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Insurance Plans Comparison

Niva Bupa Health Companion Variant 3 vs Aditya Birla Active Care Premier

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Niva Bupa

Health Companion Variant 3

High-cover family health insurance from ₹15 Lakh to ₹1 Crore with any room (except suite), 20% No Claim Bonus and a yearly refill.

What Makes It Special:

A high Sum Insured version of Health Companion (₹15 Lakh to ₹1 Crore) with near-any-room eligibility, a 100% refill and the highest animal-bite vaccination and Hospital Cash limits among Variants 1 to 3.

Best For:

  • Existing Health Companion customers renewing on the Variant 3 structure

  • People wanting an optional deductible to reduce premium

  • Buyers who want a No Claim Bonus of 20% per claim-free year

  • People who want to choose almost any hospital room

  • Families wanting a high Sum Insured of ₹15 Lakh or more

VS
Aditya Birla

Active Care Premier

Aditya Birla Activ Care Premiere

What Makes It Special:

Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.

Best For:

  • Those looking for wellness-linked premium rewards

  • Buyers who prefer treatment at home through home care and domiciliary options

  • Those wanting a private room during hospitalisation

  • People managing chronic conditions like diabetes or hypertension

  • Senior citizens aged 46 to75 years

Insurance Plans Comparison

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Quick Decision Guide

  • Things to Consider: Non-payable consumables in Annexure I are not covered, and no consumables add-on is listed for this variant.

  • Things to Consider: Maternity and OPD consultations are not covered.

  • Things to Consider: Refill cannot be used for the same illness in the same year.

  • Things to Consider: Pre-existing diseases are covered only after 36 months.

  • Things to Consider: Pre and post hospitalisation is limited to 30 and 60 days.

  • Reasons to Consider: Annual health check-up from the second year and animal-bite vaccination up to ₹7,500.

  • Reasons to Consider: 100% refill of Base Sum Insured once a year for a different illness.

  • Reasons to Consider: 20% No Claim Bonus per claim-free year, up to 100% of Base Sum Insured.

  • Reasons to Consider: Any room covered up to Sum Insured, except Suite or above.

  • Reasons to Consider: High Sum Insured options from ₹15 Lakh to ₹1 Crore.

  • Check the 20% co-payment and disease-wise sub-limits carefully before purchase

  • May not suit buyers wanting in-built OPD coverage

  • Suitable for buyers who value home nursing and domiciliary care options

  • Useful for people who want consumables coverage in the base plan

  • Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 3
Health Companion Variant 3

Health Insurance Plan

Brochure

VS
Active Care Premier
Active Care Premier

Health Insurance Plan

Room Rent

Health Companion Variant 3

Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used

VS

Active Care Premier

Single Private Room. ICU charges covered up to the Sum Insured.

ICU Charges

Health Companion Variant 3

Covered up to Sum Insured as part of In-patient Care

VS

Active Care Premier

Covered up to the Sum Insured.

Co-payment

Health Companion Variant 3

No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities

VS

Active Care Premier

20% co-payment applies on admissible claims.

Disease-wise sublimits

Health Companion Variant 3

No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash

VS

Active Care Premier

Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured.

Cashless Healthcare Providers

Health Companion Variant 3

Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count)

VS

Active Care Premier

Cashless treatment available at 11,000+ network hospitals across India.

Restoration Benefit

Health Companion Variant 3

Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)

VS

Active Care Premier

100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.

Cumulative Bonus

Health Companion Variant 3

No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim

VS

Active Care Premier

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

Daycare Treatment

Health Companion Variant 3

Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis

VS

Active Care Premier

586 daycare procedures covered, even when hospitalisationis less than24 hours.

Consumable Cover

Health Companion Variant 3

Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3

VS

Active Care Premier

Covered in the base plan, including non-medical consumables used during hospitalisation.

AYUSH Treatment

Health Companion Variant 3

In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured

VS

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

Initial Waiting Period

Health Companion Variant 3

30 Days (not applicable to accidents)

VS

Active Care Premier

30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1.

Specific Waiting Period

Health Companion Variant 3

24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days

VS

Active Care Premier

2 years for listed specific illnesses and procedures.

PED Waiting Period

Health Companion Variant 3

36 Months

VS

Active Care Premier

2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions.

Modern Treatment

Health Companion Variant 3

Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions)

VS

Active Care Premier

Covered for listed modern treatment methods, subject to the policy's list of covered procedures.

Annual Health Checkup

Health Companion Variant 3

Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT)

VS

Active Care Premier

Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis.

Pre-Hospitalisation

Health Companion Variant 3

Up to 30 Days, covered up to Sum Insured (reimbursement basis)

VS

Active Care Premier

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

Post-Hospitalisation

Health Companion Variant 3

Up to 60 Days, covered up to Sum Insured (reimbursement basis)

VS

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 3

Not covered; only OPD vaccination after an animal bite, up to ₹7,500

VS

Active Care Premier

Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on.

Deductible Option

Health Companion Variant 3

Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh

VS

Active Care Premier

Not a core feature of this variant — verify availability from the policy wordings.

Coverage Options

Health Companion Variant 3

Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater

VS

Active Care Premier

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.

Claim Settlement Ratio

Health Companion Variant 3

96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

VS

Active Care Premier

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average.

Maternity Cover

Health Companion Variant 3

Not covered (Maternity excluded, Code Excl18)

VS

Active Care Premier

Not available in this plan.

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Explore Insurance Category

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  • Tailored for seniors healthcare needs

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Family Health Plan

  • One policy covers the entire family

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Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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