Network hospitals
10,372
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
10,372
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
The Smart Just Got Smarter
The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected medical emergency. This is an affordable health insurance plan that has been made to secure your health without any pain. You will get coverage up to Rs 1 Crore. It is a cost-effective plan that comes out with a host of benefits and offers 4 variants. You can choose any variant as per your healthcare needs. Niva Bupa Health Companion is not limited to monetary support but it also provides the required mental support to the insured.
The amazing part of this plan is that you can cover up to 19 family members under the variant Family First. This way you cover the medical expenses of all the generations of your family.
The relations that can be covered are:
Self | Grandfather | Sister-in-law |
Spouse | Grandmother | Brother-in-law |
Son | Grandson | Son-in-law |
Daughter | Granddaughter | Daughter-in-law |
Sister | Brother | Father-in-law |
Father | Nephew | Mother-in-law |
Mother | Niece |
Read the below section to understand the plan in a glimpse:
Entry Age
No Bar
Policy Type
Individual / Family Floater
Policy Tenure
1 | 2 Years
Sum Insured
2 | 3 | 4 | 5 | 7.5 | 10 | 12.5 |15 | 20 | 30 | 50 Lakhs & 1 Crore
Variants Available
Variant 1 | Variant 2 | Variant 3 | Family First
Initial Waiting Period*
30 Days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the Niva Bupa Health Companion Brochure.
Niva Bupa Health Companion allows the customer to customize their plan in the 4 available variants. One can easily choose a plan according to their requirements and budget:
Coverage for SI:2 | 3 | 4 Lakh
In-patient & Out-patient coverage
Room Rent
Covered up to SI
ICU Charges
Covered
Pre-Hospitalization
Covered up to SI for 30 days
Post-Hospitalization
Covered up to SI for 60 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day-Care Treatment Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% refill of SI
Daily Hospital Cash
Covered under a Rider
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to 1L
Emergency Coverage
Ambulance
Covered up to 3K
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not available
Health Check-Up
Once in 2 years
Second Medical Opinion
Not available
Vaccination
2.5K
Limitations
Co-payment
Not Applicable
Sub-limits
Not Applicable
Coverage for SI:5 | 7.5 | 10 | 12.5 Lakh
In-patient & Out-patient coverage
Room Rent
Covered up to SI
ICU Charges
Covered
Pre-Hospitalization
Covered up to SI for 30 days
Post-Hospitalization
Covered up to SI for 60 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day-Care Treatment Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% refill of SI
Daily Hospital Cash
Covered under a Rider
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to 1L
Emergency Coverage
Ambulance
Covered up to 3K
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not available
Health Check-Up
Annually
Second Medical Opinion
Not available
Vaccination
5K
Limitations
Co-payment
Not Applicable
Sub-limits
Not Applicable
Coverage for SI:15 | 20 | 30 | 50 Lakh | 1 Crore
In-patient & Out-patient coverage
Room Rent
Covered up to SI
ICU Charges
Covered
Pre-Hospitalization
Covered up to SI for 30 days
Post-Hospitalization
Covered up to SI for 60 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day-Care Treatment Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% refill of SI
Daily Hospital Cash
Covered under a Rider
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to 1L
Emergency Coverage
Ambulance
Covered up to 3K
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not available
Health Check-Up
Annually
Second Medical Opinion
Not available
Vaccination
7.5K
Limitations
Co-payment
Not Applicable
Sub-limits
Not Applicable
Coverage for SI (Individual):1 | 2 | 3 | 4 | 5 | 10 Lakh
Coverage for SI (Family):3 | 4 | 5 | 10 | 15 | 20 Lakh
In-patient & Out-patient coverage
Room Rent
Covered up to SI
ICU Charges
Covered
Pre-Hospitalization
Covered up to SI for 30 days
Post-Hospitalization
Covered up to SI for 60 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
All Day-Care Treatment Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% refill of SI
Daily Hospital Cash
Covered under a Rider
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to 1L
Emergency Coverage
Ambulance
Covered up to 3K
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not available
Health Check-Up
Annually
Second Medical Opinion
Not available
Vaccination
5K
Limitations
Co-payment
Not Applicable
Sub-limits
Not Applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Niva Bupa Health Companion Plan?
Niva Bupa Health Companion has no rent capping and it offers coverage up to the Sum insured for all hospital accommodations except for the room categories of suite & above.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Niva Bupa Health Companion Plan?
Under this plan, ICU charges coverage is available up to the selected SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Niva Bupa Health Companion Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Niva Bupa Health Companion Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Niva Bupa Health Companion Plan?
