Insurance Plans Comparison
TATA AIG Medicare Protect 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 moreMedicare Protect
Medicare Protect
What Makes It Special:
TATA AIG MediCare Protect is a comprehensive health insurance plan designed to cover eligible medical expenses arising from illness, disease and accidental injury. The plan provides In-Patient Treatment, Day Care Procedures, pre and post-hospitalisation coverage, AYUSH treatment, domiciliary treatment and organ donor expenses, along with benefits such as restoration, health...
Best For:
Customers looking for additional protection through benefits such as Consumables Benefit and the optional Accidental Death Benefit.
Individuals who want coverage for AYUSH treatment, domiciliary treatment and eligible organ donor expenses.
Customers looking for additional support through restoration, preventive health check-ups and compassionate travel benefits.
Families looking for health insurance with Family Floater coverage and shared Sum Insured benefits.
Individuals looking for comprehensive coverage for hospitalisation and Day Care Procedures.
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
Get Personalized Advice
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
If you want additional protection against specified medical consumables or accidental death, the applicable benefits can be available subject to the policy schedule and conditions.
The plan provides a preventive health check-up benefit after every three continuous claim-free policy years, subject to the applicable limit and conditions.
Consider the plan if access to AYUSH treatment, domiciliary treatment and eligible organ donor expenses is important to you.
The plan may be suitable if you want automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to the applicable conditions.
Consider MediCare Protect if you want coverage for hospitalisation along with pre-hospitalisation, post-hospitalisation and listed Day Care Procedures.
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
![]() Medicare Protect Health Insurance Plan VS VS |
Health Companion Variant 3 Health Insurance Plan |
| Room Rent |
|---|
Medicare Protect Normal: Shared Accommodation |
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 |
|---|
Medicare Protect Covered |
VS VS |
Health Companion Variant 3 Information Unavailable |
| ICU Charges |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care |
| Co-payment |
|---|
Medicare Protect 10% co-payment on admissible claim amount |
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 |
|---|
Medicare Protect 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 |
|---|
Medicare Protect Initial Waiting Period: 30 Days (except accidents) Pre-existing Disease Waiting Period: 48 Months |
VS VS |
Health Companion Variant 3 Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare Protect Cashless facility available at network hospitals |
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 |
|---|
Medicare Protect 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 |
|---|
Medicare Protect Covered |
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 |
|---|
Medicare Protect 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 |
|---|
Medicare Protect Covered |
VS VS |
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured |
| Consumable Cover |
|---|
Medicare Protect 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 |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 30 Days (not applicable to accidents) |
| Specific Waiting Period |
|---|
Medicare Protect 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 |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 36 Months |
| Modern Treatment |
|---|
Medicare Protect 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 |
|---|
Medicare Protect 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 |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis) |
| Post-Hospitalisation |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis) |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500 |
| Deductible Option |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh |
| Coverage Options |
|---|
