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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2022 vs Magma OneHealth Premium

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 2022

Comprehensive family health cover with no room rent capping, 2-hour hospitalisation, 100% refill and health check-ups from day one.

What Makes It Special:

A no-room-rent-cap health plan that covers hospital stays of just 2 hours or more, with 60/180 days pre/post hospitalisation cover and a refill that works even for the same illness.

Best For:

  • High coverage for families

  • Those who want extra protection through optional add-ons

  • Customers who value regular health check-ups and ambulance services

  • Hospital Room Rent Freedom

VS
Magma

OneHealth Premium

Comprehensive Health Insurance with Hospitalisation, Daycare and Reload Benefits

What Makes It Special:

Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.

Best For:

  • Customers who prefer access to a large cashless hospital network

  • Customers who want cumulative bonus and reload benefits

  • Customers looking for multiple Sum Insured options

  • Families looking for individual or family floater coverage

  • Individuals looking for hospitalisation-focused health insurance

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 2022

  • You need coverage for home treatments.

  • You want free health check-ups from day one.

  • You want cover restored after every claim.

  • You prefer hassle-free cashless hospital treatment

Magma OneHealth Premium

  • Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.

  • Includes reload of Sum Insured from the first claim, subject to policy terms

  • Provides cumulative bonus of 10% for every claim-free year, up to 50%

  • Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan

  • Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

VS
OneHealth Premium
OneHealth Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Variant 2022

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

VS

OneHealth Premium

Up to 1% of Sum Insured or ₹5,000 per Day

ICU Charges

Health Companion Variant 2022

No restriction on ICU room rent

VS

OneHealth Premium

Up to 2% of Sum Insured or ₹6,000 per Day

Disease-wise sublimits

Health Companion Variant 2022

No

VS

OneHealth Premium

Specific Disease-wise Sublimits Apply

Co-payment

Health Companion Variant 2022

Not Available

VS

OneHealth Premium

10% in Applicable Circumstances

Cashless Healthcare Providers

Health Companion Variant 2022

11000+ Healthcare Providers

VS

OneHealth Premium

6,100+ Network Hospitals

Restoration Benefit

Health Companion Variant 2022

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

VS

OneHealth Premium

Reload Available from the First Claim

Cumulative Bonus

Health Companion Variant 2022

Your sum insured increases by 20% for every claim-free year, up to 100%

VS

OneHealth Premium

10% per Claim-Free Year, Up to 50%

Daycare Treatment

Health Companion Variant 2022

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

OneHealth Premium

405 Daycare Procedures Covered

AYUSH Treatment

Health Companion Variant 2022

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Consumable Cover

Health Companion Variant 2022

No. However, available as an add-on

VS

OneHealth Premium

Available Through Optional Cover

Initial Waiting Period

Health Companion Variant 2022

30 days.

VS

OneHealth Premium

30 Days

Specific Waiting Period

Health Companion Variant 2022

2 years

VS

OneHealth Premium

2 Years for Specified Procedures

PED Waiting Period

Health Companion Variant 2022

3 years

VS

OneHealth Premium

3 Years

Modern Treatment

Health Companion Variant 2022

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Annual Health Checkup

Health Companion Variant 2022

Health check-up is available once every policy year, from day 1 of the policy

VS

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

Pre-Hospitalisation

Health Companion Variant 2022

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

OneHealth Premium

Covered for Up to 30 Days

Post-Hospitalisation

Health Companion Variant 2022

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

OneHealth Premium

Covered for Up to 45 Days

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2022

OPD expense is not included

VS

OneHealth Premium

Not Covered as a Base Benefit

Deductible Option

Health Companion Variant 2022

Available

VS

OneHealth Premium

Not Specified in the Brochure

Coverage Options

Health Companion Variant 2022

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

VS

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

Claim Settlement Ratio

Health Companion Variant 2022

92.02%

VS

OneHealth Premium

Not Specified in the Brochure

Maternity Cover

Health Companion Variant 2022

Not Available

VS

OneHealth Premium

Not Covered Except Ectopic Pregnancy

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

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

Smart, Tech-Enabled Experience

  • 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.

1-5 of 10 FAQs

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