Oneassure

Partner with us

Insurance Plans Comparison

Bajaj Health Care Supreme Ultimo vs Niva Bupa Health Companion Variant 1

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

Read more
Bajaj

Health Care Supreme Ultimo

Cover hospital stays, outpatient care, maternity and newborn expenses from built-in limits, and add optional hospital cash of ₹2,500 a day, or ₹5,000 a day in the ICU.

What Makes It Special:

Health Care Supreme is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Niva Bupa

Health Companion Variant 1

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 ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. 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 want optional daily hospital cash

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

  • Families who want a floater with a refill benefit

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Bajaj Health Care Supreme Ultimo

Not available

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

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

  • The refill applies only once a policy year.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Care Supreme Ultimo
Health Care Supreme Ultimo

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Health Care Supreme Ultimo

Covered up to Hospitalisation Sum Insured

Covered up to Hospitalisation Sum Insured

VS

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
Advanced Treatments

Health Care Supreme Ultimo

Uterine Artery Embolization and HIFU

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Green Laser/Holmium Laser Treatment for Prostate

Intra Operative Neuro Monitoring (IONM)

Stem Cell Therapy for Bone Marrow Transplant in Haematological Conditions

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
ICU Charges

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

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

Co-payment

Health Care Supreme Ultimo

Not mentioned

VS

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

Disease-wise sublimits

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Waiting Period

Health Care Supreme Ultimo

30 Days

24 Months

VS

Health Companion Variant 1

Information Unavailable

Cashless Healthcare Providers

Health Care Supreme Ultimo

Cashless treatment available at empanelled hospitals.

VS

Health Companion Variant 1

10,000+ network hospitals.

Daycare Treatment

Health Care Supreme Ultimo

Covered

VS

Health Companion Variant 1

Covered under the policy. 

Cumulative Bonus

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

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

AYUSH Treatment

Health Care Supreme Ultimo

Covered

VS

Health Companion Variant 1

Covered under this policy

Consumable Cover

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

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

Initial Waiting Period

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

36 months

Modern Treatment

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

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

Pre-Hospitalisation

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

Not covered

Deductible Option

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

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

Coverage Options

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

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

Claim Settlement Ratio

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

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).

Maternity Cover

Health Care Supreme Ultimo

Information Unavailable

VS

Health Companion Variant 1

Not covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Expert-Led Policy Review

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

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Health Care Supreme Ultimo vs Supreme Senior Premium

Health Care Supreme Ultimo vs Energy Silver Without Copay

Health Care Supreme Ultimo vs Ultimate

Health Care Supreme Ultimo vs EquiCover

Health Care Supreme Ultimo vs Optima Secure Global Plus

Health Companion Variant 1 vs Supreme Senior Premium

Health Companion Variant 1 vs Energy Silver Without Copay

Health Companion Variant 1 vs Ultimate

Health Companion Variant 1 vs EquiCover

Health Companion Variant 1 vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Care Supreme Ultimo Vs Health Companion Variant 1

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.