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Insurance Plans Comparison

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

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

myHealth Suraksha Platinum

Hospitalisation cover with flexible optional benefits

What Makes It Special:

HDFC ERGO my:health Suraksha Platinum is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges, and provides pre- and post-hospitalisation benefits, daycare treatment and a cumulative bonus, subject to the applicable policy terms.

Best For:

  • Customers reviewing whether Sum Insured Rebound or other optional covers are included in their existing policy schedule.

  • Policyholders who want to understand the effect of optional co-payment choices on their out-of-pocket expenses.

  • Buyers who value pre- and post-hospitalisation expense coverage.

  • Individuals seeking cover for eligible inpatient hospitalisation expenses.

  • Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Platinum policy.

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

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

HDFC ERGO myHealth Suraksha Platinum

  • Verify the applicable OPD benefit, network hospital status and any optional covers before planning treatment.

  • Confirm whether Sum Insured Rebound is selected and review the conditions governing its use.

  • Check the 3-year PED waiting period against your declared medical history and policy start date.

  • Review your selected co-payment percentage to understand how much of an admissible claim you may need to pay.

  • Check the UIN and policy schedule to confirm that your cover is the older Platinum variant rather than Platinum Smart.

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 Platinum
myHealth Suraksha Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

myHealth Suraksha Platinum

Normal: Room Rent, Boarding & Nursing Charges Covered

ICU: Intensive Care Unit Charges Covered

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.
Advanced Treatments

myHealth Suraksha Platinum

Home Healthcare

Domiciliary Hospitalization

Organ Donor Expenses

Air Ambulance (Optional)

Global Health Cover (Optional)

Major Illness Hospitalization Cover (Optional)

Mental Health Treatment

VS

Health Companion Variant 1

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

myHealth Suraksha Platinum

At actuals, subject to policy terms.

VS

Health Companion Variant 1

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

Co-payment

myHealth Suraksha Platinum

No mandatory co-payment mentioned

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 Platinum

No complete variant-specific confirmation available; verify the applicable policy wording.

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

myHealth Suraksha Platinum

Cashless treatment available through network healthcare providers

VS

Health Companion Variant 1

10,000+ network hospitals.

Restoration Benefit

myHealth Suraksha Platinum

Sum Insured Rebound is listed as optional; it is not an unlimited restoration benefit.

VS

Health Companion Variant 1

Information Unavailable

Daycare Treatment

myHealth Suraksha Platinum

Covered

VS

Health Companion Variant 1

Covered under the policy. 

Cumulative Bonus

myHealth Suraksha Platinum

5% of sum insured for each claim-free year, up to 50% of sum insured.

VS

Health Companion Variant 1

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

AYUSH Treatment

myHealth Suraksha Platinum

Covered

VS

Health Companion Variant 1

Covered under this policy

Consumable Cover

myHealth Suraksha Platinum

Medicines, drugs and consumables are included in listed medical expenses; non-medical expense coverage requires verification.

VS

Health Companion Variant 1

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

Initial Waiting Period

myHealth Suraksha Platinum

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

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

myHealth Suraksha Platinum

24 months for specified illnesses and treatments.

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

myHealth Suraksha Platinum

3 years under the older Platinum variant terms.

VS

Health Companion Variant 1

36 months

Modern Treatment

myHealth Suraksha Platinum

Not verified for the exact older Platinum variant.

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

myHealth Suraksha Platinum

Preventive health check-up listed as a renewal benefit, subject to applicable terms.

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 Platinum

60 days for eligible expenses.

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

myHealth Suraksha Platinum

180 days for eligible expenses.

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Platinum

₹2,500 listed in the older variant schedule; confirm the applicable cover and policy schedule.

VS

Health Companion Variant 1

Not covered

Deductible Option

myHealth Suraksha Platinum

Not verified for the exact Platinum variant.

VS

Health Companion Variant 1

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

Coverage Options

myHealth Suraksha Platinum

Individual and Family Floater, subject to availability under the applicable policy version.

VS

Health Companion Variant 1

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

Claim Settlement Ratio

myHealth Suraksha Platinum

98.85% of claims paid within 3 months in FY 2024–25; this is a claims-paid-within-three-months metric, not a product-specific ratio.

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 Platinum

Not covered under the older Platinum variant schedule.

VS

Health Companion Variant 1

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

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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)

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

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