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

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.9

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

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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 Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

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.

Cashless Healthcare Providers

10,000+ network hospitals.

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.

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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.
Treatment received outside India unless covered under specific policy terms.
Unproven, experimental, or non-standard treatments not recognized by medical authorities.
HIV/AIDS and related conditions unless specifically covered under the policy.

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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...

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.