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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2 vs Future Generali Health Super Saver Standard

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
Future Generali

Health Super Saver Standard

Comprehensive Health Shield with 80% Super Saver Renewal Discount

What Makes It Special:

Future Generali Health Super Saver Standard offers robust hospitalization coverage while rewarding claim-free years with up to an 80% renewal premium discount. The policy provides extensive protection including inbuilt maternity benefits, home healthcare, AYUSH treatments, extended pre-and post-hospitalization coverage, day care procedures, and access to an extensive nationwide cashless hospital...

Best For:

  • Buyers seeking flexible sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.

  • Patients requiring home healthcare services for ongoing medical treatment or post-surgical care.

  • Buyers wanting comprehensive coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy.

  • Policyholders seeking inbuilt maternity coverage for delivery, pre-natal, and post-natal care.

  • Families and individuals looking to save up to 80% on renewal premiums by remaining claim-free.

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

  • 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.

Future Generali Health Super Saver Standard

  • Ensure Future Generali’s 8,400+ cashless network hospitals include convenient facilities in your location.

  • Keep in mind the 24-month waiting period for pre-existing diseases and specified medical procedures.

  • Verify room rent and specific procedure sub-limits based on your selected base plan option.

  • Ideal if you require integrated maternity benefits after a 9-month waiting period.

  • Choose this plan if you want substantial long-term savings through an 80% discount on claim-free renewal years.

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
Health Super Saver Standard
Health Super Saver Standard

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

Health Super Saver Standard

Room, board, and nursing expenses covered up to single private room eligibility limits.

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

Health Super Saver Standard

Information Unavailable

ICU Charges

Health Companion Variant 2

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

VS

Health Super Saver Standard

Fully covered as part of medically necessary hospitalisation with no specific daily capping.

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

Health Super Saver Standard

No mandatory co-payment percentage applied across entry age groups under base terms.

Disease-wise sublimits

Health Companion Variant 2

No disease sublimit schedule in the prospectus

VS

Health Super Saver Standard

Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures.

Cashless Healthcare Providers

Health Companion Variant 2

10,000+ network hospitals.

VS

Health Super Saver Standard

Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list.

Restoration Benefit

Health Companion Variant 2

Information Unavailable

VS

Health Super Saver Standard

Sum insured restore options are subject to base policy terms and plan variant selection.

Daycare Treatment

Health Companion Variant 2

Covered under the policy. 

VS

Health Super Saver Standard

Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis

Cumulative Bonus

Health Companion Variant 2

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

VS

Health Super Saver Standard

Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures.

AYUSH Treatment

Health Companion Variant 2

Covered under this policy

VS

Health Super Saver Standard

Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes.

Consumable Cover

Health Companion Variant 2

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

VS

Health Super Saver Standard

Non-medical consumable items specified in policy exclusions are not covered under base policy.

Initial Waiting Period

Health Companion Variant 2

30 days, except accidents

VS

Health Super Saver Standard

30 days initial waiting period applies for all illnesses except accidental injuries.

Specific Waiting Period

Health Companion Variant 2

24 months for listed conditions

VS

Health Super Saver Standard

24 months for specified conditions; 48 months for joint replacements due to degenerative conditions.

PED Waiting Period

Health Companion Variant 2

36 months

VS

Health Super Saver Standard

24 months waiting period for pre-existing diseases and their direct medical complications.

Modern Treatment

Health Companion Variant 2

Covered up to the sum insured

VS

Health Super Saver Standard

Restricted to 50% of the Sum Insured per policy period for listed modern procedures.

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

Health Super Saver Standard

Available annually for insured members as per eligible benefit structure and plan options.

Pre-Hospitalisation

Health Companion Variant 2

60 days before admission

VS

Health Super Saver Standard

Medical expenses covered up to 60 days immediately prior to hospital admission.

Post-Hospitalisation

Health Companion Variant 2

180 days after discharge

VS

Health Super Saver Standard

Medical expenses covered up to 90 days immediately following hospital discharge date.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2

Not covered

VS

Health Super Saver Standard

Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage.

Deductible Option

Health Companion Variant 2

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

VS

Health Super Saver Standard

Voluntary deductible options are not part of the standard policy base structure.

Coverage Options

Health Companion Variant 2

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

VS

Health Super Saver Standard

Available under both Individual and Family Floater sum insured policy options.

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

Health Super Saver Standard

Supported by Future Generali India Insurance's established claim processing performance track record.

Maternity Cover

Health Companion Variant 2

Not covered

VS

Health Super Saver Standard

Covered after a 9-month waiting period, subject to sub-limits based on plan options.

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

Expert-Led Policy Review

  • 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

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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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Health Companion Variant 2 Vs Health Super Saver Standard

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