Medicare Protect 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 |
|---|
Medicare Protect 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 |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18) |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Medicare Protect vs Optima Secure
Medicare Protect vs Super Mediclaim
Medicare Protect vs Health Recharge
Medicare Protect vs Cancer Cover Activ Cancer Secure Plan
Medicare Protect vs Optima Secure Plus
Medicare Protect vs Women Care
Medicare Protect vs Aspire Diamond+
Medicare Protect vs Activate Booster Plan A
Medicare Protect vs Active Care Premier
Medicare Protect vs ProHealth Accumulate
Medicare Protect vs Health Super Saver Standard
Medicare Protect vs Supreme Shine
Medicare Protect vs Optima Secure Global Plus
Medicare Protect vs Health Cardiac Care Silver & Gold Plan
Medicare Protect vs myHealth Suraksha Gold
Medicare Protect vs LifeTime Health Global
Medicare Protect vs Active Fit Plus
Medicare Protect vs OneHealth Premium
Medicare Protect vs Activ Health Platinum Essential
Medicare Protect vs Medicare Plus
Medicare Protect vs Medicare Senior
Medicare Protect vs Enhance Super Top-up Two
Medicare Protect vs Activ One SAVR
Medicare Protect vs Active Assure Diamond
Medicare Protect vs Activ One VIP
Medicare Protect vs Health Pulse Classic
Medicare Protect vs Advantage
Medicare Protect vs Special Care Gold
Medicare Protect vs Activ One Max
Medicare Protect vs Classic
Medicare Protect vs Activ One Vytl
Medicare Protect vs Supreme
Medicare Protect vs Freedom
Medicare Protect vs Sarvah Pratham
Medicare Protect vs Joy Today
Medicare Protect vs Medi Classic
Medicare Protect vs Activate Booster Plan B
Medicare Protect vs Aspire Gold+
Medicare Protect vs Aspire Platinum+
Medicare Protect vs Plus Complete
Medicare Protect vs Reassure 2.0 Platinum+
Medicare Protect vs Elder Care
Medicare Protect vs Reassure 3.0 Elite
Medicare Protect vs EquiCover
Medicare Protect vs Young Star Gold
Medicare Protect vs Enhance Super Top-up One
Medicare Protect vs Joy Tomorrow
Medicare Protect vs Activ One VIP+
Medicare Protect vs Reassure 3.0 Select
Medicare Protect vs Red Carpet Senior Citizens
Medicare Protect vs Medicare Premier
Medicare Protect vs Family Health Optima
Medicare Protect vs Health Companion Variant 2022
Medicare Protect vs Health Companion Variant 3
Medicare Protect vs Plus Youth
Medicare Protect vs Assure
Medicare Protect vs Health Premia Gold
Medicare Protect vs Health Premia Platinum
Medicare Protect vs Cancer Care Platinum
Medicare Protect vs Optima Lite
Medicare Protect vs ProHealth Prime Protect
Medicare Protect vs Comprehensive
Medicare Protect vs HeartBeat Enhanced
Medicare Protect vs Reassure
Medicare Protect vs Supreme Senior Premium
Medicare Protect vs Health Recharge Super Top Up Plan
Medicare Protect vs Reassure 3.0
Medicare Protect vs myHealth Suraksha Platinum
Medicare Protect vs Supreme Value for Money
Medicare Protect vs Supreme Senior Super
Medicare Protect vs Supreme Enhance
Medicare Protect vs Reassure 2.0 Gold
Medicare Protect vs Medicare
Medicare Protect vs Ultimate (Direct)
Medicare Protect vs Young Star
Medicare Protect vs Sarvah Param
Medicare Protect vs Optima Insurance
Medicare Protect vs Smart Super Health Assure
Medicare Protect vs Reassure 3.0 Black
Medicare Protect vs Health Guard Platinum
Medicare Protect vs Health Guard Gold
Medicare Protect vs Elevate (Direct)
Medicare Protect vs Extra Care Plus Super Top-up
Medicare Protect vs Health Care Supreme Smart
Medicare Protect vs Smart Health Pro
Medicare Protect vs Medi Classic Gold
Medicare Protect vs Optima Super Secure
Medicare Protect vs Special Care
Medicare Protect vs Medicare LITE
Medicare Protect vs Health Shield 360
Medicare Protect vs SecureHealth
Medicare Protect vs Supreme (Direct)
Medicare Protect vs Plus
Medicare Protect vs Mediclaim Insurance Policy
Medicare Protect vs Medicare Select
Medicare Protect vs Health Gain
Medicare Protect vs myHealth Koti Suraksha
Medicare Protect vs Senior
Medicare Protect vs myHealth Suraksha Silver
Medicare Protect vs Cardiac Care Platinum
Medicare Protect vs Royal Sundaram Lifeline Elite
Medicare Protect vs Super Surplus Gold
Medicare Protect vs Supreme Enhance One
