How does the waiting period affect my coverage?

A 30-day waiting period applies for general claims, 48 months for pre-existing conditions, and 24 months for specific illnesses.

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

A No Claim Bonus increases your sum insured annually, providing extra coverage without additional premiums, rewarding you for staying healthy.

Does the Niva Bupa Health Companion Variant 3 plan cover treatment abroad?

The plan covers treatments within India only. Optional add-ons may provide limited global coverage; check with the insurer for details.

OneAssure

Health Insurance

Niva Bupa

Health Companion Variant 3

Niva Bupa Health Companion Variant 3

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

6.9

Customer Rating

Policy Brochure

Get a Quote

92.02%

Claim Settlement Ratio

10000+

Network Hospitals

6.9

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Niva Bupa Health Companion Variant 3

Final Verdict

Niva Bupa Health Companion Variant 3, featuring high sum insured options and advanced add-ons like 'Safeguard,' is ideal for affluent families seeking premium, inflation-protected coverage, despite potentially higher deductibles.

About

About Niva Bupa Health Companion Variant 3

Niva Bupa Health Companion Variant 3 is a comprehensive health insurance plan offering coverage from ₹7.5 lakh to ₹1 crore. It includes in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, domiciliary hospitalization, and organ donor expenses. The plan provides unlimited sum insured restoration, No Claim Bonus, and annual health check-ups. Advanced treatments like robotic surgeries are covered, along with AYUSH treatments. With cashless hospitalization at network hospitals and flexible policy options, it ensures financial security against medical emergencies for individuals and families.

Niva Bupa Health Companion Variant 3 is a comprehensive health insurance plan offering coverage from ₹7.5 lakh to ₹1 crore. It includes in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, domiciliary hospitalization, and organ donor expenses. The plan provides unlimited sum insured restoration, No Claim Bonus, and annual health check-ups. Advanced treatments like robotic surgeries are covered, along with AYUSH treatments. With cashless hospitalization at network hospitals and flexible policy options, it ensures financial security...

Variant 3 Ratings

Ratings: Niva Bupa Variant 3

Insurer Rating

7.1

out of 10

Insurance 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

Yes

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 Health Companion Variant 3

Advanced Treatments

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Niva Bupa Health Companion Variant 3 comes with no mandatory co-payment, ensuring full coverage for eligible medical expenses without requiring policyholders to share costs.

Cashless Healthcare Providers

10,000+ network hospitals.

Waiting Period

Includes a 30-day initial waiting period for general illnesses, except for accidental injuries. Pre-existing diseases are covered after 48 months, while specific treatments and conditions have a 24-month waiting period.

Room Rent

Niva Bupa Health Companion Variant 3 covers room rent and ICU charges without sub-limits, allowing policyholders to choose any hospital room or ICU facility within the sum insured.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

Advanced Treatments

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Niva Bupa Health Companion Variant 3 comes with no mandatory co-payment, ensuring full coverage for eligible medical expenses without requiring policyholders to share costs.

Waiting Period

Includes a 30-day initial waiting period for general illnesses, except for accidental injuries. Pre-existing diseases are covered after 48 months, while specific treatments and conditions have a 24-month waiting period.

Exclusions

Pre-existing diseases are not covered until the completion of the waiting period.
Any illness contracted within the first 30 days of policy inception, except accidents.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Treatment for alcohol or drug abuse, self-inflicted injuries, and suicide attempts.
Injuries or illnesses due to participation in hazardous activities or adventure sports.

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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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.