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Insurance Plans Comparison

Niva Bupa Health Companion Family First Plan vs HDFC ERGO Critical Illness Silver Plan

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 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

VS
HDFC ERGO

Critical Illness Silver Plan

Affordable lump-sum cover for 8 major critical illnesses

What Makes It Special:

The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...

Best For:

  • Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover

  • Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age

  • Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs

  • Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure

  • Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions

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

  • 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.

  • Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.

  • The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.

  • The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.

  • Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

VS
Critical Illness Silver Plan
Critical Illness Silver Plan

Health Insurance Plan

Room Rent

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
VS

Critical Illness Silver Plan

Not applicable.

Advanced Treatments

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).
VS

Critical Illness Silver Plan

Information Unavailable

ICU Charges

Health Companion Family First Plan

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

VS

Critical Illness Silver Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

Co-payment

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.

VS

Critical Illness Silver Plan

Not applicable

Disease-wise sublimits

Health Companion Family First Plan

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

VS

Critical Illness Silver Plan

Not applicable.

Cashless Healthcare Providers

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

VS

Critical Illness Silver Plan

16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis

Restoration Benefit

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

VS

Critical Illness Silver Plan

Not applicable — the benefit is payable once, on first diagnosis

Daycare Treatment

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.

VS

Critical Illness Silver Plan

Not applicable

Cumulative Bonus

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.

VS

Critical Illness Silver Plan

Not specified

AYUSH Treatment

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.

VS

Critical Illness Silver Plan

Not applicable

Consumable Cover

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.

VS

Critical Illness Silver Plan

Not applicable.

Initial Waiting Period

Health Companion Family First Plan

30 days, except accidents

VS

Critical Illness Silver Plan

90 days

Specific Waiting Period

Health Companion Family First Plan

24 months for listed conditions

VS

Critical Illness Silver Plan

Not specified.

PED Waiting Period

Health Companion Family First Plan

36 months.

VS

Critical Illness Silver Plan

48 months for all pre-existing conditions declared and/or accepted at application

Modern Treatment

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.

VS

Critical Illness Silver Plan

Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs

Annual Health Checkup

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.

VS

Critical Illness Silver Plan

Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance

Pre-Hospitalisation

Health Companion Family First Plan

60 days before admission, up to the sum insured

VS

Critical Illness Silver Plan

Not applicable

Post-Hospitalisation

Health Companion Family First Plan

180 days after discharge, up to the sum insured

VS

Critical Illness Silver Plan

Not applicable

Outpatient Department Cover (OPD Expense)

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

VS

Critical Illness Silver Plan

Not applicable

Deductible Option

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.

VS

Critical Illness Silver Plan

Not applicable

Coverage Options

Health Companion Family First Plan

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

VS

Critical Illness Silver Plan

Not specified — cover is written per insured person; no individual/floater structure is stated

Claim Settlement Ratio

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).

VS

Critical Illness Silver Plan

97% approximately

Maternity Cover

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

VS

Critical Illness Silver Plan

Not covered.

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)

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Health Companion Family First Plan Vs Critical Illness Silver Plan

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