Niva Health Companion
  • No-claim Bonus up to 100% of SI
  • No Room Rent Capping
  • Vaccination for Animal Bite
Niva Bupa Health Insurance
premium

Network hospitals

10000+

premium

Incurred claim ratio

54.05%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Recognized By Niva BupaPolicyX.com is a Recognised Niva Bupa Partner View Certificate

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10000+

premium

Incurred claim ratio

54.05%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Recognized By Niva BupaPolicyX.com is a Recognised Niva Bupa Partner View Certificate

cashless pay

Niva Bupa Health Companion Plan

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:

SelfGrandfatherSister-in-law
SpouseGrandmotherBrother-in-law
SonGrandsonSon-in-law
DaughterGranddaughterDaughter-in-law
SisterBrotherFather-in-law
FatherNephewMother-in-law
MotherNiece

How does this Plan Stand Out?

  • Comprehensive Plan

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

    With the plan you will get a lot of saving options. You will get tax benefits, family discounts, tenure discounts, and much more.
  • Animal Bite Vaccination

    One of the most unique benefits, that you will get with the plan. Now, you do not need to worry about the costly vaccinations that are required to prevent infections due to animal bites.
  • Hospital Cash

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

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?

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.

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 AvailableVariant 1Variant 2Variant3Family First
Daily Cash Available1K2K4K1K/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 AvailableVariant 1Variant 2Variant3Family First
Health Check-UpOnce in 2 yearsAnnuallyAnnuallyAnnually
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 AvailableVariant 1Variant 2Variant3Family First
Vaccination2.5K5K7.5K5K
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.

Choose Niva Bupa Health Insurance Plan for

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 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:

Comprehensive

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

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

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

Health Reassure Plan (Pros)

  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Health Reassure Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Health Reassure Plan (Other Benefits)

  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Health Reassure Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

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

  • Maternity Cover
  • International coverage
  • In-Built travel insurance

NivaBupa Health Premia (Pros)

  • Refill benefit for any illness
  • 10% Loyalty Additions in SI
  • Tenure Discounts of upto 15 %
  • Worldwide Maternity Benefit
  • In-patient care

NivaBupa Health Premia (Cons)

  • No OPD Cover
  • No HIV/AIDS Covered
  • 20% co-payment
  • Pre-existing Diseases after 2 yrs
  • Treatment for Alcoholism

NivaBupa Health Premia (Other Benefits)

  • Zonal Coverage available
  • Pharmacy and diagnostic services
  • Opt for additional features
  • Living Organ Donor Benefit
  • Premium waiver and portability

NivaBupa Health Premia (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

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

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% No Claim Bonus

NivaBupa Health Pulse (Pros)

  • Optional benefits available
  • 150% Refill Benefit
  • Annual Health Checkup
  • Emergency Ambulance
  • Living Organ Donor Benefit

NivaBupa Health Pulse (Cons)

  • Conflict and Disaster cases
  • 20% co-payment
  • No Maternity Benefit
  • Cosmetic surgeries
  • Treatment for Alcoholism

NivaBupa Health Pulse (Other Benefits)

  • Operation Theatre Coverage
  • Modern Treatments
  • Personal Accident Cover
  • e-Consultation
  • Daily Hospital Cash

NivaBupa Health Pulse (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Digital

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
  • Annually 10 OPD consultations
  • No room rent capping

NivaBupa Go Active (Pros)

  • Pharmacy and Diagnostic Services
  • Domiciliary hospitalization
  • Personal Accident Benefit
  • Refill Benefit
  • Daily health coaching

NivaBupa Go Active (Cons)

  • Maternity Benefit Not available
  • Adventure Sports not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery Not Covered
  • War Injuries not covered

NivaBupa Go Active (Other Benefits)

  • Behavioural Assistance Program
  • Alternate Treatment
  • I-Protect option to increase SI
  • 2 % ICU Cover (per Day)
  • No Room Rent Sub Limit

NivaBupa Go Active (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

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 Heart Beat (Pros)

  • Additional Coverage
  • 10% Loyalty Benefit
  • Annual Health Check ups
  • Refill benefits
  • Coverage out of hospitals

NivaBupa Heart Beat (Cons)

  • Obesity Treatment not covered
  • Hazardous Activities not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

NivaBupa Heart Beat (Other Benefits)

  • OPD Consultations
  • Alternative Treatments
  • New Born Baby Cover
  • Pharmacy and diagnostic services
  • No WP up to 45 years

NivaBupa Heart Beat (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

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

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

NivaBupa Super Saver (Pros)

  • Day 1 Health check-up
  • No pre-issuance medical tests
  • Ambulance cover up to Rs 2000
  • ReAssure Benefit
  • No sub-limits

NivaBupa Super Saver (Cons)

  • No Maternity Benefit
  • Adventure Sports not covered
  • STDs not covered
  • Cosmetic Surgery Not Covered
  • Self Inflicted Injuriesnot covered

NivaBupa Super Saver (Other Benefits)

  • Air Ambulance Cover
  • Health Checkup
  • Organ Donor Benefit
  • Ayush Benefit
  • Room selection Option

NivaBupa Super Saver (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

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

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

NivaBupa Health Recharge (Pros)

