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Insurance Plans Comparison

Bajaj Health Guard Platinum 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...

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Bajaj

Health Guard Platinum

Add 50% of the sum insured in each of the first two claim-free years, then 10% a year up to 150%, with maternity cover and a recharge of 20% of the sum insured, capped at ₹5 lakh.

What Makes It Special:

Health Guard is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Niva Bupa

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

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

Bajaj Health Guard Platinum

Not available

Niva Bupa Health Companion Family First Plan

  • 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

Health Guard Platinum
Health Guard Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent

Health Guard Platinum

Up to Single Private Air-Conditioned Room

Covered up to Sum Insured

VS

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
Advanced Treatments

Health Guard Platinum

Modern treatment coverage available

VS

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
ICU Charges

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

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

Co-payment

Health Guard Platinum

No mandatory co-payment mentioned.

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

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

Waiting Period

Health Guard Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

Specific Disease/Procedure Waiting Period: 24 Months

VS

Health Companion Family First Plan

Information Unavailable

Cashless Healthcare Providers

Health Guard Platinum

Cashless treatment available at network hospitals

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

Health Guard Platinum

Information Unavailable

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

Health Guard Platinum

Covered

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

Health Guard Platinum

Information Unavailable

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

Health Guard Platinum

Covered

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

Health Guard Platinum

Information Unavailable

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

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

30 days, except accidents

Specific Waiting Period

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

24 months for listed conditions

PED Waiting Period

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

36 months.

Modern Treatment

Health Guard Platinum

Information Unavailable

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

Health Guard Platinum

Information Unavailable

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

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

60 days before admission, up to the sum insured

Post-Hospitalisation

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

Deductible Option

Health Guard Platinum

Information Unavailable

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

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

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

Claim Settlement Ratio

Health Guard Platinum

Information Unavailable

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

Health Guard Platinum

Information Unavailable

VS

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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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

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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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