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Insurance Plans Comparison

HDFC ERGO myHealth Koti Suraksha vs Niva Bupa Health Companion Variant 3

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

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HDFC ERGO

myHealth Koti Suraksha

myHealth Koti Suraksha

What Makes It Special:

myHealth Koti Suraksha is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
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

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

HDFC ERGO myHealth Koti Suraksha

Not available

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Koti Suraksha
myHealth Koti Suraksha

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 3
Health Companion Variant 3

Health Insurance Plan

Brochure

Room Rent

myHealth Koti Suraksha

Single Standard AC Room

Covered as part of hospitalization expenses

VS

Health Companion Variant 3

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

Advanced Treatments

myHealth Koti Suraksha

Advanced Technology Methods Covered

VS

Health Companion Variant 3

Information Unavailable

ICU Charges

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

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

Co-payment

myHealth Koti Suraksha

20% Co-payment

VS

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

Disease-wise sublimits

myHealth Koti Suraksha

Information Unavailable

VS

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

Waiting Period

myHealth Koti Suraksha

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

VS

Health Companion Variant 3

Information Unavailable

Cashless Healthcare Providers

myHealth Koti Suraksha

Available through network hospitals

VS

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)

Restoration Benefit

myHealth Koti Suraksha

Information Unavailable

VS

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)

Daycare Treatment

myHealth Koti Suraksha

Covered

VS

Health Companion Variant 3

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

Cumulative Bonus

myHealth Koti Suraksha

Information Unavailable

VS

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

AYUSH Treatment

myHealth Koti Suraksha

Covered

VS

Health Companion Variant 3

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

Consumable Cover

myHealth Koti Suraksha

Information Unavailable

VS

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

Initial Waiting Period

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

30 Days (not applicable to accidents)

Specific Waiting Period

myHealth Koti Suraksha

Information Unavailable

VS

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

PED Waiting Period

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

36 Months

Modern Treatment

myHealth Koti Suraksha

Information Unavailable

VS

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)

Annual Health Checkup

myHealth Koti Suraksha

Information Unavailable

VS

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)

Pre-Hospitalisation

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

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

Post-Hospitalisation

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

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

Outpatient Department Cover (OPD Expense)

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

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

Deductible Option

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

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

Coverage Options

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

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

Claim Settlement Ratio

myHealth Koti Suraksha

Information Unavailable

VS

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)

Maternity Cover

myHealth Koti Suraksha

Information Unavailable

VS

Health Companion Variant 3

Not covered (Maternity excluded, Code Excl18)

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

  • 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)

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