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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2022 vs Royal Sundaram Family Plus

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

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Niva Bupa

Health Companion Variant 2022

Comprehensive family health cover with no room rent capping, 2-hour hospitalisation, 100% refill and health check-ups from day one.

What Makes It Special:

A no-room-rent-cap health plan that covers hospital stays of just 2 hours or more, with 60/180 days pre/post hospitalisation cover and a refill that works even for the same illness.

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
Royal Sundaram

Family Plus

Give each member an individual sum insured plus a shared floater, with no room rent cap, a one-time reload for a different illness after both are used up, and maternity cover of up to ₹50,000 a delivery.

What Makes It Special:

Family Plus 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

Royal Sundaram Family Plus

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
Family Plus
Family Plus

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

Family Plus

Normal: No Room Rent Capping

ICU: Covered up to Sum Insured

ICU Charges

Health Companion Variant 2022

No restriction on ICU room rent

VS

Family Plus

Information Unavailable

Advanced Treatments

Health Companion Variant 2022

Information Unavailable

VS

Family Plus

Not mentioned

Disease-wise sublimits

Health Companion Variant 2022

No

VS

Family Plus

Information Unavailable

Co-payment

Health Companion Variant 2022

Not Available

VS

Family Plus

Not mentioned

Waiting Period

Health Companion Variant 2022

Information Unavailable

VS

Family Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions)

Maternity Waiting Period: 24 Months

Cashless Healthcare Providers

Health Companion Variant 2022

11000+ Healthcare Providers

VS

Family Plus

7,000+ Network Hospitals

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

Family Plus

Information Unavailable

Cumulative Bonus

Health Companion Variant 2022

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

VS

Family Plus

Information Unavailable

Daycare Treatment

Health Companion Variant 2022

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

VS

Family Plus

Covered up to Sum Insured

AYUSH Treatment

Health Companion Variant 2022

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

VS

Family Plus

Covered

Consumable Cover

Health Companion Variant 2022

No. However, available as an add-on

VS

Family Plus

Information Unavailable

Initial Waiting Period

Health Companion Variant 2022

30 days.

VS

Family Plus

Information Unavailable

Specific Waiting Period

Health Companion Variant 2022

2 years

VS

Family Plus

Information Unavailable

PED Waiting Period

Health Companion Variant 2022

3 years

VS

Family Plus

Information Unavailable

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

Family Plus

Information Unavailable

Annual Health Checkup

Health Companion Variant 2022

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

VS

Family Plus

Information Unavailable

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

Family Plus

Information Unavailable

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

Family Plus

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2022

OPD expense is not included

VS

Family Plus

Information Unavailable

Deductible Option

Health Companion Variant 2022

Available

VS

Family Plus

Information Unavailable

Coverage Options

Health Companion Variant 2022

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

VS

Family Plus

Information Unavailable

Claim Settlement Ratio

Health Companion Variant 2022

92.02%

VS

Family Plus

Information Unavailable

Maternity Cover

Health Companion Variant 2022

Not Available

VS

Family Plus

Information Unavailable

Insurance Plans Comparison

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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.

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