Niva Bupa Aspire (Titanium+) vs Royal Sundaram Lifeline (Supreme)

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.

This plan is a good option for those seeking cost-effective yet comprehensive health insurance coverage. It combines affordability with an array of features and benefits, making it an ideal choice. Not only is it much cheaper than similar products in the market, but it also offers coverage for numerous expenses such as infertility treatment, bariatric surgery, expenses related to mobility devices such as wheelchairs, crutches, etc. along with hospitalization-related expenses. The plan also includes ambulance coverage for app-based cab services like Ola and Uber. On the flip side, however, you cannot choose to pay the premiums on a monthly basis. And, based on our research, the insurer has received higher policy purchase complaints but has fewer claim settlement complaints.