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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2022 vs HDFC ERGO Critical Illness Platinum Plan

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 2022

Comprehensive family health cover with no room rent capping, 2-hour hospitalisation, 100% refill and health check-ups from day one.

What Makes It Special:

A no-room-rent-cap health plan that covers hospital stays of just 2 hours or more, with 60/180 days pre/post hospitalisation cover and a refill that works even for the same illness.

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

VS
HDFC ERGO

Critical Illness Platinum Plan

Lump-sum payout on first diagnosis of any of 15 critical illnesses

What Makes It Special:

The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...

Best For:

  • Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation

  • Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age

  • Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure

  • Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness

  • Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness

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

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

HDFC ERGO Critical Illness Platinum Plan

  • Set the sum insured against the income and costs you would need to replace over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.

  • Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.

  • The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.

  • This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

VS
Critical Illness Platinum Plan
Critical Illness Platinum Plan

Health Insurance Plan

Room Rent

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.

VS

Critical Illness Platinum Plan

Not applicable.

ICU Charges

Health Companion Variant 2022

No restriction on ICU room rent

VS

Critical Illness Platinum Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

Disease-wise sublimits

Health Companion Variant 2022

No

VS

Critical Illness Platinum Plan

Not applicable.

Co-payment

Health Companion Variant 2022

Not Available

VS

Critical Illness Platinum Plan

Not specified.

Cashless Healthcare Providers

Health Companion Variant 2022

11000+ Healthcare Providers

VS

Critical Illness Platinum Plan

16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis

Restoration Benefit

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Not applicable.

Cumulative Bonus

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Not specified

Daycare Treatment

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Not applicable.

AYUSH Treatment

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Not applicable.

Consumable Cover

Health Companion Variant 2022

No. However, available as an add-on

VS

Critical Illness Platinum Plan

Not applicable — no itemised hospitalisation expenses are reimbursed

Initial Waiting Period

Health Companion Variant 2022

30 days.

VS

Critical Illness Platinum Plan

90 days for all claims

Specific Waiting Period

Health Companion Variant 2022

2 years

VS

Critical Illness Platinum Plan

Not specified.

PED Waiting Period

Health Companion Variant 2022

3 years

VS

Critical Illness Platinum Plan

48 months for all pre-existing conditions declared and/or accepted at application

Modern Treatment

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs

Annual Health Checkup

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Not specified. A pre-policy medical check may be required based on age and sum insured. 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance.

Pre-Hospitalisation

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

VS

Critical Illness Platinum Plan

Not applicable.

Post-Hospitalisation

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Not applicable.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2022

OPD expense is not included

VS

Critical Illness Platinum Plan

Not applicable.

Deductible Option

Health Companion Variant 2022

Available

VS

Critical Illness Platinum Plan

Not applicable.

Coverage Options

Health Companion Variant 2022

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

VS

Critical Illness Platinum Plan

Cover is written per insured person. No individual/floater structure is stated.

Claim Settlement Ratio

Health Companion Variant 2022

92.02%

VS

Critical Illness Platinum Plan

Approximately 97%

Maternity Cover

Health Companion Variant 2022

Not Available

VS

Critical Illness Platinum Plan

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?

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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)

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

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