Which is better: Go Digit General Insurance or Niva Bupa Health Insurance?

On claim settlement ratio, Niva Bupa edges ahead. Go Digit had a CSR of 85.4% vs Niva Bupa at 91.16% in FY 2023-24.

Go Digit General Insurance vs Niva Bupa Health Insurance

On CSR alone: Niva Bupa leads with a higher claim settlement ratio in FY 2023-24. But CSR is one data point — also compare plans, premiums, and network before deciding.

Metric	Go Digit	Niva Bupa
CSR 2023-24	85.40%	91.16%
Founded	2017	2008
HQ	Bengaluru	New Delhi
Type	general	health

Go Digit — Strengths

+Simple, jargon-free policy documents
+Fully digital claim filing via app or website
+Competitive premiums — especially for young buyers
+Strong motor insurance reputation transfers to health
+Listed company (BSE/NSE) — high transparency

Niva Bupa — Strengths

+91.16% claim settlement ratio (2023-24)
+Unlimited restoration of sum insured in ReAssure plan
+Direct claim settlement (no third-party administrator)
+Strong digital interface

Full Go Digit review →Full Niva Bupa review →