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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs HDFC ERGO Critical Illness Silver 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 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
HDFC ERGO

Critical Illness Silver Plan

Affordable lump-sum cover for 8 major critical illnesses

What Makes It Special:

The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...

Best For:

  • Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover

  • Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age

  • Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs

  • Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure

  • Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions

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 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.

HDFC ERGO Critical Illness Silver Plan

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

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.

  • The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.

  • The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.

  • Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.

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
Critical Illness Silver Plan
Critical Illness Silver Plan

Health Insurance Plan

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

Critical Illness Silver Plan

Not applicable.

Advanced Treatments

Health Companion Variant 1

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

Critical Illness Silver Plan

Information Unavailable

ICU Charges

Health Companion Variant 1

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

VS

Critical Illness Silver Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

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

Critical Illness Silver Plan

Not applicable

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Critical Illness Silver Plan

Not applicable.

Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Critical Illness Silver 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 1

Information Unavailable

VS

Critical Illness Silver Plan

Not applicable — the benefit is payable once, on first diagnosis

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Critical Illness Silver Plan

Not applicable

Cumulative Bonus

Health Companion Variant 1

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

VS

Critical Illness Silver Plan

Not specified

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Critical Illness Silver Plan

Not applicable

Consumable Cover

Health Companion Variant 1

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

VS

Critical Illness Silver Plan

Not applicable.

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Critical Illness Silver Plan

90 days

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Critical Illness Silver Plan

Not specified.

PED Waiting Period

Health Companion Variant 1

36 months

VS

Critical Illness Silver Plan

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

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Critical Illness Silver 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 1

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

VS

Critical Illness Silver 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 1

60 days before admission

VS

Critical Illness Silver Plan

Not applicable

Post-Hospitalisation

Health Companion Variant 1

180 days after discharge

VS

Critical Illness Silver Plan

Not applicable

Outpatient Department Cover (OPD Expense)

Health Companion Variant 1

Not covered

VS

Critical Illness Silver Plan

Not applicable

Deductible Option

Health Companion Variant 1

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

VS

Critical Illness Silver Plan

Not applicable

Coverage Options

Health Companion Variant 1

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

VS

Critical Illness Silver Plan

Not specified — cover is written per insured person; no individual/floater structure is stated

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

Critical Illness Silver Plan

97% approximately

Maternity Cover

Health Companion Variant 1

Not covered

VS

Critical Illness Silver Plan

Not covered.

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

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)

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