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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs TATA AIG Medicare

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
TATA AIG

Medicare

Cover specified hospital consumables and inpatient treatment abroad if you were diagnosed in India, restore the basic sum insured when that cover and the cumulative bonus are exhausted, and add a 50% bonus up to 100% after a claim-free year.

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment coverage.

Insurance Plans Comparison

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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.

TATA AIG Medicare

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

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
Medicare
Medicare

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

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
Advanced Treatments

Health Companion Variant 1

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

Medicare

Information Unavailable

ICU Charges

Health Companion Variant 1

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

VS

Medicare

4% of Sum Insured per day

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

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Medicare

Applicable to Specified Treatments

Waiting Period

Health Companion Variant 1

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

Health Companion Variant 1

Information Unavailable

VS

Medicare

Available Once for Road Traffic Accident

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Medicare

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 Variant 1

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

VS

Medicare

5% of Sum Insured per claim-free year

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Consumable Cover

Health Companion Variant 1

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

VS

Medicare

Not Covered as a Separate Benefit

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Medicare

30 Days

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Medicare

24 Months

PED Waiting Period

Health Companion Variant 1

36 months

VS

Medicare

36 Months

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Medicare

Covered up to 25% of Sum Insured

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

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Health Companion Variant 1

60 days before admission

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Health Companion Variant 1

180 days after discharge

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Health Companion Variant 1

Not covered

VS

Medicare

Not Covered under Base Policy

Deductible Option

Health Companion Variant 1

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

VS

Medicare

Not Specified

Coverage Options

Health Companion Variant 1

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

VS

Medicare

₹1 Lakh to ₹10 Lakh

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

Medicare

Not Specified

Maternity Cover

Health Companion Variant 1

Not covered

VS

Medicare

Not Covered

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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