Insurance Plans Comparison
Royal Sundaram Multiplier Health vs Niva Bupa Health Companion Variant 3
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMultiplier Health
Multiplier Health
What Makes It Special:
Multiplier Health 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
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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Quick Decision Guide
Not available
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
![]() Multiplier Health Health Insurance Plan VS VS |
Health Companion Variant 3 Health Insurance Plan |
| Room Rent |
|---|
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
VS 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 |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Companion Variant 3 Information Unavailable |
| ICU Charges |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care |
| Co-payment |
|---|
Multiplier Health No mandatory co-pay |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health 30 Days 36 Months 24 Months |
VS VS |
Health Companion Variant 3 Information Unavailable |
| Cashless Healthcare Providers |
|---|
Multiplier Health Cashless Available |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Companion Variant 3 Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis |
| Cumulative Bonus |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured |
| Consumable Cover |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 30 Days (not applicable to accidents) |
| Specific Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 36 Months |
| Modern Treatment |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis) |
| Post-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis) |
| Outpatient Department Cover (OPD Expense) |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500 |
| Deductible Option |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh |
| Coverage Options |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS 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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18) |
Insurance Plans Comparison
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