Under this plan, the domiciliary hospitalization is covered up to the SI if it continues for 3 consecutive days.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Niva Bupa Health Companion Plan?
This plan covers expenses of all day care procedures up to the sum insured.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Niva Bupa Health Companion Plan?
Not Covered
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Niva Bupa Health Companion Plan?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Niva Bupa Health Companion Plan?
Not Covered
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Niva Bupa Health Companion Plan?
Under this plan, the policyholder can avail of an increase of 20% in the sum insured at renewal for every claim-free year; a maximum of up to 100%.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Niva Bupa Health Companion Plan?
The plan offers 100% restoration of SI in case of exhaustion of the base sum insured.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Niva Bupa Health Companion Plan?
The Daily hospital cash available under the plan is as follows:
Variants Available | Variant 1 | Variant 2 | Variant3 | Family First |
Daily Cash Available | 1K | 2K | 4K | 1K/2K |
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Niva Bupa Health Companion Plan?
The plan offers Organ Donor coverage up to the Sum Insured.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Niva Bupa Health Companion Plan?
Not Covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Niva Bupa Health Companion Plan?
Not Available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Niva Bupa Health Companion Plan?
It is covered under this plan up to the sum insured.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Niva Bupa Health Companion Plan?
Not Available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Niva Bupa Health Companion Plan?
The plan covers a few robotic surgeries up to Sum Insured with a sub-limit of 1L.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Niva Bupa Health Companion Plan?
This plan covers Ambulance charges up to 3K.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Niva Bupa Health Companion Plan?
Not available
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Niva Bupa Health Companion Plan?
Not covered
Any kind of medical/health emergency when you are outside of India.
Coverage status under Niva Bupa Health Companion Plan?
Not Available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Niva Bupa Health Companion Plan?
Not Available
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Niva Bupa Health Companion Plan?
The plan covers these tests as per the below-mentioned limits:
Variants Available | Variant 1 | Variant 2 | Variant3 | Family First |
Health Check-Up | Once in 2 years | Annually | Annually | Annually |
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Niva Bupa Health Companion Plan?
Not Available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Niva Bupa Health Companion Plan?
The policy covers health check-up expenses as per the selected Sum Insured.
Variants Available | Variant 1 | Variant 2 | Variant3 | Family First |
Vaccination | 2.5K | 5K | 7.5K | 5K |
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Niva Bupa Health Companion Plan?
Co-payment is not applicable under this plan.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Niva Bupa Health Companion Plan?
Sub-limit is not applicable under this plan.
Health Companion offers myriads of optional riders to cover your specific requirements:
Daily Hospital Cash
Avail Daily Allowance during Hospitalization
Safeguard Rider
Get coverage for 3 additional benefits
The plan allows you to opt for a daily cash allowance from Rs.1,000 to Rs.4,000 per day, after 48 hours of hospitalization. This optional cover can be availed for a maximum of 30 days of being in the hospital.
This rider benefits the policyholder in certain ways such as:
Niva Bupa Health Companion has a set of specified treatments/ procedures & diseases that are not covered by the plan. Below mentioned are some of the exclusions of the plan:
Permanent diseases or health conditions that are not included under this plan are:
Suicide
Sexually Transmitted Disease
Use of alcohol or drug
Congenital disease
Hospitalization out of war, riot, strike, and nuclear weapons
Infertility and in vitro fertilization.
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:
Comprehensive
This plan is designed for youngsters and allows the policyholder to go overseas for treatments.
Unique Features
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
Comprehensive
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
Comprehensive
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
Affordable
An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.
Unique Features
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
Critical Illness
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
Comprehensive Plan
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
Suraksha Plan
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
Corona Plan
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
Niva Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Niva Bupa Companion-Family First Health Insurance is the first insurance to cover up to 19 relationships, each with its own Sum Insured and a floating Sum Insured that can be used by anyone in the family.
The Health Companion policy comes with annual aggregate deductibles ranging from Rs. 1 lakh to Rs. 10 lakh.
Depending on the age of the person to be covered and the sum insured chosen, a medical examination may be required when you sign up for a new health insurance policy.
Yes, one can avail of Tax Benefits under Section 80D of the Income Tax Act 1961.
No. Niva Bupa Health Companion does not offer the facility of midterm inclusion. If you want to add a family member, you have to wait till the renewal date.
Niva Bupa Health Companion covers the vaccination expenses for animal Bites.
Yes, the plan covers the Mental Disorder Treatment after the waiting period of 3 years.
Yes, a discount of 12.5% is applicable if the policyholder opts for a 2 years policy term.
Niva Bupa Health Companion covers the below mentioned Modern Treatments:
The policy covers the defined relations of Husband, Wife & children(4).
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