Health Companion vs Mediclassic Individual Health Insurance Plan
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Health Companion vs Mediclassic Individual Health Insurance Plan 2024

Health Companion Plan and Mediclassic Individual 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 Mediclassic Individual 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

 Star Health And Allied Insurance Company Limited

Mediclassic Individual

Premium Including GST
Sum Assured 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr 3L, 4L, 5L, 10L & 15L
Product Type Individual & Family Floater Reimbursement Hospitalization and Cashless
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
Automatic Restoration upto 200%
Covers Psychiatric and Psychosomatic Disorder (after 2 years)
Covers Non Allopathic Treatment
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 Required
Room Rent
(A limit of room rent cover during hospitalization if any)
Actual - No capping on room rent Upto Rs 5000/-
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Upto sum insured No
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days 30 Days
Post-hospitalization
(Expenses after discharge from the hospital)
180 Days 60 Days(Limit amount 7% of hospitalization expenses or maximum upto Rs.5k/- per hospitalisation)
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto Rs 10L Upto Rs 25000/policy period
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 10L & 101 Day Care Treatment 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 No
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
No Optional as riders
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 3 year After 4 Years
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% 5 % per year - upto 25%
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) Upto Rs 20L (on unrelated illness & on full exhaution)
Ambulance Charges
(Expenses incurred on ambulance charges)
up to INR 2,000 per hospitalisation Upto Rs 750/- per hospitalization and overall limit of Rs 1500/- per period
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Applicable Not Applicable
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 After Every 4 continuous Claim Free Years( Rs 5000/-)
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
yes yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
No Not Applicable
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 You pay 10% of claim

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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.