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Insurance Plans Comparison

Niva Bupa Health Companion Variant 3 vs Niva Bupa Aspire Gold+

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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
Niva Bupa

Aspire Gold+

Get health insurance with Booster+ benefits, unlimited ReAssure Forever protection, maternity-related M-iracle benefits and flexible optional covers for your healthcare needs.

What Makes It Special:

Niva Bupa Aspire Gold+ is a health insurance variant designed to provide hospitalisation protection alongside benefits that help preserve and extend coverage over time. It includes eligible inpatient and day-care treatment, modern treatments, AYUSH, pre- and post-hospitalisation expenses, home care, organ donor expenses and cashless annual health check-ups. ReAssure Forever...

Best For:

  • Customisable coverage: For people who want to consider optional benefits such as Claim Safeguard+, Cash-Bag, Borderless or Hospital Daily Cash.

  • Everyday healthcare support: For buyers interested in optional WellConsult OPD services, including consultations, diagnostics and pharmacy benefits.

  • Maternity-related planning: For those who want the M-iracle benefit and can plan around its 48-month waiting period.

  • Growing unused cover: For customers who want unused base sum insured carried forward through Booster+, within Gold+'s applicable limits.

  • Long-term health protection: For buyers seeking hospitalisation cover with ReAssure Forever after the first paid claim.

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.

  • Evaluate optional benefits: Compare the extra premium and conditions for WellConsult OPD, Cash-Bag, Safeguard+, Borderless and other available options.

  • Plan maternity benefits early: M-iracle has a 48-month waiting period under Gold+, so review eligibility and benefit limits before purchasing.

  • Review waiting periods: The brochure lists a 30-day initial waiting period. Confirm the applicable pre-existing disease and specific disease waiting periods in your policy schedule.

  • Understand Booster+: For Gold+, unused base sum insured carries forward up to 3X for entry ages 18–35, 2X for ages 36–45 and 1X for ages 46 and above.

  • Select your base sum insured: Choose from ₹3 lakh to ₹1 crore based on your healthcare needs and budget.

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
Aspire Gold+
Aspire Gold+

Health Insurance Plan

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

Aspire Gold+

All room categories are covered

ICU Charges

Health Companion Variant 3

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

VS

Aspire Gold+

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

Aspire Gold+

Not available

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

Aspire Gold+

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

Aspire Gold+

10,000+ 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

Aspire Gold+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, 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

Aspire Gold+

Unutilised sum insured can be carried forward up to 3X (entry age 18–35 yrs), 2X (entry age 36–45 yrs), and 1X (entry age 46+ yrs)

Daycare Treatment

Health Companion Variant 3

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

VS

Aspire Gold+

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

Aspire Gold+

No. However, available as an add-on

AYUSH Treatment

Health Companion Variant 3

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

VS

Aspire Gold+

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

Aspire Gold+

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

Aspire Gold+

2 years
 

PED Waiting Period

Health Companion Variant 3

36 Months

VS

Aspire Gold+

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

Aspire Gold+

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

Aspire Gold+

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

Pre-Hospitalisation

Health Companion Variant 3

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

VS

Aspire Gold+

You get cover for medical tests and doctor visits up to 60 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

Aspire Gold+

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

Aspire Gold+

OPD expense is not included

Deductible Option

Health Companion Variant 3

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

VS

Aspire Gold+

Available as optional feature.

Coverage Options

Health Companion Variant 3

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

VS

Aspire Gold+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

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

Aspire Gold+

92.02%

Maternity Cover

Health Companion Variant 3

Not covered (Maternity excluded, Code Excl18)

VS

Aspire Gold+

Available (specific terms apply).

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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

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