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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs Care Heart

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 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

VS
Care

Heart

Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

Insurance Plans Comparison

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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

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.

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

VS
Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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.
VS

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

Above ₹3 L sum insured – Single Private Room

Advanced Treatments

Health Companion Variant 1

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

Heart

Information Unavailable

ICU Charges

Health Companion Variant 1

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

VS

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

Above ₹3 L sum insured – No Limit

Co-payment

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.

VS

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Heart

Yes

Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Heart

21700+ Healthcare Providers

Restoration Benefit

Health Companion Variant 1

Information Unavailable

VS

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Heart

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

Cumulative Bonus

Health Companion Variant 1

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

VS

Heart

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Heart

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

Consumable Cover

Health Companion Variant 1

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

VS

Heart

No. However available as an add-on.

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Heart

30 days

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Heart

2 years

PED Waiting Period

Health Companion Variant 1

36 months

VS

Heart

2 years

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Heart

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

Annual Health Checkup

Health Companion Variant 1

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

VS

Heart

Health check-up is available from the first policy year

Pre-Hospitalisation

Health Companion Variant 1

60 days before admission

VS

Heart

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 Variant 1

180 days after discharge

VS

Heart

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 Variant 1

Not covered

VS

Heart

OPD expense is not included

Deductible Option

Health Companion Variant 1

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

VS

Heart

Not available

Coverage Options

Health Companion Variant 1

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

VS

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Claim Settlement Ratio

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).

VS

Heart

96%

Maternity Cover

Health Companion Variant 1

Not covered

VS

Heart

Not available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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

Insurance Plans Comparison

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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