Health Insurance comparison
Niva Bupa vs Care Health
Niva Bupa leads on overall score, but the better choice depends on your priorities. Here is how they compare, dimension by dimension.
IRDAI figures side by side
| Measure | Niva Bupa | Care Health |
|---|---|---|
| Claim settlement ratio (latest year)Claims paid out of claims decided, by number. 95% or more is strong; below 90% is a flag. | 92.55% in FY 2024-25 | 96.85% in FY 2024-25 |
| Claims counted in that yearBelow 1,000 claims, the ratio swings too much to compare. Each insurer's review names the exact IRDAI table used. | 10,24,782 reported, 9,42,543 paid | 14,86,706 reported, 14,36,282 paid |
| Three-year average claim settlement ratioShown only when all three years are available. | 91.74% | 93.38% |
| Incurred claims ratioClaims incurred as a share of premium earned, from IRDAI's Annual Report. | 61.63% in FY 2024-25 | 65.10% in FY 2024-25 |
| Complaints to IRDAIGrievances reported, from IRDAI's Handbook. | 7,970 in FY 2024-25, 77.8 per 10,000 claims | 10,281 in FY 2024-25, 69.2 per 10,000 claims |
| Solvency ratioIRDAI's minimum is 1.50. | 3.03 at 31 Mar 2025 | 1.68 at 31 Mar 2025 |
Sources: IRDAI Handbook on Indian Insurance Statistics 2024-25, IRDAI Annual Report 2024-25 and insurers' NL-37 public disclosures. Each insurer's review lists the exact table and link. See how we calculate these.
On the latest claim settlement ratio, Care Health is ahead. A ratio is one year's record, so weigh it with complaints and the plan wording.
Side-by-side scores
| Dimension | Niva Bupa | Care Health | Winner |
|---|---|---|---|
| Overall score | 8.2/10 | 8.1/10 | Niva Bupa |
| Claim settlement | 8.4/10 | 8.2/10 | Niva Bupa |
| Value | 8/10 | 8.3/10 | Care Health |
| Customer service | 7.6/10 | 7.4/10 | Niva Bupa |
| Digital experience | 7.8/10 | 7.9/10 | Care Health |
| Flexibility | 8.5/10 | 8.4/10 | Niva Bupa |
Niva Bupa
8.2/10Strong health insurer for families with solid restoration features.
Pros
- Good restoration options
- Strong plan variety
Cons
- Can be premium-priced
- Policy terms still require careful reading
Care Health
8.1/10Strong product options and a 96.9% claim settlement ratio in FY 2024-25, but complaints per claim run well above our benchmark.
Pros
- Good restoration benefits
- No claim bonus up to 150%
Cons
- 69.2 complaints per 10,000 claims in FY 2024-25, above our benchmark of 40 for standalone health insurers
- Co-payment clause on senior citizen plans
The verdict
On our scoring, Niva Bupa edges ahead overall. That said, the loser may still win for you on a dimension you weight heavily, so match the table above to your priorities and read both full reviews.