Insurance Plans Comparison
Star Medi Classic Gold 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 moreMedi Classic Gold
Medi Classic Gold
What Makes It Special:
An individual health insurance plan with hospitalisation coverage and additional benefits, including restoration, domiciliary treatment, organ donor expenses, newborn baby hospitalisation, tele-consultation and home care treatment, subject to applicable policy terms, limits and exclusions.
Best For:
Individuals interested in tele-consultation and home care treatment benefits.
Customers looking for organ donor and domiciliary treatment coverage.
Individuals seeking Private Single AC Room eligibility under applicable Sum Insured options.
Customers looking for restoration benefits subject to policy conditions.
Individuals seeking individual hospitalisation coverage.
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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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
Review exclusions and waiting periods before purchasing the policy.
Understand the conditions governing automatic restoration and Super Restoration.
Check newborn baby coverage conditions and applicable limits.
Review treatment-specific limits, including modern treatment limits.
Check room-rent eligibility based on the selected Sum Insured.
Review the 10% co-payment applicable to insured persons whose entry age is 61 years or above.
Check the 24-month waiting period for specified diseases and procedures.
Review the 36-month waiting period for pre-existing diseases.
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
![]() Medi Classic Gold Health Insurance Plan VS VS |
Health Companion Variant 3 Health Insurance Plan |
| Room Rent |
|---|
Medi Classic Gold Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording. |
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 |
| ICU Charges |
|---|
Medi Classic Gold Covered subject to applicable policy terms and limits. Confirm the exact limit in the current policy wording. |
VS VS |
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care |
| Co-payment |
|---|
Medi Classic Gold A 10% co-payment applies to insured persons whose entry age is 61 years or above, subject to policy terms. |
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 |
|---|
Medi Classic Gold Specific limits may apply to certain treatments and benefits, including modern treatments and cataract treatment. Refer to the current policy wording for applicable limits. |
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 |
| Cashless Healthcare Providers |
|---|
Medi Classic Gold Cashless treatment is available at eligible network hospitals, subject to pre-authorisation, hospital participation and policy conditions. |
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 |
|---|
Medi Classic Gold The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording. |
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 |
|---|
Medi Classic Gold Eligible daycare procedures are covered, subject to policy terms and applicable limits. |
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 |
|---|
Medi Classic Gold Available under the Gold Plan, subject to claim-free-year rules and applicable limits. Confirm the precise increment and reduction conditions against the current policy wording. |
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 |
|---|
Medi Classic Gold Eligible inpatient AYUSH treatment is covered up to the Basic Sum Insured, subject to policy terms and conditions. |
VS VS |
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured |
| Consumable Cover |
|---|
Medi Classic Gold Not established from the reviewed source. Verify whether consumables are covered under the base policy or an optional benefit. |
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 |
|---|
Medi Classic Gold 30 days for illnesses from the first policy commencement date, except covered accident claims, subject to policy terms |
VS VS |
Health Companion Variant 3 30 Days (not applicable to accidents) |
| Specific Waiting Period |
|---|
Medi Classic Gold 24 months for specified diseases and procedures, subject to policy terms. |
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 |
|---|
Medi Classic Gold 36 months of continuous coverage, subject to policy terms and acceptance of the pre-existing disease. |
VS VS |
Health Companion Variant 3 36 Months |
| Modern Treatment |
|---|
Medi Classic Gold Covered subject to applicable policy limits and policy terms. |
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 |
|---|
Medi Classic Gold Preventive health check-up is available at network providers, subject to the applicable Sum Insured, package limits and policy conditions. Confirm the exact benefit limit before publication. |
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 |
|---|
Medi Classic Gold Up to 30 days before hospitalisation, subject to policy terms. |
VS VS |
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis) |
| Post-Hospitalisation |
|---|
Medi Classic Gold Up to 60 days after discharge under the Gold Plan, subject to policy terms. |
VS VS |
Health Companion Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis) |
| Outpatient Department Cover (OPD Expense) |
|---|
Medi Classic Gold Routine OPD coverage is not established from the reviewed source. Tele-consultation is listed separately as a benefit. |
VS VS |
Health Companion Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500 |
| Deductible Option |
|---|
Medi Classic Gold Not established from the reviewed source. Verify the policy wording and schedule before publishing. |
VS VS |
Health Companion Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh |
| Coverage Options |
|---|
Medi Classic Gold Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document. |
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 |
|---|
Medi Classic Gold Not verified for this specific product variant. Do not publish a numerical ratio without a reliable, dated source. |
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 |
|---|
Medi Classic Gold Maternity expenses are excluded, subject to any specific exception stated in the applicable policy wording. |
VS VS |
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18) |
Insurance Plans Comparison
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