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Niva Bupa Health Companion Variant 3 vs Niva Bupa Health Recharge

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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

Health Recharge

Super top-up health insurance for additional financial protection against hospitalisation expenses.

What Makes It Special:

Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.

Best For:

  • Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.

  • People looking for optional personal accident or critical illness cover.

  • Buyers who want to supplement an existing base health insurance policy.

  • Families seeking a higher total health cover with a chosen deductible.

  • People who already have employer-provided or individual health insurance and want additional cover.

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.

  • Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.

  • Review the waiting periods and exclusions in the complete policy wording before purchasing.

  • Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.

  • Check whether your existing health insurance cover and the selected deductible work well together.

  • Choose a deductible you can comfortably pay before the plan begins contributing.

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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
Health Recharge
Health Recharge

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

Health Recharge

Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible.

ICU Charges

Health Companion Variant 3

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

VS

Health Recharge

Covered up to sum insured with no specific restrictions.

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

Health Recharge

Not applicable; annual aggregate deductible is the cost-sharing mechanism.

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

Health Recharge

Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K)

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

Health Recharge

10,000+ Niva Bupa empanelled network hospitals.

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

Health Recharge

Not available under Health Recharge plan.

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

Health Recharge

Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L).

Daycare Treatment

Health Companion Variant 3

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

VS

Health Recharge

All eligible day-care treatments covered up to 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

Health Recharge

Yes, medicines, drugs and consumables as prescribed by treating practitioner.

AYUSH Treatment

Health Companion Variant 3

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

VS

Health Recharge

Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI.

Initial Waiting Period

Health Companion Variant 3

30 Days (not applicable to accidents)

VS

Health Recharge

30 days from first policy commencement (no exception for accidents).

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

Health Recharge

24 months for specified diseases and procedures listed in policy.

PED Waiting Period

Health Companion Variant 3

36 Months

VS

Health Recharge

36 months continuous coverage from policy inception.

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

Health Recharge

Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits.

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

Health Recharge

Not listed as base benefit; health assessment available separately.

Pre-Hospitalisation

Health Companion Variant 3

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

VS

Health Recharge

Up to 60 days before hospitalisation when related claim is admissible.

Post-Hospitalisation

Health Companion Variant 3

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

VS

Health Recharge

Up to 90 days after discharge for eligible medical expenses.

Outpatient Department Cover (OPD Expense)

Health Companion Variant 3

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

VS

Health Recharge

Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access.

Deductible Option

Health Companion Variant 3

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

VS

Health Recharge

Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available.

Coverage Options

Health Companion Variant 3

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

VS

Health Recharge

₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L.

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

Health Recharge

80%

Maternity Cover

Health Companion Variant 3

Not covered (Maternity excluded, Code Excl18)

VS

Health Recharge

Excluded under this policy.

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Explore Insurance Category

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

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  • 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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Frequently Asked Questions (FAQs)

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