Niva Health Companion

Niva Bupa Health Companion (Variant 2022)

Niva Bupa Health Companion (Variant 2022) is a health insurance plan that covers hospitalisation expenses along with related medical costs like pre and post-treatment, daycare procedures, and modern treatments. It offers sum insured options ranging from ₹3 lakh to ₹1 crore and can be taken for individuals or families. The plan does not have strict room rent limits in most cases and also includes benefits like refill of sum insured and a No Claim Bonus that increases your coverage over time.

It also covers AYUSH treatments, organ donor expenses, and ambulance charges, making it suitable for handling both planned and emergency medical situations.

This is an affordable health insurance plan designed to secure your health. You can choose any variant as per your healthcare needs. Niva Bupa Health Companion provides not only monetary support but also mental support to the insured.

Family First Variant

You can cover up to 19 family members under the Family First variant, covering the medical expenses of all generations of your family.

The relations that can be covered are:

How Does This Plan Stand Out?

• Comprehensive Plan

  It is a comprehensive plan that can cover up to 19 family members. You can get all expenses covered in case of a medical emergency.

• Saving Options

  With this plan, you will get many saving options, including tax benefits, family discounts, tenure discounts, and much more.

• Animal Bite Vaccination

  This is one of the most unique benefits you will get with the plan. You do not need to worry about the costly vaccinations required to prevent infections due to animal bites.

• Hospital Cash

  You will get the freedom to manage miscellaneous expenses that might be incurred during hospitalisation. Pay with the daily hospital cash benefit provided by the company.

Niva Bupa Health Companion Optional Covers

Health Companion offers various optional riders to cover your specific requirements:

• Daily Hospital Cash

  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 hospitalisation. This optional cover can be availed for a maximum of 30 days of hospitalisation.

• Safeguard Rider

  This rider benefits the policyholder in certain ways, such as:

  • Claim Safeguard: The policyholder gets coverage for non-payable items up to the sum insured.
  • No Claim Bonus Safeguard: The policyholder can avail NCB Benefit if the claim requested in a policy year is less than Rs. 50,000.
  • Sum Insured Safeguard: There is an annual increase in coverage based on the inflation rate.

Inclusions

• In-patient hospitalisation (room, ICU, doctor fees, medicines)
• Pre (60 days) and post (180 days) hospitalisation expenses
• Daycare treatments (no 24-hour stay required)
• Modern treatments (like advanced surgeries)
• AYUSH treatments at recognised centres
• Road and air ambulance charges
• Organ donor expenses during transplant
• Refill benefit if sum insured gets exhausted

Exclusions

Niva Bupa Health Companion has a set of specified treatments, procedures, and diseases that are not covered by the plan. Below are some of the exclusions:

Permanent Exclusions

• Suicide
• Sexually Transmitted Diseases
• Use of alcohol or drugs
• Congenital diseases
• Hospitalisation due to war, riot, strike, and nuclear weapons
• Infertility and in vitro fertilisation

Waiting Period Exclusions

• Listed ailments after 24 Months
• Pre-existing diseases after 36 Months