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

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.

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 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

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.

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

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

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.