Niva Bupa (Max Bupa) Health Insurance vs Universal Sompo Health Insurance

When it comes to taking care of your health, compromise is not an option. While it can be tempting to leave things until the last moment, you can end up paying much more out of your pocket if you do so. Instead of going through all that hassle, why not consider planning early and getting health insurance for you and your loved ones? That way, you will stay safe from inflation and get complete protection. Check out this Max Bupa Health Insurance and Universal Sompo Health Insurance comparison guide to clear any doubts you have about health insurance. 

Niva Bupa (Max Bupa) Health Insurance vs Universal Sompo Health Insurance – Overview 

Parameter Max Bupa Health Insurance Universal Sompo Health Insurance
No. of health insurance policies 10+ 20+
E-services Policy salePolicy renewalClaim settlementOnline consultationBranch locatorAssistive chat services Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Branches 25+ 86
Claim settlement ratio (CSR) 92% 90%
Cashless claim settlement time 30 minutes  72 hours
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 Universal Sompo Health Insurance

Max Bupa Health Insurance offers over 10 health insurance policies and Universal Sompo Health Insurance, over 20 health insurance policies. Both insurers have a good CSR, a quick claim settlement time, and vast network hospitals – so rest assured your healthcare will be in good hands. 

Top-up Insurance: 

Niva Bupa (Max Bupa) offers two top-up insurance policies for extra coverage: 

  • Health Recharge 
  • Money Saver 

These policies provide: 

  • Sums insured (SI) up to Rs. 1,00,00,000
  • Deductible (co-payment) options up to Rs. 10,00,000 
  • Coverage for: 
  • Pre and post-hospital care  
  • In-patient hospital care  (including dental treatment) 
  • Domiciliary (home) hospital care  
  • Hospitalization accommodation expenses 
  • Daycare procedures and treatments 
  • Organ donor transplant expenses
  • Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatments 
  • Mental illnesses and their treatment 
  • Pharmacy and diagnostic services 
  • New-age/Advanced technology treatments
  • Artificial life maintenance equipment costs 
  • Ambulance charges and daily hospital cash 
  • E-consultations and health check-up
  • Optional personal accident and critical covers

Universal Sompo offers a Top-up Policy called ‘Super Healthcare’ for additional coverage. It offers: 

  • SI up to Rs. 1,00,00,000
  • Deductible (co-payment) options up to Rs. 40,00,000 
  • Global coverage for:
  • Pre and post-hospital care
  • In-patient hospital care 
  • Domiciliary (home) hospital care 
  • 141 daycare procedures 
  • Organ donor expenses 
  • AYUSH treatments 
  • Bariatric surgery for obesity-control  
  • Maternity and newborn baby needs 
  • Emergency assistive and wellness services 
  • Ambulance charges and daily hospital cash 
  • Wellness rewards and discounts in premiums
  • A free health check-up on every renewal 

Personal Accident Insurance: 

Max Bupa’s Personal Accident Policy offers: 

  • SI up to Rs. 5,00,00,000
  • 100% of the SI on the demise of the insured due to an accident 
  • 125% of the SI on permanent total disability 
  • Up to 100% of the SI for permanent partial disability 
  • Weekly cash benefits for temporary total disability 
  • An education fund for the insured’s children 
  • Worldwide coverage for:
  • In-patient hospitalization expenses  
  • Nursing expenses 
  • Physiotherapy expenses 
  • Prosthetic implants 
  • Diagnostic tests expenses 

Universal Sompo’s Personal Accident Policy offers: 

  • 100% of the SI on the demise of the insured due to an accident 
  • 100% of the SI for permanent total disability 
  • Up to 50% of the SI for permanent partial disability
  • Weekly cash benefits for temporary total disability 
  • An education fund for the insured’s children
  • A job support benefit of up to Rs. 25,000 
  • Up to Rs. 2,500 for funeral and transportation costs 
  • Ambulance charges up to Rs. 1,000
  • Up to Rs. 1,000 to cover the costs of damaged clothing 

COVID-19 Insurance: 

Both Max Bupa Health Insurance and Universal Sompo Health Insurance offer:

  1. The Corona Kavach Policy, which gives :
  • SI up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • AYUSH treatments 
  • Comorbidity treatment 
  • Ambulance charges 

Universal Sompo also offers the Corona Rakshak Policy that gives: 

  • SI up to Rs. 2,50,000
  • 100% payout of the SI on the diagnosis of COVID-19 on:
  • The positive diagnosis of COVID-19 
  • And a minimum requirement of continuous hospitalization for 72 hours 
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