Choosing between Care Health Insurance and Niva Bupa can be challenging. Both are well-established health insurers with competitive plans and strong claim histories. This side-by-side comparison will help you decide which insurer is a better fit based on your health needs, budget, and preferences.
Company Overview
Care Health Insurance:
A leading standalone health insurer offering value-packed plans with wide coverage and flexibility. Known for affordable pricing and strong digital claim handling.
Niva Bupa Health Insurance:
Formerly Max Bupa, Niva Bupa offers a range of retail and senior citizen-focused plans. It has a reputation for fast cashless approvals and a large hospital network.
Comparison Table - Care vs Niva Bupa
| Feature |
Care Health Insurance |
Niva Bupa Health Insurance |
| Claim Settlement Ratio |
96.06% |
99.99% (as per IRDAI 2022-23) |
| Network Hospitals |
9,400+ |
10,000+ |
| Cashless Claim Approval Time |
Within 2 hours |
Within 30 minutes |
| Entry Age |
91 days to 99 years |
91 days to no upper age limit |
| Pre & Post-Hospitalization |
30 & 60 days |
60 & 90 days |
| Renewal Benefits |
Free health checkups, NCB |
No-claim bonus, booster benefits |
| Digital Experience |
App & web claims |
App & web claims |
Ideal Use Cases
- Choose Care Health Insurance if:
- You want lower premiums with solid coverage
- You’re insuring a young family or small group
- You need basic maternity or critical illness add-ons
- Choose Niva Bupa Health Insurance if:
- You want fast cashless claim approvals
- You’re insuring senior citizens or high-risk individuals
- You need plans with unlimited restoration or high customization
Premium Comparison
Premiums vary by age, city, and plan features. On average:
- A 30-year-old individual for ₹10 lakh sum insured:
- Care: Approx ₹7,000 to ₹9,000/year
- Niva Bupa: Approx ₹9,000 to ₹11,000/year
Always compare live quotes to get the most accurate pricing.
Policy Portability
Both insurers allow you to port from your existing provider. PolicyBachat can help you:
- Compare available plans
- Retain waiting period benefits
- Move to a better plan during renewal
Frequently Asked Questions
Can I switch from Care to Niva Bupa or vice versa?
Yes. Use the portability option during renewal and carry over benefits.
Which insurer is better for family floater plans?
Both offer competitive options, but Care may be more affordable for younger families.
Does Niva Bupa offer unlimited restoration?
Yes, certain Niva Bupa plans like ReAssure include unlimited restoration.
Final Verdict - Which One Should You Choose?
Both Care and Niva Bupa are excellent insurers. If affordability is your priority, start with Care. If you want faster claims and richer features, Niva Bupa may be a better fit.
Use PolicyBachat to compare plans, view premiums, and select the right coverage. - Compare Now