Oneassure

Partner with us

Insurance Plans Comparison

Niva Bupa Health Companion Variant 2022 vs Niva Bupa Reassure 3.0 Elite

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Niva Bupa

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
Niva Bupa

Reassure 3.0 Elite

Reassure 3.0 Elite

What Makes It Special:

Reassure 3.0 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

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 Reassure 3.0 Elite

Not available

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
Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

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

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

ICU Charges

Health Companion Variant 2022

No restriction on ICU room rent

VS

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

Disease-wise sublimits

Health Companion Variant 2022

No

VS

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

Co-payment

Health Companion Variant 2022

Not Available

VS

Reassure 3.0 Elite

Optional: 0%, 20%, 30%, 40%, 50% available.

Cashless Healthcare Providers

Health Companion Variant 2022

11000+ Healthcare Providers

VS

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

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

Reassure 3.0 Elite

ReAssure Forever: Base SI restored after first claim, unlimited times.

Cumulative Bonus

Health Companion Variant 2022

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

VS

Reassure 3.0 Elite

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

Daycare Treatment

Health Companion Variant 2022

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

VS

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

AYUSH Treatment

Health Companion Variant 2022

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

VS

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Consumable Cover

Health Companion Variant 2022

No. However, available as an add-on

VS

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

Initial Waiting Period

Health Companion Variant 2022

30 days.

VS

Reassure 3.0 Elite

30 days (except accidents).

Specific Waiting Period

Health Companion Variant 2022

2 years

VS

Reassure 3.0 Elite

24 months standard with modifiable options.

PED Waiting Period

Health Companion Variant 2022

3 years

VS

Reassure 3.0 Elite

36 months standard with reduction option available.

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

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

Annual Health Checkup

Health Companion Variant 2022

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

VS

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

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

Reassure 3.0 Elite

Up to 60 days before hospitalisation when related to approved claim.

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

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2022

OPD expense is not included

VS

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

Deductible Option

Health Companion Variant 2022

Available

VS

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

Coverage Options

Health Companion Variant 2022

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

VS

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Health Companion Variant 2022

92.02%

VS

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

Maternity Cover

Health Companion Variant 2022

Not Available

VS

Reassure 3.0 Elite

Not in standard Elite base benefit.

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

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Health Companion Variant 2022 vs Optima Secure

Health Companion Variant 2022 vs Optima Secure Plus

Health Companion Variant 2022 vs Cancer Cover Activ Cancer Secure Plan

Health Companion Variant 2022 vs Women Care

Health Companion Variant 2022 vs Activate Booster Plan A

Reassure 3.0 Elite vs Optima Secure

Reassure 3.0 Elite vs Optima Secure Plus

Reassure 3.0 Elite vs Cancer Cover Activ Cancer Secure Plan

Reassure 3.0 Elite vs Women Care

Reassure 3.0 Elite vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Companion Variant 2022 Vs Reassure 3.0 Elite

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.