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Insurance Plans Comparison

Niva Bupa Health Companion Variant 3 vs Aditya Birla Activ One Vytl

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 3

High-cover family health insurance from ₹15 Lakh to ₹1 Crore with any room (except suite), 20% No Claim Bonus and a yearly refill.

What Makes It Special:

A high Sum Insured version of Health Companion (₹15 Lakh to ₹1 Crore) with near-any-room eligibility, a 100% refill and the highest animal-bite vaccination and Hospital Cash limits among Variants 1 to 3.

Best For:

  • Existing Health Companion customers renewing on the Variant 3 structure

  • People wanting an optional deductible to reduce premium

  • Buyers who want a No Claim Bonus of 20% per claim-free year

  • People who want to choose almost any hospital room

  • Families wanting a high Sum Insured of ₹15 Lakh or more

VS
Aditya Birla

Activ One Vytl

Health Insurance with Day 1 Chronic Disease Cover and Chronic Management Program

What Makes It Special:

Aditya Birla Activ One VYTL is a tailored health insurance plan designed for Vitality customers seeking all-round protection and wellness rewards. It offers extensive hospitalization cover, day care treatments, health returns, and chronic management benefits. With features like wellness coaching, annual health check-ups, and optional covers such as maternity and...

Best For:

  • Wellness-Focused Health Insurance

  • Chronic Care Management Plan

  • Rewards for Healthy Lifestyle

  • Customizable with Optional Covers

Insurance Plans Comparison

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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 3

  • Things to Consider: Non-payable consumables in Annexure I are not covered, and no consumables add-on is listed for this variant.

  • Things to Consider: Maternity and OPD consultations are not covered.

  • Things to Consider: Refill cannot be used for the same illness in the same year.

  • Things to Consider: Pre-existing diseases are covered only after 36 months.

  • Things to Consider: Pre and post hospitalisation is limited to 30 and 60 days.

  • Reasons to Consider: Annual health check-up from the second year and animal-bite vaccination up to ₹7,500.

  • Reasons to Consider: 100% refill of Base Sum Insured once a year for a different illness.

  • Reasons to Consider: 20% No Claim Bonus per claim-free year, up to 100% of Base Sum Insured.

  • Reasons to Consider: Any room covered up to Sum Insured, except Suite or above.

  • Reasons to Consider: High Sum Insured options from ₹15 Lakh to ₹1 Crore.

Aditya Birla Activ One Vytl

  • Seeking health cover with wellness rewards

  • Want chronic illness management support

  • Prefer personalized health coaching benefits

  • Looking to earn HealthReturns regularly

  • Need flexibility with optional add-ons

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 3
Health Companion Variant 3

Health Insurance Plan

Brochure

VS
Activ One Vytl
Activ One Vytl

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Variant 3

Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used

VS

Activ One Vytl

All room categories are covered

ICU Charges

Health Companion Variant 3

Covered up to Sum Insured as part of In-patient Care

VS

Activ One Vytl

No restriction on ICU room rent

Co-payment

Health Companion Variant 3

No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities

VS

Activ One Vytl

Available as an option

Disease-wise sublimits

Health Companion Variant 3

No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash

VS

Activ One Vytl

No

Cashless Healthcare Providers

Health Companion Variant 3

Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count)

VS

Activ One Vytl

11000+ Healthcare Providers

Restoration Benefit

Health Companion Variant 3

Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)

VS

Activ One Vytl

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

Cumulative Bonus

Health Companion Variant 3

No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim

VS

Activ One Vytl

Your sum insured increases by 50% every year up to 100%, maximum 3cr

Daycare Treatment

Health Companion Variant 3

Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis

VS

Activ One Vytl

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

Consumable Cover

Health Companion Variant 3

Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3

VS

Activ One Vytl

Yes 

AYUSH Treatment

Health Companion Variant 3

In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured

VS

Activ One Vytl

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

Initial Waiting Period

Health Companion Variant 3

30 Days (not applicable to accidents)

VS

Activ One Vytl

30 days

Specific Waiting Period

Health Companion Variant 3

24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days

VS

Activ One Vytl

2 years

PED Waiting Period

Health Companion Variant 3

36 Months

VS

Activ One Vytl

3 years

Modern Treatment

Health Companion Variant 3

Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions)

VS

Activ One Vytl

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

Annual Health Checkup

Health Companion Variant 3

Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT)

VS

Activ One Vytl

Health check-up is available from the first policy year

Pre-Hospitalisation

Health Companion Variant 3

Up to 30 Days, covered up to Sum Insured (reimbursement basis)

VS

Activ One Vytl

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health Companion Variant 3

Up to 60 Days, covered up to Sum Insured (reimbursement basis)

VS

Activ One Vytl

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

Outpatient Department Cover (OPD Expense)

Health Companion Variant 3

Not covered; only OPD vaccination after an animal bite, up to ₹7,500

VS

Activ One Vytl

OPD expense is not included

Deductible Option

Health Companion Variant 3

Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh

VS

Activ One Vytl

Available as an option

Coverage Options

Health Companion Variant 3

Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater

VS

Activ One Vytl

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

Claim Settlement Ratio

Health Companion Variant 3

96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

VS

Activ One Vytl

96%

Maternity Cover

Health Companion Variant 3

Not covered (Maternity excluded, Code Excl18)

VS

Activ One Vytl

Not available

Insurance Plans Comparison

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

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • 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

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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)

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