Medicare Protect vs Supreme Enhance Two
Medicare Protect vs HeartBeat Platinum
Medicare Protect vs HeartBeat Gold
Medicare Protect vs Health SuperCharge
Medicare Protect vs Aspire Titanium+
Medicare Protect vs iHealth Plus
Medicare Protect vs ProHealth Prime Advantage
Medicare Protect vs Active Fit Preferred
Medicare Protect vs Reassure 3.0 Classic
Medicare Protect vs Senior Health Advantage
Medicare Protect vs Health Wallet
Medicare Protect vs Elevate
Medicare Protect vs Heart
Medicare Protect vs LifeTime Health
Medicare Protect vs Reassure 2.0 Titanium+
Medicare Protect vs ProHealth Prime Active
Medicare Protect vs ProHealth Prime Senior Elite
Medicare Protect vs Advanced Top Up
Medicare Protect vs Multiplier Health
Medicare Protect vs Diabetes Safe Plan A
Medicare Protect vs Reassure 2.0 Bronze+
Medicare Protect vs Enhance Super Top-up
Medicare Protect vs Young Star Silver
Medicare Protect vs Star Women Care Policy
Medicare Protect vs Joy
Medicare Protect vs Supreme Senior Health AdvantEdge
Medicare Protect vs Family Plus
Medicare Protect vs Criti Shield Plus
Medicare Protect vs Health Care Supreme Ultimo
Medicare Protect vs Health Shield 360 Retail
Medicare Protect vs Super Star
Medicare Protect vs Supreme Super Saver
Medicare Protect vs Senior First Platinum
Medicare Protect vs Optima Secure Global
Medicare Protect vs NextGen
Medicare Protect vs Health Insurance Platinum
Medicare Protect vs Energy Silver With Copay
Health Companion Variant 3 vs Optima Secure
Health Companion Variant 3 vs Super Mediclaim
Health Companion Variant 3 vs Health Recharge
Health Companion Variant 3 vs Cancer Cover Activ Cancer Secure Plan
Health Companion Variant 3 vs Optima Secure Plus
Health Companion Variant 3 vs Women Care
Health Companion Variant 3 vs Aspire Diamond+
Health Companion Variant 3 vs Activate Booster Plan A
Health Companion Variant 3 vs Active Care Premier
Health Companion Variant 3 vs ProHealth Accumulate
Health Companion Variant 3 vs Health Super Saver Standard
Health Companion Variant 3 vs Supreme Shine
Health Companion Variant 3 vs Optima Secure Global Plus
Health Companion Variant 3 vs Health Cardiac Care Silver & Gold Plan
Health Companion Variant 3 vs myHealth Suraksha Gold
Health Companion Variant 3 vs LifeTime Health Global
Health Companion Variant 3 vs Active Fit Plus
Health Companion Variant 3 vs OneHealth Premium
Health Companion Variant 3 vs Activ Health Platinum Essential
Health Companion Variant 3 vs Medicare Plus
Health Companion Variant 3 vs Medicare Senior
Health Companion Variant 3 vs Enhance Super Top-up Two
Health Companion Variant 3 vs Medicare Protect
Health Companion Variant 3 vs Activ One SAVR
Health Companion Variant 3 vs Active Assure Diamond
Health Companion Variant 3 vs Activ One VIP
Health Companion Variant 3 vs Health Pulse Classic
Health Companion Variant 3 vs Advantage
Health Companion Variant 3 vs Special Care Gold
Health Companion Variant 3 vs Activ One Max
Health Companion Variant 3 vs Classic
Health Companion Variant 3 vs Activ One Vytl
Health Companion Variant 3 vs Supreme
Health Companion Variant 3 vs Freedom
Health Companion Variant 3 vs Sarvah Pratham
Health Companion Variant 3 vs Joy Today
Health Companion Variant 3 vs Medi Classic
Health Companion Variant 3 vs Activate Booster Plan B
Health Companion Variant 3 vs Aspire Gold+
Health Companion Variant 3 vs Aspire Platinum+
Health Companion Variant 3 vs Plus Complete
Health Companion Variant 3 vs Reassure 2.0 Platinum+
Health Companion Variant 3 vs Elder Care
Health Companion Variant 3 vs Reassure 3.0 Elite
Health Companion Variant 3 vs EquiCover
Health Companion Variant 3 vs Young Star Gold
Health Companion Variant 3 vs Enhance Super Top-up One
Health Companion Variant 3 vs Joy Tomorrow
Health Companion Variant 3 vs Activ One VIP+
Health Companion Variant 3 vs Reassure 3.0 Select
Health Companion Variant 3 vs Red Carpet Senior Citizens
Health Companion Variant 3 vs Medicare Premier
Health Companion Variant 3 vs Family Health Optima
Health Companion Variant 3 vs Health Companion Variant 2022
Health Companion Variant 3 vs Plus Youth
Health Companion Variant 3 vs Assure
Health Companion Variant 3 vs Health Premia Gold
