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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs Niva Bupa Aspire Titanium+

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 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

VS
Niva Bupa

Aspire Titanium+

Flexible health insurance with enhanced accumulation benefits and age-linked premium protection.

What Makes It Special:

Niva Bupa Aspire Titanium+ combines substantial carry-forward coverage through Booster+ with Lock the Clock+, which keeps premiums linked to entry age until a claim is paid. It also provides hospitalisation coverage and access to optional benefits, subject to policy terms.

Best For:

  • Buyers who want optional OPD, consumables or international treatment benefits where available.

  • People planning ahead for eligible maternity-related expenses.

  • Families looking for comprehensive hospitalisation coverage.

  • Individuals who want premiums linked to their entry age until a claim is paid.

  • People seeking high carry-forward coverage over multiple policy years.

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 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.

Niva Bupa Aspire Titanium+

  • Review room eligibility, co-payment, deductible and optional add-ons before buying.

  • Compare the PED and specific-disease waiting periods applicable to your selected schedule.

  • Check the 9-month M-iracle waiting period and the benefit's limits before relying on maternity coverage.

  • Review the Lock the Clock+ conditions to understand when premiums may change.

  • Consider Titanium+ if maximising unused Sum Insured accumulation is a priority.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

VS
Aspire Titanium+
Aspire Titanium+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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.
VS

Aspire Titanium+

All room categories are covered

Advanced Treatments

Health Companion Variant 1

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

Aspire Titanium+

Information Unavailable

ICU Charges

Health Companion Variant 1

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

VS

Aspire Titanium+

No restriction on ICU room rent

Co-payment

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.

VS

Aspire Titanium+

Available as an option

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Aspire Titanium+

No

Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Aspire Titanium+

10,000+ Healthcare Providers

Restoration Benefit

Health Companion Variant 1

Information Unavailable

VS

Aspire Titanium+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Aspire Titanium+

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

Cumulative Bonus

Health Companion Variant 1

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

VS

Aspire Titanium+

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Aspire Titanium+

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

Consumable Cover

Health Companion Variant 1

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

VS

Aspire Titanium+

No. However, available as an add-on

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Aspire Titanium+

30 days

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Aspire Titanium+

2 years

PED Waiting Period

Health Companion Variant 1

36 months

VS

Aspire Titanium+

3 years

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Aspire Titanium+

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

Annual Health Checkup

Health Companion Variant 1

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

VS

Aspire Titanium+

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

Pre-Hospitalisation

Health Companion Variant 1

60 days before admission

VS

Aspire Titanium+

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

Post-Hospitalisation

Health Companion Variant 1

180 days after discharge

VS

Aspire Titanium+

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

Outpatient Department Cover (OPD Expense)

Health Companion Variant 1

Not covered

VS

Aspire Titanium+

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Health Companion Variant 1

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

VS

Aspire Titanium+

Available as an option

Coverage Options

Health Companion Variant 1

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

VS

Aspire Titanium+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Claim Settlement Ratio

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).

VS

Aspire Titanium+

92.02%

Maternity Cover

Health Companion Variant 1

Not covered

VS

Aspire Titanium+

Available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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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

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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)

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