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Niva Bupa Health Companion (Variant 2022) is a health insurance plan that covers hospitalisation expenses along with related medical costs like pre and post-treatment, daycare procedures, and modern treatments. It offers sum insured options ranging from ₹3 lakh to ₹1 crore and can be taken for individuals or families. The plan does not have strict room rent limits in most cases and also includes benefits like refill of sum insured and a No Claim Bonus that increases your coverage over time.
It also covers AYUSH treatments, organ donor expenses, and ambulance charges, making it suitable for handling both planned and emergency medical situations.
This is an affordable health insurance plan designed to secure your health. You can choose any variant as per your healthcare needs. Niva Bupa Health Companion provides not only monetary support but also mental support to the insured.
You can cover up to 19 family members under the Family First variant, covering the medical expenses of 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 |
| PLAN DETAILS |
Niva Bupa Health Companion Plan |
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Women Specific Critical Illness Plan |
| Product Type | Individual and Family Health Insurance | Critical Illness Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | No Bar | 21 years - 65 Years |
| Plan Premium Entry Age and S/A | 8056 | 18000 |
| Plan Waiting Period | 30 | 90 |
| Plan Coverage | Covers hospitalization, day care, and modern treatments, includes pre (60 days) and post (180 days) expenses, also covers AYUSH and organ donor expenses | Critical illness lump sum, Congenital disability cover, Child education payout, Loss of job benefit |
| Plan Sample Premium | 8056 | 18000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 Years | 1, 2, 3 years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 94.4 | 99.23 |
| Solvency Ratio | 3.03 | 3.25 |
|
Niva Bupa Health Companion Plan Review |
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