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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2 vs Niva Bupa Health Recharge

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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

VS
Niva Bupa

Health Recharge

Super top-up health insurance for additional financial protection against hospitalisation expenses.

What Makes It Special:

Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.

Best For:

  • Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.

  • People looking for optional personal accident or critical illness cover.

  • Buyers who want to supplement an existing base health insurance policy.

  • Families seeking a higher total health cover with a chosen deductible.

  • People who already have employer-provided or individual health insurance and want additional cover.

Insurance Plans Comparison

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Quick Decision Guide

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.

Niva Bupa Health Recharge

  • Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.

  • Review the waiting periods and exclusions in the complete policy wording before purchasing.

  • Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.

  • Check whether your existing health insurance cover and the selected deductible work well together.

  • Choose a deductible you can comfortably pay before the plan begins contributing.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

VS
Health Recharge
Health Recharge

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Variant 2

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

Health Recharge

Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible.

Advanced Treatments

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 
VS

Health Recharge

Information Unavailable

ICU Charges

Health Companion Variant 2

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

VS

Health Recharge

Covered up to sum insured with no specific restrictions.

Co-payment

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.

VS

Health Recharge

Not applicable; annual aggregate deductible is the cost-sharing mechanism.

Disease-wise sublimits

Health Companion Variant 2

No disease sublimit schedule in the prospectus

VS

Health Recharge

Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K)

Cashless Healthcare Providers

Health Companion Variant 2

10,000+ network hospitals.

VS

Health Recharge

10,000+ Niva Bupa empanelled network hospitals.

Restoration Benefit

Health Companion Variant 2

Information Unavailable

VS

Health Recharge

Not available under Health Recharge plan.

Daycare Treatment

Health Companion Variant 2

Covered under the policy. 

VS

Health Recharge

All eligible day-care treatments covered up to sum insured.

Cumulative Bonus

Health Companion Variant 2

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

VS

Health Recharge

Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L).

AYUSH Treatment

Health Companion Variant 2

Covered under this policy

VS

Health Recharge

Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI.

Consumable Cover

Health Companion Variant 2

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

VS

Health Recharge

Yes, medicines, drugs and consumables as prescribed by treating practitioner.

Initial Waiting Period

Health Companion Variant 2

30 days, except accidents

VS

Health Recharge

30 days from first policy commencement (no exception for accidents).

Specific Waiting Period

Health Companion Variant 2

24 months for listed conditions

VS

Health Recharge

24 months for specified diseases and procedures listed in policy.

PED Waiting Period

Health Companion Variant 2

36 months

VS

Health Recharge

36 months continuous coverage from policy inception.

Modern Treatment

Health Companion Variant 2

Covered up to the sum insured

VS

Health Recharge

Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits.

Annual Health Checkup

Health Companion Variant 2

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

VS

Health Recharge

Not listed as base benefit; health assessment available separately.

Pre-Hospitalisation

Health Companion Variant 2

60 days before admission

VS

Health Recharge

Up to 60 days before hospitalisation when related claim is admissible.

Post-Hospitalisation

Health Companion Variant 2

180 days after discharge

VS

Health Recharge

Up to 90 days after discharge for eligible medical expenses.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2

Not covered

VS

Health Recharge

Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access.

Deductible Option

Health Companion Variant 2

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

VS

Health Recharge

Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available.

Coverage Options

Health Companion Variant 2

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

VS

Health Recharge

₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L.

Claim Settlement Ratio

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).

VS

Health Recharge

80%

Maternity Cover

Health Companion Variant 2

Not covered

VS

Health Recharge

Excluded under this policy.

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

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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

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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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