Insurance Plans Comparison
Niva Bupa Health Assurance vs Niva Bupa Health Companion Variant 1
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Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
VS
Health Companion Variant 1
Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.
What Makes It Special:
Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.
Best For:
Buyers who do not need maternity or OPD cover
Buyers who need hospitalisation, day care and AYUSH cover
Buyers who want optional daily hospital cash
Buyers who want a no-claim bonus that builds to 100%
Families who want a floater with a refill benefit
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Quick Decision Guide
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Buyers who do not need maternity or OPD cover
Hospital cash requires at least 48 hours in hospital.
Maternity is not covered, so plan separately if needed.
The refill applies only once a policy year.
The 36-month PED wait applies, so buy early if you have an existing condition.
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Detailed Features Comparison
Compare the key features of different health insurance plans
Health Assurance Health Insurance Plan VS VS |
Health Companion Variant 1 Health Insurance Plan |
| Room Rent |
|---|
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
VS VS |
Health Companion Variant 1
|
| Advanced Treatments |
|---|
Health Assurance Modern Treatments covered up to Sum Insured |
VS VS |
Health Companion Variant 1
|
| ICU Charges |
|---|
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
VS VS |
Health Companion Variant 1 Covered up to the sum insured as part of in-patient care |
| Co-payment |
|---|
Health Assurance Optional co-payment available |
VS VS |
Health Companion Variant 1 Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims. |
| Disease-wise sublimits |
|---|
Health Assurance Information Unavailable |
VS VS |
Health Companion Variant 1 No disease sublimit schedule in the prospectus |
| Cashless Healthcare Providers |
|---|
Health Assurance 10,000+ Network Hospitals |
VS VS |
Health Companion Variant 1 10,000+ network hospitals. |
| Daycare Treatment |
|---|
Health Assurance Covered |
VS VS |
Health Companion Variant 1 Covered under the policy. |
| Cumulative Bonus |
|---|
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
VS VS |
Health Companion Variant 1 20% of the expiring base sum insured per claim-free year, up to 100% |
| AYUSH Treatment |
|---|
Health Assurance Covered up to Sum Insured |
VS VS |
Health Companion Variant 1 Covered under this policy |
| Consumable Cover |
|---|
Health Assurance Please refer to the policy wording. |
VS VS |
Health Companion Variant 1 Prescribed medicines and consumables during treatment are covered. Annexure II items are not. |
| Initial Waiting Period |
|---|
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
VS VS |
Health Companion Variant 1 30 days, except accidents |
| Specific Waiting Period |
|---|
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
VS VS |
Health Companion Variant 1 24 months for listed conditions |
| PED Waiting Period |
|---|
Health Assurance 36 months for CritiCare and HospiCash |
VS VS |
Health Companion Variant 1 36 months |
| Modern Treatment |
|---|
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
VS VS |
Health Companion Variant 1 Covered up to the sum insured |
| Annual Health Checkup |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Health Companion Variant 1 Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only. |
| Pre-Hospitalisation |
|---|
Health Assurance Information Unavailable |
VS VS |
Health Companion Variant 1 60 days before admission |
| Post-Hospitalisation |
|---|
Health Assurance Kindly refer to policy wording. |
VS VS |
Health Companion Variant 1 180 days after discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Assurance Not covered. |
VS VS |
Health Companion Variant 1 Not covered |
| Deductible Option |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Health Companion Variant 1 Annual aggregate deductible from ₹10,000 to ₹10 lakh |
| Coverage Options |
|---|
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
VS VS |
Health Companion Variant 1 Individual or floater, with optional hospital cash, personal accident and deductible |
| Claim Settlement Ratio |
|---|
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
VS VS |
Health Companion Variant 1 Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
| Maternity Cover |
|---|
Health Assurance Information Unavailable |
VS VS |
Health Companion Variant 1 Not covered |
Insurance Plans Comparison
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