
Branches 25+ 1000+
Incurred claims ratio 54% 113.86%
Claim settlement ratio 92% 94.28%
Hospital network 5,000+ 4,300+

*Source: IRDAI Annual Report, 2018-19

Health Insurance Plans: Niva Bupa (Max Bupa) Health Insurance versus Oriental Health Insurance

Niva Bupa (Max Bupa) provides more than 10 health insurance policies against critical ailments, accidents, COVID-19, and other health problems. They cover the requirements of individuals, large families and senior citizens, as well as maternity benefits and the needs of newborn infants.

Oriental Health Insurance offers over 10 health insurance policies against accidents, critical illnesses, and COVID-19, among other health conditions. These plans also cover the needs of individuals, families, senior citizens, and corporate groups. 

This Niva Bupa (Max Bupa) Health Insurance and Oriental Health Insurance comparison will help you purchase a health plan offering the most useful features. 

Family Floater Insurance Plan: 

Niva Bupa (Max Bupa) offers 5 family floater health insurance plans – Health Premia, Health Companion, GoActive, ReAssure and HeartBeat. These plans provide: 

  • Sum insured (SI) amounts up to Rs.3 crore at affordable premium rates
  • Indemnification for pre, post and in-hospitalization
  • Reimbursement for daycare treatment, alternative treatment and home treatment 
  • Maternity and newborn baby cover 
  • Payouts for bariatric surgery, robotics surgery, laser surgery
  • Coverage for mental disorders and organ transplant 
  • E-consultation and emergency ambulance services 

Oriental Health Insurance offers a ‘Happy Family Floater Policy’ that features 3 sub-plans (Silver, Gold and Diamond). They offer:

  • Reimbursement for pre, post and in-hospitalization costs (including doctor and nursing fees, room rent expenses, etc.) 
  • Indemnification of AYUSH treatment expenses 
  • Coverage for domiciliary hospitalization (up to the SI) 
  • Maternity and newborn baby cover in the Diamond sub-plan
  • Insurance against mental disorders and organ donor benefit (10% of SI) 

Personal Accident Insurance Plan: 

Niva Bupa (Max Bupa) Personal Accident Insurance Plan offers: 

  • 100% SI payout in case of accidental deaths 
  • 125% of the SI in the event of permanent total disability 
  • 100% of the SI for permanent partial disability 
  • 1% of the SI for 100 weeks in temporary total disability
  • Child education benefits amounting to Rs.5 lakhs in case of accidental death or permanent total disability

Oriental Health Insurance Personal Accident Insurance Plan offers: 

  • 100% of the SI in the event of accidental death and permanent total disability
  • 50% of the SI in permanent partial disability 
  • 100% SI in case of loss of employment due to permanent total disability 
  • Payout of 2%-20% of the SI in case of temporary total disability 
  • Education funds for dependent children 
  • Payment of transportation costs and funeral expenses 

Corona Kavach Insurance Plan: 

Niva Bupa (Max Bupa) Corona Kavach Plan offers: 

  • SI between Rs. 50,000 and Rs.5 lakhs
  • Reimbursement for pre, post and in-patient hospitalization 
  • Indemnification for domiciliary hospitalization
  • Payouts for alternate (AYUSH) treatment 
  • Coverage for comorbidities arising from COVID-19
  • Policy terms spanning 3.5, 6.5 and 9.5 months

Oriental Health Insurance Corona Kavach Plan offers:

  • Indemnification of pre, post and in-hospitalization expenses 
  • Financial cover for domiciliary hospitalization 
  • Reimbursement for AYUSH treatment
  • Coverage for ambulance expenses (subject to policy limitations) 
  • Inclusion of co-morbidities arising from COVID-19 
  • 3.5, 6.5 and 9.5 months’ policy terms

Read the policy wordings of Niva Bupa (Max Bupa) Health Insurance and Oriental Health Insurance with care to understand the terms and conditions before buying. In case you need more clarity, you can reach out to professional insurance experts to purchase health insurance.

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