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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Gold vs Niva Bupa Health Companion Variant 1

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HDFC ERGO

myHealth Suraksha Gold

Health insurance with hospitalisation cover and restoration benefits

What Makes It Special:

my:health Suraksha Gold is an older HDFC ERGO health insurance variant that provides hospitalisation-related benefits, including eligible pre- and post-hospitalisation expenses, daycare treatment, AYUSH treatment and Sum Insured Rebound, subject to the applicable policy wording and schedule.

Best For:

  • Existing policyholders reviewing the terms and benefits of an older my:health Suraksha Gold policy.

  • People who value a restoration-style benefit for a subsequent hospitalisation, subject to policy conditions.

  • Buyers who want pre- and post-hospitalisation expenses included in their health insurance cover.

  • Families considering an individual or family floater policy, subject to the applicable eligibility conditions.

  • Individuals looking for cover for eligible hospitalisation and related medical expenses.

VS
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

Insurance Plans Comparison

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Quick Decision Guide

HDFC ERGO myHealth Suraksha Gold

  • Confirm hospital network status, cashless eligibility and the applicable policy wording before planned treatment.

  • Verify the conditions for Sum Insured Rebound, including when it becomes available and how much can be used for a subsequent claim.

  • Review the 24-month specific-disease waiting period and applicable PED waiting period against your medical history.

  • Check the applicable co-payment and room-rent terms to understand how much of an admissible claim you may need to pay yourself.

  • Confirm the exact Gold variant and UIN on your policy schedule before relying on benefit limits or waiting periods.

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Gold
myHealth Suraksha Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

myHealth Suraksha Gold

At actuals in the older prospectus; room-rent modification options may alter the applicable terms.

VS

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.
ICU Charges

myHealth Suraksha Gold

At actuals under the older prospectus terms.

VS

Health Companion Variant 1

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

Advanced Treatments

myHealth Suraksha Gold

Information Unavailable

VS

Health Companion Variant 1

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

myHealth Suraksha Gold

Optional co-payment choices of 15% or 25% are shown for the relevant variant family; verify the selected Gold configuration.

VS

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.

Disease-wise sublimits

myHealth Suraksha Gold

No complete variant-specific confirmation available; check the applicable policy schedule and wording.

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

myHealth Suraksha Gold

12,000+ cashless network hospitals, as stated on HDFC ERGO’s insurer website; the network and cashless eligibility should be checked at the time of treatment.

VS

Health Companion Variant 1

10,000+ network hospitals.

Restoration Benefit

myHealth Suraksha Gold

Sum Insured Rebound is listed. It is subject to claim-related conditions and is not an unlimited restoration benefit.

VS

Health Companion Variant 1

Information Unavailable

Cumulative Bonus

myHealth Suraksha Gold

10% per claim-free year, up to 100% of basic sum insured in the older variant table; confirm the applicable Gold version.

VS

Health Companion Variant 1

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

Daycare Treatment

myHealth Suraksha Gold

Covered, subject to the applicable policy wording and eligible procedures.

VS

Health Companion Variant 1

Covered under the policy. 

Consumable Cover

myHealth Suraksha Gold

Medical consumables are referenced within hospitalisation expenses; specific non-medical expense coverage depends on applicable terms and optional cover.

VS

Health Companion Variant 1

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

AYUSH Treatment

myHealth Suraksha Gold

Inpatient alternative treatments, including Ayurveda, Unani, Siddha and Homeopathy, subject to policy terms.

VS

Health Companion Variant 1

Covered under this policy

Initial Waiting Period

myHealth Suraksha Gold

30 days, subject to policy terms and accident-related exceptions.

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

myHealth Suraksha Gold

24 months for listed illnesses and procedures.

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

myHealth Suraksha Gold

48 months under the identified older Gold terms; modification may apply if selected and specified in the policy schedule.

VS

Health Companion Variant 1

36 months

Modern Treatment

myHealth Suraksha Gold

Not verified for the exact Gold version; refer to applicable policy wording.

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

myHealth Suraksha Gold

Preventive health check-up booster is listed as an optional cover; exact limit and eligibility require confirmation.

VS

Health Companion Variant 1

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

Pre-Hospitalisation

myHealth Suraksha Gold

60 days under the older prospectus.

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

myHealth Suraksha Gold

180 days under the older prospectus.

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Gold

Not covered as a standard benefit in the older variant table.

VS

Health Companion Variant 1

Not covered

Deductible Option

myHealth Suraksha Gold

Not verified for the exact Gold version.

VS

Health Companion Variant 1

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

Coverage Options

myHealth Suraksha Gold

Individual and Family Floater; sum-insured availability depends on the applicable version.

VS

Health Companion Variant 1

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

Claim Settlement Ratio

myHealth Suraksha Gold

98.85% — HDFC ERGO health claims, number-based settlement ratio for FY 2024–25, as reported from IRDAI data. This is insurer-level, not product-specific.

VS

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).

Maternity Cover

myHealth Suraksha Gold

Not covered as a standard benefit in the identified older Gold variant table. Do not assume optional maternity cover applies without verifying the exact policy schedule.

VS

Health Companion Variant 1

Not covered

Insurance Plans Comparison

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Insurance Plans Comparison

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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