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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs Niva Bupa Senior First 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

Senior First Platinum

After the first paid claim, restore the base sum insured unlimited times, stay in a single private room, and add 10% of the base sum insured each claim-free year up to 100%, with a 50% co-pay.

What Makes It Special:

Niva Bupa Senior First Platinum is made for seniors to help them feel secure about health costs, giving full coverage for hospital stays, yearly check-ups, and quick claims. It’s simple to use and takes care of most medical needs without complicated rules.It covers expenses for in-patient hospitalization in a single...

Best For:

  • Not available

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

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 Senior First Platinum

Not available

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
Senior First Platinum
Senior First Platinum

Health Insurance Plan

Brochure

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

Senior First Platinum

Single Private Room

Covered up to Sum Insured

Advanced Treatments

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
VS

Senior First Platinum

Modern treatments covered up to Sum Insured

ICU Charges

Health Companion Variant 1

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

VS

Senior First Platinum

Information Unavailable

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

Senior First Platinum

50% co-payment.

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Senior First Platinum

Information Unavailable

Waiting Period

Health Companion Variant 1

Information Unavailable

VS

Senior First Platinum

Not mentioned — verify from policy wordings.

Not mentioned — verify from policy wordings.

Not mentioned — verify from policy wordings.

Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Senior First Platinum

Not mentioned — verify from policy wordings

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Senior First Platinum

Covered up to Sum Insured

Cumulative Bonus

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

VS

Senior First Platinum

Information Unavailable

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Senior First Platinum

Covered up to Sum Insured.

Consumable Cover

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

VS

Senior First Platinum

Information Unavailable

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Senior First Platinum

Information Unavailable

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Senior First Platinum

Information Unavailable

PED Waiting Period

Health Companion Variant 1

36 months

VS

Senior First Platinum

Information Unavailable

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Senior First Platinum

Information Unavailable

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

Senior First Platinum

Information Unavailable

Pre-Hospitalisation

Health Companion Variant 1

60 days before admission

VS

Senior First Platinum

Information Unavailable

Post-Hospitalisation

Health Companion Variant 1

180 days after discharge

VS

Senior First Platinum

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health Companion Variant 1

Not covered

VS

Senior First Platinum

Information Unavailable

Deductible Option

Health Companion Variant 1

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

VS

Senior First Platinum

Information Unavailable

Coverage Options

Health Companion Variant 1

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

VS

Senior First Platinum

Information Unavailable

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

Senior First Platinum

Information Unavailable

Maternity Cover

Health Companion Variant 1

Not covered

VS

Senior First Platinum

Information Unavailable

Insurance Plans Comparison

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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)

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