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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs Niva Bupa Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

Health insurance with recurring additional claim cover and benefits for eligible hospitalisation expenses.

What Makes It Special:

Niva Bupa ReAssure 2.0 Platinum is a top-tier health insurance plan offering sum insured options from ₹5 lakh up to ₹1 crore, with no room rent caps or co-payment. It provides unlimited reinstatement of cover from the first claim (ReAssure Forever) and Booster+, which lets unused cover accumulate up to 5–10× base sum insured. The...

Best For:

  • Comprehensive Premium Health Coverage

  • High-Limit Family Floater Plan

  • Unlimited Restoration Insurance Policy

  • Advanced Treatment Global Care Plan

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 Reassure 2.0 Platinum+

  • You need very high medical coverage limit up to ₹1 crore

  • You prefer unlimited sum insured restoration after every claim

  • You want no room rent or ICU restrictions

  • You value modern treatment and maternity benefits included

  • You enjoy annual health check-ups and wellness perks from day one

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
Reassure 2.0 Platinum+
Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

Information Unavailable

ICU Charges

Health Companion Variant 1

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

VS

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

Not available

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Reassure 2.0 Platinum+

No

Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Reassure 2.0 Platinum+

10,000+ Healthcare Providers

Restoration Benefit

Health Companion Variant 1

Information Unavailable

VS

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

Your sum insured increases by 100% every year, maximum up to 500%

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

No. However, available as an add-on

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Reassure 2.0 Platinum+

30 days

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Reassure 2.0 Platinum+

2 years

PED Waiting Period

Health Companion Variant 1

36 months

VS

Reassure 2.0 Platinum+

3 years

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

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

Reassure 2.0 Platinum+

OPD expense is not included

Deductible Option

Health Companion Variant 1

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

VS

Reassure 2.0 Platinum+

Available as an option

Coverage Options

Health Companion Variant 1

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

VS

Reassure 2.0 Platinum+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

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

Reassure 2.0 Platinum+

92.02%

Maternity Cover

Health Companion Variant 1

Not covered

VS

Reassure 2.0 Platinum+

Not available

Insurance Plans Comparison

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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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