Niva Health Companion
  • No-claim Bonus up to 100% of SI
  • No Room Rent Capping
  • Vaccination for Animal Bite
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Niva Bupa Health Companion (formerly known as Max Bupa Health Companion)

A plan that comes with the ‘any age enrolment’ feature.

Niva Bupa Health Companion(formerly known as Max Bupa Health Companion) is a cost-effective plan that comes out with a host of benefits and offers 4 variants to choose from as per your healthcare needs. Niva Bupa Health Companion is not limited to monetary support but also provides the required mental support to the insured. You can cover up to 19 family members under the Family first variant of this plan to cover medical expenses for all 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

Niva Bupa Health Companion Plan Specifications

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.

Choose Your Niva Bupa Health Companion Plan

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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Niva Bupa Health Companion Plan?

Max 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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Niva Bupa Health Companion Plan?

Not Covered

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Health Companion Plan?

Not Covered

What is a No-Claim Bonus?

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%.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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
What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Niva Bupa Health Companion Plan?

Not Available.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Niva Bupa Health Companion Plan?

Not Available

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Niva Bupa Health Companion Plan?

Not Available

What is E-Consultation?

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

What is a Health Checkup?

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:

  • Complete Blood Count
  • Urine Routine
  • ESR
  • HBA1C
  • S Cholesterol
  • Sr. HDL
  • Sr. LDL
  • Urea
  • Kidney Function Test.
Variants Available Variant 1 Variant 2 Variant3 Family First
Health Check-Up Once in 2 years Annually Annually Annually
What is a Second Medical Opinion?

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

What is Vaccination cover?

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
What is Co-payment?

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.

What is the Sub limit?

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.

Niva Bupa Companion Optional Covers

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

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 hospitalization. This optional cover can be availed for a maximum of 30 days of being in the hospital.

Safeguard Rider

This rider benefits the policyholder in certain ways such as:

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

Niva Bupa Health Companion Exclusions

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 Exclusions

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.

Coverage after Waiting Period

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

Explore Niva Bupa Health Insurance

Know more about Niva Bupa Health plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know Niva Bupa Health Insurance Claim Process.

Buying Process

Click to know Niva Bupa Health Insurance Buying Process.

Contact Us

Feel free to contact Niva Bupa Health Insurance for more details.

Premium Calculator

Calculate Niva Bupa Premium online, without any hassles.

Renewal Process

Click here to Renew Niva Bupa Health Policy Online

Explore more plans from Niva Bupa

Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

A comprehensive medical policy that blends well with the lifestyle of your family while offering SI options from 5 Lakhs to 3 Crores.

Unique Features

  • Maternity benefits available
  • 10% increase in SI annually
  • International coverage available

A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.

Unique Features

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% increase in SI as no claim bonus

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakhs to 1 crore) and keeps giving you more benefits.

Unique Features

  • Covers up to 6 members
  • Unlimited SI restoration
  • Coverage for modern treatment

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

  • No room rent capping
  • Unlimited E-consultation available
  • Pharmacy and diagnostic services

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

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa AccidentCare

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

  • Global coverage available
  • Child education benefit
  • 125% of SI for permanent disability

NivaBupa Go Active

A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.

Unique Features

  • Early age enrolment discounts
  • Up to 10 OPD consultations per year
  • No room rent capping

NivaBupa Heart Beat

A complete health plan, providing a wide range of medical benefits along with global emergency coverage.

Unique Features

  • Maternity & New born coverage
  • No room rent capping
  • 10% increase in SI annually

NivaBupa Money Saver

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

  • 100% SI restoration
  • Unlimited e-consultation
  • No room rent capping

NivaBupa Senior First

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Super Saver

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

  • Up to 200% of SI as NCB
  • Up to 150% of SI restoration
  • Unlimited e-consultation

Max Bupa Health Insurance Network Hospital List

Max Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Max Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Health Insurance Articles

Niva Bupa Health Companion: FAQs

1. What is the Family First variant of Niva Bupa Health Companion plan?

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.

2. Are there any deductibles available under Health Companion?

The Health Companion policy comes with annual aggregate deductibles ranging from Rs. 1 lakh to Rs. 10 lakh.

3. Do I need to go through a medical check-up before buying Health Companion?

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.

4. Can I avail of Tax Benefits under the Health Companion plan?

Yes, one can avail of Tax Benefits under Section 80D of the Income Tax Act 1961.

5. Can I add any family members in between the policy period?

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.

6. What types of vaccinations are covered under Niva Bupa Health Companion?

Niva Bupa Health Companion covers the vaccination expenses for animal Bites.

7. Does Niva Bupa Health Companion cover Mental Disorder Treatment?

Yes, the plan covers the Mental Disorder Treatment after the waiting period of 3 years.

8. Are there any discounts available under Niva Bupa Health Companion?

Yes, a discount of 12.5% is applicable if the policyholder opts for a 2 years policy term.

9. What types of treatments are covered under Modern Treatments?

Niva Bupa Health Companion covers the below mentioned Modern Treatments:

  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral chemotherapy
  • Immunotherapy- Monoclonal Antibody to be given as injection
  • Intra vitreal injections
  • Robotic surgeries
  • Stereotactic radio surgeries
  • Bronchial Thermoplasty
  • Vaporization of the prostate (Green laser treatment or holmium laser treatment)
  • IONM - (Intra Operative Neuro Monitoring)
  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

10. How many family members can I add in Niva Bupa Health companion, other than the Family First variant?

The policy covers the defined relations of Husband, Wife & children(4).

Read Reviews & Ratings

Customer Review Image

Vishal Singh

Delhi

September 27, 2022

I want to thanks Atul Bhardwaj he suggested me good policy and provide me good comparison which help me to choose best plan...........

Customer Review Image

Sagar Jain

Delhi

September 14, 2022

Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner

Customer Review Image

Mohan Bhargava

Chandigarh

September 14, 2022

Best company I ve ever seen. Good service. Politely way of talk. An employee of policy x is Azhar (13272) a best advisor. Good knowledge about the product and companies.

Customer Review Image

Kakali Bagchi

Kolkata

September 14, 2022

The people who is seating in policyx.com are vary supportive and they guide for the best policy and they help after sale also

Customer Review Image

Simran

Delhi

June 3, 2022

I must say that they truly process claims in under 30 minutes. It really is true and not just one of those hoax promises by a brand.

Customer Review Image

Nivedita

Hyderabad

June 3, 2022

I have been their customer for years. Its hassles free, convenient, and most importantly, the team is proactive in their dealings. Great Job!

Customer Review Image

Isha

Jaipur

June 3, 2022

Good company/. I have a good experience with this company especially when it came to a quick claim settlement process.

Customer Review Image

Khushwant Kumar

Agra

August 12, 2021

thanks policyx itna help karne ke lie. Good luck. Sahi plan mil gaya mere conditions ke hisaab se. Very happy.

View All Niva Bupa Health Insurance Reviews