Partner with us

Insurance Plans Comparison

Niva Bupa Health Companion Family First Plan vs TATA AIG Medicare Plus

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
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
TATA AIG

Medicare Plus

Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.

What Makes It Special:

Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.

Best For:

  • Add-ons for extra protection

  • Covers daycare & hospitalization care

  • Easy cashless treatment nationwide

  • High coverage for you & your family

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.

  • You want a family-friendly plan that ensures peace of mind

  • You want add-ons like global cover or critical illness protection

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless treatment at top hospitals nationwide

  • You want wide coverage with a high sum insured

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
Medicare Plus
Medicare Plus

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

Medicare Plus

No capping on room rent or ICU charges.

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

Medicare Plus

Information Unavailable

ICU Charges

Health Companion Family First Plan

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

VS

Medicare Plus

No restriction on ICU room rent

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

Medicare Plus

Not available

Disease-wise sublimits

Health Companion Family First Plan

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

VS

Medicare Plus

No

Waiting Period

Health Companion Family First Plan

Information Unavailable

VS

Medicare Plus

  1. Initial waiting period: 30 Days

     

  2. Specific Waiting Periods: 24 Months 

     

  3. Pre-Existing Diseases: 36 Months 
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

Medicare Plus

12046+ Healthcare Providers

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

Medicare Plus

Not available

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

Medicare Plus

Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. 

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

Medicare Plus

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

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

Medicare Plus

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

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

Medicare Plus

Yes

Initial Waiting Period

Health Companion Family First Plan

30 days, except accidents

VS

Medicare Plus

30 days

Specific Waiting Period

Health Companion Family First Plan

24 months for listed conditions

VS

Medicare Plus

2 years

PED Waiting Period

Health Companion Family First Plan

36 months.

VS

Medicare Plus

3 years

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

Medicare Plus

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

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

Medicare Plus

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

Pre-Hospitalisation

Health Companion Family First Plan

60 days before admission, up to the sum insured

VS

Medicare Plus

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 Family First Plan

180 days after discharge, up to the sum insured

VS

Medicare Plus

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

VS

Medicare Plus

OPD expense is not included

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

Medicare Plus

Available

Coverage Options

Health Companion Family First Plan

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

VS

Medicare Plus

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

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

Medicare Plus

95.43%

Maternity Cover

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

VS

Medicare Plus

Not available

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

End-to-End Support

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

Compare With Other Health Insurance Plans

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Companion Family First Plan Vs Medicare Plus

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.