Niva Bupa Health Insurance Health Companion Variant 2022 vs Niva Bupa Health Insurance Heart Beat Gold

The shared room category is covered in your base policy.

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

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

No

Yes

Not Available

Optional

11000+ Healthcare Providers

10000+ Healthcare Providers

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

100% of base sum insured restored once every policy year for future claims

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

Your sum insured increases by 10% every year, maximum up to 100%

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

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

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

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

No. However, available as an add-on

Yes

30 days.

90 days.

2 years

2 years

3 years

3 years

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

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

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

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

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

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

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

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expenses are not available

Available

Available as an option

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

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr

90.10%

90.10%

Not Available

Available with capping based on base sum insured.