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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2022 vs Niva Bupa Health Companion Variant 2

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 2022

Comprehensive family health cover with no room rent capping, 2-hour hospitalisation, 100% refill and health check-ups from day one.

What Makes It Special:

A no-room-rent-cap health plan that covers hospital stays of just 2 hours or more, with 60/180 days pre/post hospitalisation cover and a refill that works even for the same illness.

Best For:

  • High coverage for families

  • Those who want extra protection through optional add-ons

  • Customers who value regular health check-ups and ambulance services

  • Hospital Room Rent Freedom

VS
Niva Bupa

Health Companion Variant 2

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 ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. 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 plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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 2022

  • You need coverage for home treatments.

  • You want free health check-ups from day one.

  • You want cover restored after every claim.

  • You prefer hassle-free cashless hospital treatment

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • 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

Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Health Companion Variant 2022

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

Health Companion Variant 2022

No restriction on ICU room rent

VS

Health Companion Variant 2

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

Advanced Treatments

Health Companion Variant 2022

Information Unavailable

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Disease-wise sublimits

Health Companion Variant 2022

No

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Co-payment

Health Companion Variant 2022

Not Available

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Cashless Healthcare Providers

Health Companion Variant 2022

11000+ Healthcare Providers

VS

Health Companion Variant 2

10,000+ network hospitals.

Restoration Benefit

Health Companion Variant 2022

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

VS

Health Companion Variant 2

Information Unavailable

Cumulative Bonus

Health Companion Variant 2022

Your sum insured increases by 20% for every claim-free year, up to 100%

VS

Health Companion Variant 2

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

Daycare Treatment

Health Companion Variant 2022

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Health Companion Variant 2

Covered under the policy. 

AYUSH Treatment

Health Companion Variant 2022

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Health Companion Variant 2

Covered under this policy

Consumable Cover

Health Companion Variant 2022

No. However, available as an add-on

VS

Health Companion Variant 2

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

Initial Waiting Period

Health Companion Variant 2022

30 days.

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Health Companion Variant 2022

2 years

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Health Companion Variant 2022

3 years

VS

Health Companion Variant 2

36 months

Modern Treatment

Health Companion Variant 2022

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Health Companion Variant 2022

Health check-up is available once every policy year, from day 1 of the policy

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Health Companion Variant 2022

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

Health Companion Variant 2022

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2022

OPD expense is not included

VS

Health Companion Variant 2

Not covered

Deductible Option

Health Companion Variant 2022

Available

VS

Health Companion Variant 2

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

Coverage Options

Health Companion Variant 2022

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

VS

Health Companion Variant 2

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

Claim Settlement Ratio

Health Companion Variant 2022

92.02%

VS

Health Companion Variant 2

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

Health Companion Variant 2022

Not Available

VS

Health Companion Variant 2

Not covered

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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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