Niva Bupa Health Insurance Health Companion Variant 2022 vs Niva Bupa Health Insurance Senior First Gold Plan

The shared room category is covered in your base policy.

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

The shared Room is covered.

No restriction on ICU room rent

No restriction on ICU room rent

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

No

No

Not Available

Yes, 50%

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

Not Available.

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

Not Available

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

Not Available

30 days.

30 days.

2 years

2 years

3 years

2 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

Not Available

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 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included

Available

Available

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

Available coverage options: ₹5L, ₹10L

90.10%

90.10%

Not Available

Not Available