How does the waiting period affect my coverage?

A 30-day general waiting period applies, while pre-existing conditions are covered after 48 months. Some illnesses may require 24 months.

What if I don’t use my health insurance benefits for the entire year?

You receive a No Claim Bonus, increasing your sum insured each claim-free year, enhancing coverage without additional premiums.

Does the Niva Bupa Health Companion Variant 2 plan cover treatment abroad?

Standard coverage is within India, but optional add-ons may provide limited international medical emergency coverage.

OneAssure

Health Insurance

Niva Bupa

Health Companion Variant 2

Niva Bupa Health Companion Variant 2

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.6

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.6

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

Niva Bupa Health Companion Variant 2, with its unlimited recharge and robust add-ons, suits risk-averse individuals and families seeking comprehensive coverage. However, premium costs may be higher.

About

About Niva Bupa Health Insurance

Niva Bupa Health Companion Variant 2 is a comprehensive health insurance plan offering sum insured options from ₹5 lakh to ₹15 lakh. It covers hospitalization expenses, pre- and post-hospitalization costs, daycare treatments, domiciliary hospitalization, and alternative treatments under AYUSH. The plan includes a No Claim Bonus, enhancing coverage for every claim-free year. It also offers unlimited automatic recharge of the sum insured, ensuring continuous coverage. Additional benefits include organ donor expenses, ambulance cover, and tax benefits under Section 80D.

Niva Bupa Health Companion Variant 2 is a comprehensive health insurance plan offering sum insured options from ₹5 lakh to ₹15 lakh. It covers hospitalization expenses, pre- and post-hospitalization costs, daycare treatments, domiciliary hospitalization, and alternative treatments under AYUSH. The plan includes a No Claim Bonus, enhancing coverage for every claim-free year. It also offers unlimited automatic recharge of the sum insured, ensuring continuous coverage. Additional benefits include organ donor expenses, ambulance cover, and tax...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal Room: No limit (any single private room covered)
ICU Charges: Fully covered (as per actual hospitalization expenses)

Co-payment

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Waiting Period

Initial Waiting Period: 30 days from the policy start date, except for accidental hospitalizations.
Pre-Existing Diseases (PED) Waiting Period: 48 months from the policy start date before coverage begins.
Specific Illness Waiting Period: 24 months for certain listed conditions like hernia, cataract, and joint replacements.
Maternity Waiting Period: 24 months (if maternity benefits are included in the policy).

Cashless Healthcare Providers

10,000+ network hospitals.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

Advanced Treatments

Robotic Surgery Therapy
Bariatric Surgery
Oral Chemotherapy
Proton Beam Therapy
Deep Brain Stimulation
Implantable Devices

Room Rent

Normal Room: No limit (any single private room covered)
ICU Charges: Fully covered (as per actual hospitalization expenses)

Co-payment

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Waiting Period

Initial Waiting Period: 30 days from the policy start date, except for accidental hospitalizations.
Pre-Existing Diseases (PED) Waiting Period: 48 months from the policy start date before coverage begins.
Specific Illness Waiting Period: 24 months for certain listed conditions like hernia, cataract, and joint replacements.
Maternity Waiting Period: 24 months (if maternity benefits are included in the policy).

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Exclusions

Treatment expenses related to self-inflicted injuries, suicide attempts, or substance abuse.
Cosmetic or aesthetic procedures, unless required due to accidental injury or burns.
Any treatment related to infertility, pregnancy, childbirth, or related complications unless covered under a specific maternity benefit.
Treatment for diseases or conditions arising from participation in hazardous activities, adventure sports, or professional sports.
Expenses related to experimental, unproven, or investigational treatments not approved by medical authorities.
Treatments related to congenital diseases, genetic disorders, or birth defects unless specifically covered.
Any dental, hearing, or vision expenses unless arising from an accident or explicitly covered under the policy.
Hospitalization primarily for rest, rehabilitation, or obesity-related treatments unless covered.

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About the company

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects...

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage...