Health Companion vs Lifetime Global with USA and CA Health Insurance Plan
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Health Companion vs Lifetime Global with USA and CA Health Insurance Plan 2024

Health Companion Plan and Lifetime Global with USA and CA Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Health Companion Plan are 14000+ Number Of Network Hospitals whereas Lifetime Global with USA and CA Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  Niva Bupa Health Insurance Company Limited

Health Companion

 ManipalCigna Health Insurance Company Limited

Lifetime Global with USA and CA

Premium Including GST
Sum Assured 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr 50L, 75L, 1Cr, 1.5Cr, 2Cr & 3Cr
Product Type Individual & Family Floater Individual and Family Floater
Key Features
(Key features of the plan)
No Max Age Limit
Animal Bite Cover
AYUSH treatment covered up to Sum Insured
Cover All day care procedures
No Room Rent Capping
Air Ambulance available Upto 2.5Lakh
Co-payment is not applicable
Robotic and Cyber Knife Surgery
Modern and Advanced Treatments
HIV/AIDS and STD
Mental Care are covered upto sum insured. Upto 100% of SI restoration
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Available Not Applicable
EMI Option yes no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Required Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Actual - No capping on room rent Any room except suite and above
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Upto sum insured Up to Rs 10L
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
180 Days 180 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto Rs 10L Covered upto 100L
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs. 10L & all Day Care Treatment covered Upto Rs. 100L & All Day Care Treatments are covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Upto Rs 10L Covered upto 100L
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
No Not Applicable
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 3 year After 2 year
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Increase of base sum assure from 20% to 100% Not Available
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Upto Rs 10L (Applicable for both same & different illness) Unlimited Times (On unrelated illness and on partial Exhaustion)
Ambulance Charges
(Expenses incurred on ambulance charges)
up to INR 2,000 per hospitalisation Covered upto 100L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Applicable Upto Rs. 100L
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Applicable Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Applicable no
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Once in a year from day 1, up to INR 500 for every INR 1 Lakh Base Sum Insured, Individual-Max. 5000 Per insured members, Floater-Max. 10000 per policy Once every year
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
yes yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
No Yes
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Up to INR 5,000 (Only Vaccination) Not Applicable
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
No Co-Pay Not Applicable

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.