How does the waiting period affect coverage?

A 30-day waiting period applies, with pre-existing diseases covered after 48 months and specific conditions after 24 months, ensuring policy sustainability and effective risk management.

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

A No Claim Bonus increases your sum insured yearly, rewarding claim-free years with extra coverage at no additional cost, enhancing financial security.

Does the Niva Bupa Health Companion Variant 2022 cover treatment abroad?

Standard coverage applies within India, but optional add-ons may offer limited international medical emergency coverage. Consider global insurance for comprehensive protection.

Does Niva Bupa Health Companion Variant 2022 cover pre-existing diseases?

Yes, pre-existing diseases are covered after a waiting period of 36 months of continuous coverage from the first policy start date for Variant 2 and Variant 3.

. How does the unlimited restoration benefit react if my sum insured pool is exhausted during a single policy year?

The policy incorporates an automatic restoration feature that reinstates 100% of your base sum insured unlimited times within a single policy year, activating seamlessly after your second processed claim to support both related and completely unrelated subsequent illnesses.

How does the cumulative bonus benefit reward policyholders who complete continuous claim-free coverage periods?

The plan rewards policyholders by increasing the base sum insured by 20% at the end of every claim-free year, compounding continuously across consecutive renewal terms up to a maximum loyalty cap of 100% of the original insurance amount.

OneAssure

Health Insurance

Niva Bupa

Health Companion Variant 2022

Niva Bupa Health Companion Variant 2022

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

0

Customer Rating

Policy Brochure

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

The Niva Bupa Health Companion Plan offers flexible coverage with benefits like no room rent limits, maternity cover, and worldwide emergency coverage. Ideal for individuals and families seeking comprehensive health protection and peace of mind.

About

About Niva Bupa Health Insurance

The Niva Bupa Health Companion Plan is a comprehensive health insurance solution designed to cater to individuals and families, offering flexible coverage options ranging from ₹2 lakh to ₹1 crore. It covers a wide spectrum of healthcare needs, including inpatient hospitalization, pre- and post-hospitalization expenses, and daycare treatments. The plan also provides benefits like cashless treatment across a vast network of hospitals, annual health check-ups, and coverage for modern treatments and AYUSH therapies. With additional features like no-claim bonuses, maternity benefits, and optional riders for enhanced protection, the Health Companion Plan ensures financial security and access to quality healthcare. Its...

The Niva Bupa Health Companion Plan is a comprehensive health insurance solution designed to cater to individuals and families, offering flexible coverage options ranging from ₹2 lakh to ₹1 crore. It covers a wide spectrum of healthcare needs, including inpatient hospitalization, pre- and post-hospitalization expenses, and daycare treatments. The plan also provides benefits like cashless treatment across a vast network of hospitals, annual health check-ups, and coverage for modern treatments and AYUSH therapies. With additional...

Variant 2022 Ratings

Variant 2022

Insurer Rating

5.28

out of 10

Product Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Cashless Healthcare Providers

11000+ Healthcare Providers

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

Restoration Benefit

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Cumulative Bonus

Your sum insured increases by 20% for every claim-free year, up to 100%

Consumable Cover

No. However, available as an add-on

Initial Waiting Period

30 days.

PED Waiting Period

3 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OPD expense is not included

Deductible Option

Available

Coverage Options

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

Claim Settlement Ratio

92.02%

Maternity Cover

Not Available

Co-payment

Not Available

Room Rent

The shared room category is covered in your base policy.
If you choose an upgraded room, 20% co-payment is applicable.

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Specific Waiting Period

2 years

Cashless Healthcare Providers

11000+ Healthcare Providers

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

ICU Charges

No restriction on ICU room rent

Exclusions

Pre-existing diseases are covered after a waiting period of 48 months from the policy start date.
Any illness diagnosed or treatment required within the first 30 days of policy commencement, except accidental injuries.
Cosmetic or plastic surgery unless required due to accidents, burns, or medically necessary reconstruction.
Treatment related to alcohol, drug abuse, or substance misuse.
Expenses for infertility treatments, IVF procedures, or assisted reproductive technology.

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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...

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...