Insurance Plans Comparison
Niva Bupa Health Companion Family First Plan vs Care Advantage
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Companion Family First Plan
Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.
What Makes It Special:
Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.
Best For:
Buyers who do not need maternity or OPD cover
Buyers who need hospitalisation, day care and AYUSH cover
Families with a parent covered alongside the insured
Buyers who want a no-claim bonus that builds to 100%
Families who want a floater with a refill benefit
VS
Advantage
Get a sum insured of up to ₹1 crore with no room rent or ICU sub-limit, an automatic recharge once in a policy year, and a 10% no claim bonus that can grow to 50% of the sum insured.
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
Insurance Plans Comparison
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Quick Decision Guide
Children are split off to their own policy after 26.
The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.
Refill applies once a year, so it is not unlimited cover.
Maternity is excluded, so choose another plan if you plan a pregnancy.
The 36-month PED wait applies, so buy early if anyone has an existing condition.
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Companion Family First Plan Health Insurance Plan VS VS |
Advantage Health Insurance Plan |
| Room Rent |
|---|
Health Companion Family First Plan
|
VS VS |
Advantage All room categories are covered |
| Advanced Treatments |
|---|
Health Companion Family First Plan
|
VS VS |
Advantage Information Unavailable |
| ICU Charges |
|---|
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care |
VS VS |
Advantage No restriction on ICU room rent |
| Co-payment |
|---|
Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion. |
VS VS |
Advantage Available as an option |
| Disease-wise sublimits |
|---|
Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment. |
VS VS |
Advantage No |
| Cashless Healthcare Providers |
|---|
Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care. |
VS VS |
Advantage 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim |
VS VS |
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays. |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus. |
VS VS |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| AYUSH Treatment |
|---|
Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options. |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not. |
VS VS |
Advantage No. However, available as an add-on |
| Initial Waiting Period |
|---|
Health Companion Family First Plan 30 days, except accidents |
VS VS |
Advantage 30 days |
| Specific Waiting Period |
|---|
Health Companion Family First Plan 24 months for listed conditions |
VS VS |
Advantage 2 years |
| PED Waiting Period |
|---|
Health Companion Family First Plan 36 months. |
VS VS |
Advantage 3 years |
| Modern Treatment |
|---|
Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments. |
VS VS |
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only. |
VS VS |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
| Pre-Hospitalisation |
|---|
Health Companion Family First Plan 60 days before admission, up to the sum insured |
VS VS |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Health Companion Family First Plan 180 days after discharge, up to the sum insured |
VS VS |
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense. |
VS VS |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash. |
VS VS |
Advantage Available as an option |
| Coverage Options |
|---|
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible |
VS VS |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
Health Companion Family First Plan 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 VS |
Advantage 96% |
| Maternity Cover |
|---|
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense. |
VS VS |
Advantage Not available |
Insurance Plans Comparison
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