Niva Bupa Health Companion Variant 1
Niva Bupa
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Niva Bupa Health Companion Variant 1 covers advanced treatments like robotic surgeries, stem cell therapy (for specific conditions), modern cancer treatments, and bariatric surgery. These innovative procedures ensure access to cutting-edge medical care.
Room Rent (Normal & ICU)
Niva Bupa Health Companion Variant 1 covers room rent expenses, including normal and ICU charges, up to the sum insured. It ensures access to quality medical care without additional financial burden during hospitalization.
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Our Verdict
Niva Bupa Health Companion Variant 1 offers affordable coverage with a sum insured from ₹2 lakh to ₹5 lakh. Ideal for individuals and families, it ensures financial security with cashless treatment and tax benefits.
About the Plan
Niva Bupa Health Companion Variant 1 is an affordable health insurance plan offering comprehensive coverage for individuals and families. It provides a sum insured ranging from ₹2 lakh to ₹5 lakh, covering hospitalization expenses, pre- and post-hospitalization costs, and daycare treatments. The plan includes benefits like domiciliary hospitalization, emergency ambulance services, and in-patient care. With lifelong renewability, no claim-based loading, and cashless hospitalization at network hospitals, Health Companion ensures financial security during medical emergencies while offering tax benefits under Section 80D.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
- ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
Advanced Treatments
- Robotic and CyberKnife Surgery.
- Bariatric Surgery.
- Modern Cancer Treatments
- Organ Transplant Coverage
Co-payment
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.
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).
Daycare Treatment
Covered under the policy.
AYUSH Treatment
Covered under this policy
Cashless Healthcare Providers
10,000+ network hospitals.
Exclusions
Treatment costs for injuries or illnesses related to hazardous activities, adventure sports, or self-inflicted injuries.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Treatment for alcohol, drug abuse, or substance-related disorders.
Congenital diseases, genetic disorders, and birth defects unless explicitly covered.
Infertility treatments, assisted reproductive techniques, and pregnancy-related expenses unless covered under maternity benefits.
Non-prescription drugs, dietary supplements, and health tonics.
Injuries or illnesses resulting from war, terrorism, or nuclear exposure.
Treatment for sexually transmitted diseases, HIV/AIDS, or related complications.
Hospitalization solely for evaluation, diagnostics, or health check-ups without active treatment.
Exclusions
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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 strong financial performance and market confidence.
About the Company
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