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Insurance Plans Comparison

Niva Bupa GoActive vs Niva Bupa Health Companion Variant 3

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

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Niva Bupa

GoActive

Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.

What Makes It Special:

GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.

Best For:

  • Buyers who do not need maternity cover

  • Buyers who want the sum insured to grow over time through I-Protect

  • Buyers who want a health coach and an annual check-up

  • Families who visit doctors often and want OPD reimbursement

  • Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits

VS
Niva Bupa

Health Companion Variant 3

High-cover family health insurance from ₹15 Lakh to ₹1 Crore with any room (except suite), 20% No Claim Bonus and a yearly refill.

What Makes It Special:

A high Sum Insured version of Health Companion (₹15 Lakh to ₹1 Crore) with near-any-room eligibility, a 100% refill and the highest animal-bite vaccination and Hospital Cash limits among Variants 1 to 3.

Best For:

  • Existing Health Companion customers renewing on the Variant 3 structure

  • People wanting an optional deductible to reduce premium

  • Buyers who want a No Claim Bonus of 20% per claim-free year

  • People who want to choose almost any hospital room

  • Families wanting a high Sum Insured of ₹15 Lakh or more

Insurance Plans Comparison

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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

  • Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.

  • The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.

  • The 36-month PED waiting period is long, so buy early if anyone has an existing condition.

  • Maternity is excluded, so choose another plan if you plan to start a family.

  • Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.

  • Things to Consider: Non-payable consumables in Annexure I are not covered, and no consumables add-on is listed for this variant.

  • Things to Consider: Maternity and OPD consultations are not covered.

  • Things to Consider: Refill cannot be used for the same illness in the same year.

  • Things to Consider: Pre-existing diseases are covered only after 36 months.

  • Things to Consider: Pre and post hospitalisation is limited to 30 and 60 days.

  • Reasons to Consider: Annual health check-up from the second year and animal-bite vaccination up to ₹7,500.

  • Reasons to Consider: 100% refill of Base Sum Insured once a year for a different illness.

  • Reasons to Consider: 20% No Claim Bonus per claim-free year, up to 100% of Base Sum Insured.

  • Reasons to Consider: Any room covered up to Sum Insured, except Suite or above.

  • Reasons to Consider: High Sum Insured options from ₹15 Lakh to ₹1 Crore.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

GoActive
GoActive

Health Insurance Plan

VS
Health Companion Variant 3
Health Companion Variant 3

Health Insurance Plan

Brochure

Room Rent

GoActive

Normal:

For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)

ICU:

For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

VS

Health Companion Variant 3

Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used

Advanced Treatments

GoActive

Covered up to Sum Insured

VS

Health Companion Variant 3

Information Unavailable

ICU Charges

GoActive

Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule.

VS

Health Companion Variant 3

Covered up to Sum Insured as part of In-patient Care

Co-payment

GoActive

No mandatory age-based co-payment mentioned

VS

Health Companion Variant 3

No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities

Disease-wise sublimits

GoActive

No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits.

VS

Health Companion Variant 3

No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash

Cashless Healthcare Providers

GoActive

4,200+ Network Hospitals

VS

Health Companion Variant 3

Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count)

Restoration Benefit

GoActive

Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount.

VS

Health Companion Variant 3

Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)

Daycare Treatment

GoActive

Covered up to Sum Insured

VS

Health Companion Variant 3

Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis

Cumulative Bonus

GoActive

Not offered. The optional I-Protect adds 10% of base sum insured every renewal year.

VS

Health Companion Variant 3

No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim

AYUSH Treatment

GoActive

Covered up to Sum Insured

VS

Health Companion Variant 3

In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured

Consumable Cover

GoActive

Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable.

VS

Health Companion Variant 3

Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3

Initial Waiting Period

GoActive

30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1.

VS

Health Companion Variant 3

30 Days (not applicable to accidents)

Specific Waiting Period

GoActive

24 months for listed conditions and procedures. Cancer is covered after 30 days.

VS

Health Companion Variant 3

24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days

PED Waiting Period

GoActive

36 months

VS

Health Companion Variant 3

36 Months

Modern Treatment

GoActive

Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies.

VS

Health Companion Variant 3

Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions)

Annual Health Checkup

GoActive

Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward.

VS

Health Companion Variant 3

Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT)

Pre-Hospitalisation

GoActive

Up to 90 days before admission, within the sum insured

VS

Health Companion Variant 3

Up to 30 Days, covered up to Sum Insured (reimbursement basis)

Post-Hospitalisation

GoActive

Up to 180 days after discharge, within the sum insured

VS

Health Companion Variant 3

Up to 60 Days, covered up to Sum Insured (reimbursement basis)

Outpatient Department Cover (OPD Expense)

GoActive

Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members.

VS

Health Companion Variant 3

Not covered; only OPD vaccination after an animal bite, up to ₹7,500

Deductible Option

GoActive

Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident.

VS

Health Companion Variant 3

Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh

Coverage Options

GoActive

Information Unavailable

VS

Health Companion Variant 3

Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater

Claim Settlement Ratio

GoActive

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

Health Companion Variant 3

96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover

GoActive

Not offered. Maternity and related childbirth expenses are excluded.

VS

Health Companion Variant 3

Not covered (Maternity excluded, Code Excl18)

Insurance Plans Comparison

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