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Insurance Plans Comparison

Care Ultimate (Direct) vs Niva Bupa Health Companion Variant 2022

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

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Care

What Makes It Special:

Ultimate (Direct) 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 2022

Niva Bupa Health Companion Variant 2022

What Makes It Special:

The Niva Bupa Health Companion Variant 2022 is a comprehensive health insurance plan with options for both Individual and Family Floater policies. There is no Room Rent Limit in this plan.The Safeguard+ add-on covers all non-payable expenses and protects your No Claim Bonus if claims are up to ₹1,00,000....

Best For:

  • High coverage for families

  • Those who want extra protection through optional add-ons

  • Customers who value regular health check-ups and ambulance services

  • Hospital Room Rent Freedom

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

Care Ultimate (Direct)

Not available

Niva Bupa Health Companion Variant 2022

  • You need coverage for home treatments.

  • You want free health check-ups from day one.

  • You want cover restored after every claim.

  • You prefer hassle-free cashless hospital treatment

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

VS
Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

Room Rent

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

VS

Health Companion Variant 2022

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

Advanced Treatments

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

VS

Health Companion Variant 2022

Not Available

ICU Charges

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

No restriction on ICU room rent

Co-payment

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

VS

Health Companion Variant 2022

Not Available

Disease-wise sublimits

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

No

Waiting Period

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

VS

Health Companion Variant 2022

Not Available

Cashless Healthcare Providers

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

VS

Health Companion Variant 2022

11000+ Healthcare Providers

Restoration Benefit

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Daycare Treatment

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

VS

Health Companion Variant 2022

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Your sum insured increases by 20% for every claim-free year, up to 100%

AYUSH Treatment

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

No. However, available as an add-on

Initial Waiting Period

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

30 days.

Specific Waiting Period

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

2 years

PED Waiting Period

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

3 years

Modern Treatment

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

OPD expense is not included

Deductible Option

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Available

Coverage Options

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

Claim Settlement Ratio

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

92.02%

Maternity Cover

Ultimate (Direct)

Not Available

VS

Health Companion Variant 2022

Not Available

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

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Ultimate (direct) Vs Health Companion Variant 2022

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