Health Companion Variant 3 vs Health Premia Platinum
Health Companion Variant 3 vs Cancer Care Platinum
Health Companion Variant 3 vs Optima Lite
Health Companion Variant 3 vs ProHealth Prime Protect
Health Companion Variant 3 vs Comprehensive
Health Companion Variant 3 vs HeartBeat Enhanced
Health Companion Variant 3 vs Reassure
Health Companion Variant 3 vs Supreme Senior Premium
Health Companion Variant 3 vs Health Recharge Super Top Up Plan
Health Companion Variant 3 vs Reassure 3.0
Health Companion Variant 3 vs myHealth Suraksha Platinum
Health Companion Variant 3 vs Supreme Value for Money
Health Companion Variant 3 vs Supreme Senior Super
Health Companion Variant 3 vs Supreme Enhance
Health Companion Variant 3 vs Reassure 2.0 Gold
Health Companion Variant 3 vs Medicare
Health Companion Variant 3 vs Ultimate (Direct)
Health Companion Variant 3 vs Young Star
Health Companion Variant 3 vs Sarvah Param
Health Companion Variant 3 vs Optima Insurance
Health Companion Variant 3 vs Smart Super Health Assure
Health Companion Variant 3 vs Reassure 3.0 Black
Health Companion Variant 3 vs Health Guard Platinum
Health Companion Variant 3 vs Health Guard Gold
Health Companion Variant 3 vs Elevate (Direct)
Health Companion Variant 3 vs Extra Care Plus Super Top-up
Health Companion Variant 3 vs Health Care Supreme Smart
Health Companion Variant 3 vs Smart Health Pro
Health Companion Variant 3 vs Medi Classic Gold
Health Companion Variant 3 vs Optima Super Secure
Health Companion Variant 3 vs Special Care
Health Companion Variant 3 vs Medicare LITE
Health Companion Variant 3 vs Health Shield 360
Health Companion Variant 3 vs SecureHealth
Health Companion Variant 3 vs Supreme (Direct)
Health Companion Variant 3 vs Plus
Health Companion Variant 3 vs Mediclaim Insurance Policy
Health Companion Variant 3 vs Medicare Select
Health Companion Variant 3 vs Health Gain
Health Companion Variant 3 vs myHealth Koti Suraksha
Health Companion Variant 3 vs Senior
Health Companion Variant 3 vs myHealth Suraksha Silver
Health Companion Variant 3 vs Cardiac Care Platinum
Health Companion Variant 3 vs Royal Sundaram Lifeline Elite
Health Companion Variant 3 vs Super Surplus Gold
Health Companion Variant 3 vs Supreme Enhance One
Health Companion Variant 3 vs Supreme Enhance Two
Health Companion Variant 3 vs HeartBeat Platinum
Health Companion Variant 3 vs HeartBeat Gold
Health Companion Variant 3 vs Health SuperCharge
Health Companion Variant 3 vs Aspire Titanium+
Health Companion Variant 3 vs iHealth Plus
Health Companion Variant 3 vs ProHealth Prime Advantage
Health Companion Variant 3 vs Active Fit Preferred
Health Companion Variant 3 vs Reassure 3.0 Classic
Health Companion Variant 3 vs Senior Health Advantage
Health Companion Variant 3 vs Health Wallet
Health Companion Variant 3 vs Elevate
Health Companion Variant 3 vs Heart
Health Companion Variant 3 vs LifeTime Health
Health Companion Variant 3 vs Reassure 2.0 Titanium+
Health Companion Variant 3 vs ProHealth Prime Active
Health Companion Variant 3 vs ProHealth Prime Senior Elite
Health Companion Variant 3 vs Advanced Top Up
Health Companion Variant 3 vs Multiplier Health
Health Companion Variant 3 vs Diabetes Safe Plan A
Health Companion Variant 3 vs Reassure 2.0 Bronze+
Health Companion Variant 3 vs Enhance Super Top-up
Health Companion Variant 3 vs Young Star Silver
Health Companion Variant 3 vs Star Women Care Policy
Health Companion Variant 3 vs Joy
Health Companion Variant 3 vs Supreme Senior Health AdvantEdge
Health Companion Variant 3 vs Family Plus
Health Companion Variant 3 vs Criti Shield Plus
Health Companion Variant 3 vs Health Care Supreme Ultimo
Health Companion Variant 3 vs Health Shield 360 Retail
Health Companion Variant 3 vs Super Star
Health Companion Variant 3 vs Supreme Super Saver
Health Companion Variant 3 vs Senior First Platinum
Health Companion Variant 3 vs Optima Secure Global
Health Companion Variant 3 vs NextGen
Health Companion Variant 3 vs Health Insurance Platinum
Health Companion Variant 3 vs Energy Silver With Copay
Oneassure
Health Insurance
Compare Health Insurance Plans
Medicare Protect Vs Health Companion Variant 3
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