  • Loyalty Additions up to 50%
  • Pharmacy and Diagnostic Services
  • Personal Accident Cover
  • Easy Plan Convertibility
  • Day Care Treatments Coverage

NivaBupa Health Recharge (Cons)

  • Maternity Treatment not covered
  • Pre-existing Diseases not covered
  • Alcoholism not covered
  • Dietary Supplements not covered
  • No COVID-19 cover

NivaBupa Health Recharge (Other Benefits)

  • Intensive Care Unit charges
  • Domiciliary treatment
  • HIV / AIDS Treatment Covered
  • Artificial Life Maintenance Benefit
  • Room Rent (per day) Up to 1%

NivaBupa Health Recharge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 Lakh - 95 Lakh
  • Waiting Period - 30 Days

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

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa CritiCare (Pros)

  • 20 critical illnesses Covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • Direct claim settlement

NivaBupa CritiCare (Cons)

  • Accident Death
  • No Total Disability Cover
  • AIDS Not Covered
  • Child Education Benefit
  • Funeral Expenses

NivaBupa CritiCare (Other Benefits)

  • Flexibility Plan Options
  • Surgeon's Fee Covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 3 Cr
  • Waiting Period - 30 Days

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

  • Global coverage available
  • Child education benefit
  • Permanent Disability Cover

AccidentCare (Pros)

  • Funeral Expenses
  • Accidental OPD
  • Adventure Sports Cover
  • Elderly Care Cover
  • Burns Cover

AccidentCare (Cons)

  • No Alcohol Ailment Cover
  • No Cosmetic Surgery
  • No Obesity Surgery
  • No Suicide Cover
  • No War Injury Cover

AccidentCare (Other Benefits)

  • Air Ambulance
  • Broken Bone/Fracture
  • Head & Spinal Injury
  • Marriage Expenses for Children
  • Comatose Cover

AccidentCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 5l
  • Waiting Period - 30 Days

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

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

NivaBupa Money Saver (Pros)

  • All Day Care Procedures covered
  • Accumulated Bonus
  • 100% Refill Benefit
  • 20% cumulative bonus
  • Organ Transplantation Covered

NivaBupa Money Saver (Cons)

  • No Maternity Benefit
  • Adventure Sports not covered
  • STDs not covered
  • Cosmetic Surgery Not Covered
  • Self Inflicted Injuriesnot covered

NivaBupa Money Saver (Other Benefits)

  • Road Ambulance Cover
  • Alternate Treatment
  • Pharmacy and Diagnostic Services
  • Hassle-Free Claims
  • Pre & Post Hospitalisation

NivaBupa Money Saver (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 10.5 L to 1 Cr
  • Waiting Period - 30 Days

Senior Citizen

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 Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

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

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Suraksha Plan

Niva Bupa Saral Suraksha Bima

A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.

Unique Features

  • Large Sum Insured
  • High sum insured
  • Up to 50 % Cumulative Bonus

Saral Suraksha Bima (Pros)

  • Accidental Death Covered
  • Pay Rs 296 monthly as premium
  • Education Grant to children
  • Temporary Total Disablement
  • Hospitalisation due to an accident

Saral Suraksha Bima (Cons)

  • No Maternity Benefit
  • No Disablement Claims
  • War Injuries not covered
  • Accident through intoxication
  • COVID-19 death not covered

Saral Suraksha Bima (Other Benefits)

  • 30-minute cashless claims
  • Paperless Reimbursement
  • Road Ambulance Covered
  • Emergency Treatment Covered
  • Hassle Free Renewal Process

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Corona Plan

Niva Bupa Corona Kavach

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

  • Ventilator Expenses Included
  • PPE Kit expense Included
  • Covers ICU Charges

Niva Bupa Corona Kavach (Pros)

  • Home Care Treatment Expenses
  • Hospitalisation Coverage
  • Pre and Post Hospitalisation
  • Hassle-free Claims
  • AYUSH Treatments Coverage

Niva Bupa Corona Kavach (Cons)

  • OPD and Day Care Treatment
  • Evaluation and Investigations
  • Rehabilitation
  • Dietary supplements
  • COVID Claim

Niva Bupa Corona Kavach (Other Benefits)

  • Coverage for Parents & PILs
  • Coverage for Dependent Children
  • Road Ambulance Covered
  • Hospital Daily Cash
  • Spouse Cover Available

Niva Bupa Corona Kavach (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 Lakh
  • Waiting Period - 30 Days

Niva Bupa Health Insurance Network Hospital List

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 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).

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Read Reviews & Ratings

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Samiksha Sharma

Gandhinagar

May 10, 2024

When I was sarching for an ideal maternity health plan, PolicyX insurance agents suggested me Niva Bupa Aspire and I am more than satisfied with its multiple features for women

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Raghoba Phadke

Guwahati

April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

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Akshat R Verma

Allahabad

April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

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Akash Banerjee

Pune

April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

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Sarthak Parmal

Delhi

April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

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Trishna Rohilla

Bengaluru

April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

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Sunaina Khanna

Ahmedabad

April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

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Babita Thapa

Allahabad

April 8, 2024

I had some reimbursement claim queries related to the Niva Bupa Aspire policy, the customer support team of PolicyX understood my requirement and they stood by me to get the claim.

View All Niva Bupa Health Insurance Reviews