# HDFC ERGO Health overtakes Niva Bupa on AI search for… > HDFC ERGO Health reaches 95.3% combined SoV across ChatGPT, Gemini, and Google AI Mode, surpassing Niva Bupa (94.0%) for the first time in the study. Canonical URL: https://cite.solutions/state-of-ai-india/findings/hdfc-ergo-health-overtakes-niva-bupa-ai-search-health-insurance-may-2026 Source: Cite Solutions (cite.solutions) Published: 2026-05-25 --- [The CITE Index](/state-of-ai-india)/[Findings](/state-of-ai-india/findings)/Health Insurance 25 May 2026·Leadership change # HDFC ERGO Health overtakes Niva Bupa on AI search for health insurance. HDFC ERGO Health reaches 95.3% combined SoV across ChatGPT, Gemini, and Google AI Mode, surpassing Niva Bupa (94.0%) for the first time in the study. Permanent finding·`cite.solutions/state-of-ai-india/findings/hdfc-ergo-health-overtakes-niva-bupa-ai-search-health-insurance-may-2026` [Cite this finding](#cite-this) On 2026-05-25, HDFC ERGO Health became the most-cited health insurance brand across the combined CITE Index — surpassing Niva Bupa for the first time since tracking began. The new reading: **HDFC ERGO Health 95.3%** combined share of voice, versus **Niva Bupa 94.0%** (down 2.7 points day-over-day). ### Engine breakdown * **ChatGPT:** HDFC ERGO Health (96.0% SoV) * **Gemini:** HDFC ERGO Health (92.0% SoV) * **Google AI Mode:** HDFC ERGO Health (98.0% SoV) ### Why this matters Leadership changes on AI search are not driven by retail share or paid media — they are driven by **citation pool quality**. The brand whose sources the AI engines read most heavily wins, regardless of who sells more units. HDFC ERGO Health's rise above Niva Bupa marks a structural shift in which third-party reviewers, ranking sites, and forums the AI surfaces are reading. For brand teams in health insurance: this is a citation-pool problem, not a brand-awareness problem. — The CITE Index, 25 May 2026 The underlying daily edition This finding draws from the 25 May 2026 edition of Health Insurance. [View edition →](/state-of-ai-india/health-insurance/reports/2026-05-25) Cite this edition [CC BY 4.0 · Attribution terms →](/state-of-ai-india/terms) https://cite.solutions/state-of-ai-india/findings/hdfc-ergo-health-overtakes-niva-bupa-ai-search-health-insurance-may-2026 linkjournalistplainbibtexsocial Copy Data licensed under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/). Reproduce, distribute, build on this data — including commercially — provided you credit Cite Solutions and link back to [cite.solutions/state-of-ai-india](https://cite.solutions/state-of-ai-india).