Insurance Plans Comparison
Niva Bupa Health Companion Variant 3 vs Aditya Birla Cancer Cover Activ Cancer Secure Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth 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
Cancer Cover Activ Cancer Secure Plan
Aditya Birla Activ Cancer Secure Plan
What Makes It Special:
Cancer Cover 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
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Quick Decision Guide
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.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Companion Variant 3 Health Insurance Plan VS VS |
Cancer Cover Activ Cancer Secure Plan Health Insurance Plan |
| Room Rent |
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Health Companion Variant 3 Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used |
VS VS |
Cancer Cover Activ Cancer Secure Plan
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| ICU Charges |
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Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Advanced Treatments |
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Health Companion Variant 3 Information Unavailable |
VS VS |
Cancer Cover Activ Cancer Secure Plan The plan covers Targeted Therapy, Immunotherapy, Proton Therapy, Robotic Surgery, and Bone Marrow Transplant, ensuring advanced cancer treatments with precision, faster recovery, and financial support for critical procedures like radiation, immune-boosting, and transplants.
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| Co-payment |
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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 VS |
Cancer Cover Activ Cancer Secure Plan Copayment percentage varies based on age, sum insured, and treatment type. |
| 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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Waiting Period |
|---|
Health Companion Variant 3 Information Unavailable |
VS VS |
Cancer Cover Activ Cancer Secure Plan
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| Cashless Healthcare Providers |
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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 VS |
Cancer Cover Activ Cancer Secure Plan 24800+ network hospitals |
| 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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| 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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Daycare Treatment |
|---|
Health Companion Variant 3 Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis |
VS VS |
Cancer Cover Activ Cancer Secure Plan Covered under the policy |
| Consumable Cover |
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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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| AYUSH Treatment |
|---|
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured |
VS VS |
Cancer Cover Activ Cancer Secure Plan AYUSH treatment covered under this policy |
| Initial Waiting Period |
|---|
Health Companion Variant 3 30 Days (not applicable to accidents) |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| 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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| PED Waiting Period |
|---|
Health Companion Variant 3 36 Months |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| 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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| 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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Pre-Hospitalisation |
|---|
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis) |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Post-Hospitalisation |
|---|
Health Companion Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis) |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Companion Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500 |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Deductible Option |
|---|
Health Companion Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Coverage Options |
|---|
Health Companion Variant 3 Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| 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 VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
| Maternity Cover |
|---|
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18) |
VS VS |
Cancer Cover Activ Cancer Secure Plan Information Unavailable |
Insurance Plans Comparison
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