Insurance Plans Comparison
HDFC ERGO myHealth Koti Suraksha vs Niva Bupa Health Companion Variant 2
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moremyHealth Koti Suraksha
Get a ₹1 crore hospitalisation cover with cashless home treatment, room rent up to a single standard air-conditioned room, and a 10% cumulative bonus each year even after a claim, up to 100%.
What Makes It Special:
my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...
Best For:
Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions
Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further
Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement
Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews
Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures
VS
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
Insurance Plans Comparison
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Quick Decision Guide
The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.
Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.
If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.
The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.
Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() myHealth Koti Suraksha Health Insurance Plan VS VS |
Health Companion Variant 2 Health Insurance Plan |
| Room Rent |
|---|
myHealth Koti Suraksha Single Standard AC Room Covered as part of hospitalization expenses |
VS VS |
Health Companion Variant 2
|
| ICU Charges |
|---|
myHealth Koti Suraksha Covered within medical expenses; no separate ICU limit stated |
VS VS |
Health Companion Variant 2 Covered up to the sum insured as part of in-patient care |
| Advanced Treatments |
|---|
myHealth Koti Suraksha Advanced Technology Methods Covered |
VS VS |
Health Companion Variant 2
|
| Co-payment |
|---|
myHealth Koti Suraksha 20% Co-payment |
VS VS |
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. |
| Disease-wise sublimits |
|---|
myHealth Koti Suraksha Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits |
VS VS |
Health Companion Variant 2 No disease sublimit schedule in the prospectus |
| Cashless Healthcare Providers |
|---|
myHealth Koti Suraksha Available through network hospitals |
VS VS |
Health Companion Variant 2 10,000+ network hospitals. |
| Restoration Benefit |
|---|
myHealth Koti Suraksha Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted |
VS VS |
Health Companion Variant 2 Information Unavailable |
| Daycare Treatment |
|---|
myHealth Koti Suraksha Covered |
VS VS |
Health Companion Variant 2 Covered under the policy. |
| Cumulative Bonus |
|---|
myHealth Koti Suraksha 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100% |
VS VS |
Health Companion Variant 2 20% of the expiring base sum insured per claim-free year, up to 100% |
| AYUSH Treatment |
|---|
myHealth Koti Suraksha Covered |
VS VS |
Health Companion Variant 2 Covered under this policy |
| Consumable Cover |
|---|
myHealth Koti Suraksha Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section |
VS VS |
Health Companion Variant 2 Prescribed medicines and consumables during treatment are covered. Annexure II items are not. |
| Initial Waiting Period |
|---|
myHealth Koti Suraksha 30 days, except claims arising from an accident |
VS VS |
Health Companion Variant 2 30 days, except accidents |
| Specific Waiting Period |
|---|
myHealth Koti Suraksha 24 months for specified illnesses and surgical procedures |
VS VS |
Health Companion Variant 2 24 months for listed conditions |
| PED Waiting Period |
|---|
myHealth Koti Suraksha 36 months; optional Waiting Period Modification reduces it to 24 months |
VS VS |
Health Companion Variant 2 36 months |
| Modern Treatment |
|---|
myHealth Koti Suraksha Not specified. |
VS VS |
Health Companion Variant 2 Covered up to the sum insured |
| Annual Health Checkup |
|---|
myHealth Koti Suraksha Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary |
VS VS |
Health Companion Variant 2 Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only. |
| Pre-Hospitalisation |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Health Companion Variant 2 60 days before admission |
| Post-Hospitalisation |
|---|
myHealth Koti Suraksha 180 days after discharge |
VS VS |
Health Companion Variant 2 180 days after discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
myHealth Koti Suraksha Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover |
VS VS |
Health Companion Variant 2 Not covered |
| Deductible Option |
|---|
myHealth Koti Suraksha Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound |
VS VS |
Health Companion Variant 2 Annual aggregate deductible from ₹10,000 to ₹10 lakh |
| Coverage Options |
|---|
myHealth Koti Suraksha Individual sum insured or floater sum insured |
VS VS |
Health Companion Variant 2 Individual or floater, with optional hospital cash, personal accident and deductible |
| Claim Settlement Ratio |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
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). |
| Maternity Cover |
|---|
myHealth Koti Suraksha Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
VS VS |
Health Companion Variant 2 Not covered |
Insurance Plans Comparison
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