Insurance Plans Comparison
HDFC ERGO myHealth Suraksha Silver vs Niva Bupa Health Companion Family First Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moremyHealth Suraksha Silver
Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.
What Makes It Special:
HDFC ERGO my:health Suraksha Silver is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges at actuals, and provides pre- and post-hospitalisation coverage, daycare treatment, AYUSH treatment and home healthcare, subject to the applicable policy terms.
Best For:
Customers checking whether optional benefits such as Sum Insured Rebound are included in their policy schedule.
Policyholders who want to understand how optional co-payment choices affect their share of admissible claims.
Buyers who want pre- and post-hospitalisation expenses included in their health cover.
Individuals seeking cover for eligible inpatient hospitalisation expenses.
Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Silver policy.
VS
Health Companion Family First Plan
Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.
What Makes It Special:
Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.
Best For:
Buyers who do not need maternity or OPD cover
Buyers who need hospitalisation, day care and AYUSH cover
Families with a parent covered alongside the insured
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
Verify network hospital status and any optional covers before planning treatment or relying on a particular benefit.
Confirm whether Sum Insured Rebound has been selected and understand the conditions governing its use.
Check the 4-year PED waiting period against your declared medical history and policy start date.
Review the selected co-payment percentage to understand your potential out-of-pocket share of admissible claims.
Check the UIN and policy schedule to confirm that your policy is Silver and not Silver Smart.
Children are split off to their own policy after 26.
The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.
Refill applies once a year, so it is not unlimited cover.
Maternity is excluded, so choose another plan if you plan a pregnancy.
The 36-month PED wait applies, so buy early if anyone has an existing condition.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() myHealth Suraksha Silver Health Insurance Plan VS VS |
Health Companion Family First Plan Health Insurance Plan |
| Room Rent |
|---|
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
VS VS |
Health Companion Family First Plan
|
| Advanced Treatments |
|---|
myHealth Suraksha Silver All Advance Treatment are Covered |
VS VS |
Health Companion Family First Plan
|
| ICU Charges |
|---|
myHealth Suraksha Silver At actuals, subject to policy terms. |
VS VS |
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care |
| Co-payment |
|---|
myHealth Suraksha Silver Optional Co-payment available |
VS VS |
Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion. |
| Disease-wise sublimits |
|---|
myHealth Suraksha Silver No complete Silver-specific confirmation available; check the applicable policy wording. |
VS VS |
Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment. |
| Cashless Healthcare Providers |
|---|
myHealth Suraksha Silver Available through network hospitals |
VS VS |
Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care. |
| Restoration Benefit |
|---|
myHealth Suraksha Silver Sum Insured Rebound is an optional benefit under Silver; it is subject to conditions and is not unlimited restoration. |
VS VS |
Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim |
| Daycare Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays. |
| Cumulative Bonus |
|---|
myHealth Suraksha Silver 5% per claim-free year, up to 50% of basic sum insured. |
VS VS |
Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus. |
| AYUSH Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options. |
| Consumable Cover |
|---|
myHealth Suraksha Silver Medicines, drugs and consumables are included in listed medical expenses, subject to policy terms. |
VS VS |
Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not. |
| Initial Waiting Period |
|---|
myHealth Suraksha Silver 30 days for illnesses; accident-related claims are generally exempt. |
VS VS |
Health Companion Family First Plan 30 days, except accidents |
| Specific Waiting Period |
|---|
myHealth Suraksha Silver 24 months for listed illnesses and procedures. |
VS VS |
Health Companion Family First Plan 24 months for listed conditions |
| PED Waiting Period |
|---|
myHealth Suraksha Silver 4 years under the older Silver variant terms. |
VS VS |
Health Companion Family First Plan 36 months. |
| Modern Treatment |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments. |
| Annual Health Checkup |
|---|
myHealth Suraksha Silver Available after 4 consecutive claim-free policy years under the older prospectus; eligibility and limits apply. |
VS VS |
Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only. |
| Pre-Hospitalisation |
|---|
myHealth Suraksha Silver 60 days for eligible expenses. |
VS VS |
Health Companion Family First Plan 60 days before admission, up to the sum insured |
| Post-Hospitalisation |
|---|
myHealth Suraksha Silver 180 days for eligible expenses. |
VS VS |
Health Companion Family First Plan 180 days after discharge, up to the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
myHealth Suraksha Silver Not covered as a standard OPD benefit; verify any separately selected optional cover. |
VS VS |
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense. |
| Deductible Option |
|---|
myHealth Suraksha Silver Not verified for the exact Silver variant. |
VS VS |
Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash. |
| Coverage Options |
|---|
myHealth Suraksha Silver Individual and Family Floater; sum-insured options depend on the applicable policy version. |
VS VS |
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible |
| Claim Settlement Ratio |
|---|
myHealth Suraksha Silver 97.45% for HDFC ERGO health claims in FY 2024–25, calculated using claims settled against claims available to settle. This is insurer-level, not product-specific. |
VS VS |
Health Companion Family First Plan 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 Silver Exact Silver-specific coverage for modern treatments not verified. |
VS VS |
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense. |
Insurance Plans Comparison
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