Insurance Plans Comparison
Niva Bupa Health Companion Variant 2022 vs HDFC ERGO Energy Silver With Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Health Companion Variant 2022
Niva Bupa Health Companion Variant 2022
What Makes It Special:
The Niva Bupa Health Companion Variant 2022 is a comprehensive health insurance plan with options for both Individual and Family Floater policies. There is no Room Rent Limit in this plan.The Safeguard+ add-on covers all non-payable expenses and protects your No Claim Bonus if claims are up to ₹1,00,000....
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
Energy Silver With Copay
HDFC ERGO Energy Silver Plan
What Makes It Special:
Energy Silver focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
Day-one coverage, no waiting period
Reward-based health insurance plan
Comprehensive wellness-focused protection
Dedicated diabetes and hypertension coverage
Insurance Plans Comparison
Get Personalized Advice
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
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
You need pre and post-hospitalization costs covered
You appreciate restore and cumulative bonus on sum insured
You want reward points for maintaining health
You need day-one hospitalization, no waiting period
You want health cover for diabetes or hypertension
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Companion Variant 2022 Health Insurance Plan VS VS |
Energy Silver With Copay Health Insurance Plan |
| 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 VS |
Energy Silver With Copay All room categories are covered |
| ICU Charges |
|---|
Health Companion Variant 2022 No restriction on ICU room rent |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Health Companion Variant 2022 No |
VS VS |
Energy Silver With Copay No |
| Co-payment |
|---|
Health Companion Variant 2022 Not Available |
VS VS |
Energy Silver With Copay Available as an option |
| Cashless Healthcare Providers |
|---|
Health Companion Variant 2022 11000+ Healthcare Providers |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| 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 VS |
Energy Silver With Copay Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Health Companion Variant 2022 Your sum insured increases by 20% for every claim-free year, up to 100% |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum 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 VS |
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| AYUSH Treatment |
|---|
Health Companion Variant 2022 Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Health Companion Variant 2022 No. However, available as an add-on |
VS VS |
Energy Silver With Copay Yes |
| Initial Waiting Period |
|---|
Health Companion Variant 2022 30 days. |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Health Companion Variant 2022 2 years |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Health Companion Variant 2022 3 years |
VS VS |
Energy Silver With Copay 2 years |
| 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 VS |
Energy Silver With Copay Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Health Companion Variant 2022 Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| 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 VS |
Energy Silver With Copay You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| 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 VS |
Energy Silver With Copay You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Companion Variant 2022 OPD expense is not included |
VS VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Health Companion Variant 2022 Available |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Health Companion Variant 2022 Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Health Companion Variant 2022 92.02% |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Health Companion Variant 2022 Not Available |
VS VS |
Energy Silver With Copay Not available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
End-to-End Support
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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Health Companion Variant 2022 Vs Energy Silver With Copay
