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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2 vs Aditya Birla Cancer Cover Activ Cancer Secure Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Niva Bupa

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

VS
Aditya Birla

Cancer Cover Activ Cancer Secure Plan

Get a lump-sum cancer payout by stage: 50% of the sum insured for early cancer, up to ₹10 lakh, the full sum insured for major cancer, and 150% for advanced cancer, after you survive 7 days.

What Makes It Special:

Cancer Cover focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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Quick Decision Guide

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Aditya Birla Cancer Cover Activ Cancer Secure Plan

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

VS
Cancer Cover Activ Cancer Secure Plan
Cancer Cover Activ Cancer Secure Plan

Health Insurance Plan

Room Rent

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
VS

Cancer Cover Activ Cancer Secure Plan

  1. Normal Room Rent: Covered up to a specified limit or as per policy terms.
  2. ICU Charges: Covered up to a defined limit or as per actuals, depending on the plan.
Advanced Treatments

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
VS

Cancer Cover Activ Cancer Secure Plan

The plan covers Targeted Therapy, Immunotherapy, Proton Therapy, Robotic Surgery, and Bone Marrow Transplant, ensuring advanced cancer treatments with precision, faster recovery, and financial support for critical procedures like radiation, immune-boosting, and transplants.

 

ICU Charges

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Co-payment

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

VS

Cancer Cover Activ Cancer Secure Plan

Copayment percentage varies based on age, sum insured, and treatment type.

Disease-wise sublimits

Health Companion Variant 2

No disease sublimit schedule in the prospectus

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Waiting Period

Health Companion Variant 2

Information Unavailable

VS

Cancer Cover Activ Cancer Secure Plan

  1. Initial Waiting Period: 30 days from policy inception, except for accidental claims.
  2. Specific Disease Waiting Period: Certain illnesses may have a waiting period of 24 months.
  3. Pre-Existing Disease Waiting Period: Coverage for pre-existing conditions begins after 48 months from policy start.
Cashless Healthcare Providers

Health Companion Variant 2

10,000+ network hospitals.

VS

Cancer Cover Activ Cancer Secure Plan

24800+ network hospitals

Daycare Treatment

Health Companion Variant 2

Covered under the policy. 

VS

Cancer Cover Activ Cancer Secure Plan

Covered under the policy

Cumulative Bonus

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

AYUSH Treatment

Health Companion Variant 2

Covered under this policy

VS

Cancer Cover Activ Cancer Secure Plan

AYUSH treatment covered under this policy

Consumable Cover

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Initial Waiting Period

Health Companion Variant 2

30 days, except accidents

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Specific Waiting Period

Health Companion Variant 2

24 months for listed conditions

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

PED Waiting Period

Health Companion Variant 2

36 months

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Modern Treatment

Health Companion Variant 2

Covered up to the sum insured

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Annual Health Checkup

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Pre-Hospitalisation

Health Companion Variant 2

60 days before admission

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Post-Hospitalisation

Health Companion Variant 2

180 days after discharge

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2

Not covered

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Deductible Option

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Coverage Options

Health Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Claim Settlement Ratio

Health Companion Variant 2

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Maternity Cover

Health Companion Variant 2

Not covered

VS

Cancer Cover Activ Cancer Secure Plan

Information Unavailable

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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