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MANU HARISHYour trusted health insurance advisor
HDFC ERGONiva Bupa
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Insurer plans

HDFC ERGO & Niva Bupa Plans

Popular plans explained in simple points, including waiting periods, exclusions and the claim process, so you can choose with full information.

HDFC ERGO

HDFC ERGO Health Insurance

Plans I can help you understand and compare.

HDFC ERGO Optima Secure+
Individual · Family

Optima Secure+

Health cover that grows with your needs

  • Secure Benefit
  • Infinite Benefit
  • Unlimited Automatic Restore
  • Protect Benefit
  • Preventive health check-up
  • In-patient cover, including alternative treatments as per policy terms
  • Optional add-ons such as Optima Wellbeing (outpatient benefits) and my:health Critical Illness
  • Portability from another insurer, subject to IRDAI guidelines and underwriting

Coverage amounts and benefit limits depend on the sum insured and plan variant you choose, so I confirm the exact figures from the policy schedule for you. Waiting periods and exclusions apply. Benefits as per policy wording.

More HDFC ERGO plans will be added here soon.

Niva Bupa

Niva Bupa Health Insurance

Popular Niva Bupa plans explained in simple points.

Niva Bupa ReAssure 3.0
Individual · Family

ReAssure 3.0

A truly unlimited health insurance plan

  • Sum insured with no limits
  • Day 1 coverage for pre-existing disease
  • NivaBupaOne: executive health assessment, priority claims and dedicated support
  • Borderless: treatment anywhere in the world

Benefits as per policy wording. Terms and conditions apply.

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Niva Bupa Aspire
Individual · Family

Aspire

A plan that rewards you for starting young

  • Lock the age: pay premium as per your entry age till you claim
  • Carry forward the balance sum insured
  • Maternity coverage including IVF, adoption and more
  • Use and get back your base coverage, unlimited times and forever

Benefits as per policy wording. Terms and conditions apply.

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Niva Bupa ReAssure 2.0
Individual · Family

ReAssure 2.0

Nothing seems impossible

  • Lock the Clock: pay as per entry age until you claim
  • ReAssure Forever: turns on after the first claim, unlimited times and forever
  • Booster+: carry forward the balance sum insured
  • Safeguard+: non-payable items covered
  • Live Healthy: up to 30% discount on renewal premium based on step count
  • Health checkup starting from day 1

Benefits as per policy wording. Terms and conditions apply.

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Please note: Plan availability, variants, eligibility, coverage, waiting periods and terms are subject to the applicable policy wording and current product offering. HDFC ERGO and Niva Bupa are named only to refer to the insurers whose plans are discussed here. Insurance is the subject matter of solicitation.