Care Insurance Care Freedom vs Niva Bupa Aspire (Titanium+)

This plan is a cost-effective option compared to other products in the market, making it budget-friendly. This plan provides coverage for pre-existing diseases that are often not covered by other plans. However, it does not offer comprehensive coverage. Moreover, the plan applies sub-limits on core benefits, such as domiciliary hospitalization costs and common treatments like cataract and joint replacement, which could result in significant out-of-pocket expenses. The plan also doesn't allow you to pay premiums on a monthly basis, and every time you make a claim, you'll have to bear a certain % of the approved claim amount. Additionally, according to our research, the insurer has received a higher number of claim settlement as well as policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchase and claims service experience.

This plan offers a variety of unique features and benefits, making it an excellent choice if you want to purchase a plan that is tailored to your specific healthcare needs. It offers several features to encourage youngsters to enrol at the earliest opportunity, like the option to pay premium as per entry age till first claim, passing on served waiting period to future spouse and more. It extends coverage beyond hospitalization to encompass various expenses, including maternity, overseas treatment, consumables, etc. On the flip side, however, the plan does not offer the option for monthly premium payments. Additionally, based on our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.