Insurance Plans Comparison
Royal Sundaram Multiplier Health vs Niva Bupa Health Companion Variant 1
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMultiplier Health
Add four times the sum insured, including any no-claim bonus, for a life-threatening condition, up to four times in a lifetime, and reload the base sum insured once in a policy year even for the same illness.
What Makes It Special:
Multiplier Health is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
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
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Quick Decision Guide
Not available
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Multiplier Health Health Insurance Plan VS VS |
Health Companion Variant 1 Health Insurance Plan |
| Room Rent |
|---|
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
VS VS |
Health Companion Variant 1
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| Advanced Treatments |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Companion Variant 1
|
| ICU Charges |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Covered up to the sum insured as part of in-patient care |
| Co-payment |
|---|
Multiplier Health No mandatory co-pay |
VS VS |
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. |
| Disease-wise sublimits |
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Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 No disease sublimit schedule in the prospectus |
| Waiting Period |
|---|
Multiplier Health 30 Days 36 Months 24 Months |
VS VS |
Health Companion Variant 1 Information Unavailable |
| Cashless Healthcare Providers |
|---|
Multiplier Health Cashless Available |
VS VS |
Health Companion Variant 1 10,000+ network hospitals. |
| Daycare Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Companion Variant 1 Covered under the policy. |
| Cumulative Bonus |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 20% of the expiring base sum insured per claim-free year, up to 100% |
| AYUSH Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Companion Variant 1 Covered under this policy |
| Consumable Cover |
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Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Prescribed medicines and consumables during treatment are covered. Annexure II items are not. |
| Initial Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 30 days, except accidents |
| Specific Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 24 months for listed conditions |
| PED Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 36 months |
| Modern Treatment |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Covered up to the sum insured |
| Annual Health Checkup |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only. |
| Pre-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 60 days before admission |
| Post-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 180 days after discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Not covered |
| Deductible Option |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Annual aggregate deductible from ₹10,000 to ₹10 lakh |
| Coverage Options |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Individual or floater, with optional hospital cash, personal accident and deductible |
| Claim Settlement Ratio |
|---|
Multiplier Health Information Unavailable |
VS VS |
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). |
| Maternity Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 1 Not covered |
Insurance Plans Comparison
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