In today’s fast-paced life, we hardly pay attention to our health. Due to daily running, stress and many other reasons, people are falling prey to diseases at a young age. Choosing the best health insurance is a difficult task. But I’m going to make it a little easier.
In today’s post, we are going to compare some of the important metrics in Niva Bupa Aspire, Niva Bupa ReAssure 2.0 and HDFC Optima Super Secure Health Insurance.
Niva Bupa and HDFC are two of the most popular health insurances in India. We will start with Niva Bupa Health Insurance. For any insurance, it’s essential to look at its key metrics first.
Table of Contents
Niva Bupa Health Insurance: Key Metrics
If we consider the average data of the past three years, Niva Bupa’s claim settlement ratio is 91%, which is 1% above the industry average. The complaint volume of Niva is 43 per 10,000 while the industry average is 23. So clearly, Niva Bupa has some issues when it comes to claim processing.
| Metric | Niva Bupa | Industry Average |
|---|---|---|
| Claim Settlement Ratio | 91% | 90% |
| Incurred Claim Ratio | 58% | — |
| Complaint Volume | 43 per 10,000 | 23 per 10,000 |
- The Claim Settlement Ratio of Niva Bupa health insurance is slightly above industry average but I would still consider this to be on the lower side.
- Incurred Claim Ratio of 58% shows they are a bit conservative in settling claims, something that reflects in their complaints volume too..
These parameters are a bit weak but not so much that the company should be rejected altogether. If the plans are good, then the company can certainly be considered. And this is where Niva Bupa shines—they have some really good plans.
Niva Bupa Aspire Health Insurance: Unique Features
Variants: Bronze, Gold, Titanium, etc.
Unique Features
- Booster+ Benefit
- Unutilized sum insured carries forward to the next year.
- Can accumulate up to 10x of base cover.
- Example:
- Base cover = ₹20 lakhs
- No claim for 10 years → Total cover becomes ₹2.2 Cr (₹20 lakhs base + ₹2 Cr booster)
- Miracle Feature (Maternity & Parenthood Benefit)
- Covers delivery, newborn expenses, surrogacy, IVF, adoption, etc.
- Delivery cover capped at ₹25,000.
- Add-on available: Fast Forward – Pay 3 years premium upfront to get ₹75,000 maternity cover after 9 months.
- Cash Bag (Not Cashback)
- A wallet linked to the Niva app.
- Like a no-claim benefit.
- Get 10% cashback in the first year, 5% in subsequent years if no claim is made.
- Global Coverage: “Border” Feature
- Allows claims from anywhere in the world for planned/emergency treatments.
- Lock the Clock
- Premium remains locked at the current age until the first claim.
- After the claim or post 10 years, premium is recalculated based on age.
Niva Bupa ReAssure 2.0: Key Differences
Includes two of Aspire’s features:
- Lock the Clock
- Booster+
Does NOT include:
- Miracle
- Global Coverage
Niva Bupa Health Insurance Policy Basics Comparison
| Feature | Aspire | ReAssure 2.0 |
|---|---|---|
| Available as | Individual & Floater | Individual & Floater |
| Max Entry Age (Individual) | 65 years | 99 years |
| Child Age (Floater) | 90 days – 30 years | 90 days – 30 years |
| Daycare, Ayush, Home Care | Yes | Yes |
| Emergency Ambulance | Actuals | Up to ₹2.5 lakh |
| Pre/Post Hospitalization | 60 / 180 days | 60 / 180 days |
| Wellness Benefit | Yes (up to 30%) | Yes (up to 30%) |
Coverage & Limits Comparison
| Category | Aspire | ReAssure 2.0 |
|---|---|---|
| Minimum Sum Insured | ₹3 lakhs | ₹5 lakhs |
| Maximum Sum Insured | ₹1 Cr | ₹1 Cr |
| Full Body Check-up | Actuals (Once a year) | ₹10,000 cap |
| Modern Treatments | Full cover | ₹1 lakh sublimit (robotics) |
Premiums
- Aspire’s premium is 5–7% higher than ReAssure 2.0
- ReAssure 2.0 provides sufficient features for 95% people.
HDFC Ergo Optima Super Secure: Why It’s a Top Choice
Now Let’s Look at HDFC Ergo Optima. One of the best in the industry.
HDFC Optima Plan Variants
- Includes both Individual & Floater Plans
- Most premium variant: Optima Super Secure
Key Features
- Super Secure Benefit
- From Day 1, your base cover is 3x.
- Base ₹50 lakhs → becomes ₹1.5 Cr instantly.
- Plus Benefit
- Like a loyalty bonus.
- 50% increase each year, up to 100%.
- ₹50 lakhs → ₹1 Cr in 2 years.
- Restore Benefit
- 100% restoration after first claim.
- Add-on available for unlimited restorations.
- Protect Benefit
- Covers non-medical expenses (gloves, syringes, etc.)
- These can be 10–11% of the total bill.
| Metric | HDFC Ergo Optima Super Secure |
|---|---|
| Max Base Cover | ₹2 Cr |
| Total Possible Cover | ₹10 Cr |
| Entry Age Limit | 18–65 years |
| Family Members Covered | 4 adults + 6 kids |
Head-to-Head: Niva Bupa Aspire vs HDFC Ergo Optima
Where HDFC Ergo Optima Wins
| Metric | HDFC Ergo Optima Secure | Niva Bupa Aspire |
|---|---|---|
| Cover | 2 Crores | 3 Lakhs – 1 Crore |
| Room Rent | No Room Rent Capping | No Room Rent Capping |
| Claim Settlement Ratio | 97.50 | 91.00 |
| Incurred Claims Ratio | 85.27 | 57.42 |
| Complaint Volume | 7 | 43 |
Where Niva Bupa Wins
| Feature | HDFC Ergo Optima Secure | Niva Bupa Aspire |
|---|---|---|
| Maternity Benefits | Requires add-on | Included |
| Emergency Ambulance | ₹5 lakhs cap | As per Actuals |
| Refill/Restore Benefit | Once for Any Illness | Unlimited for any illness |
| Wellness Benefit | Not included (as of now) | Included up to 30% |
| OPD Benefit | Not available | Available via rider |
Download Health Insurance Comparison PDF
Conclusion
Even though we’ve covered benefits, features, and comparisons—making the right decision is still tough. To avoid all this confusion, you can get in touch with Ditto Insurance. They’ll make the whole insurance process smooth as butter.
Ditto is an insurance advisory backed by Zerodha. They’ll do all the heavy lifting—from finding the best policy to issuing it to tracking your premiums. All of this is free.
Just book a free consultation call with Ditto. Within three days, an advisor will be assigned to guide you throughout the process. And don’t worry—they won’t spam your phone like others do. Ditto is known for its spam-free promise.
Your Health, Your Choice—But Make It Informed
