How does the waiting period affect my coverage?

A 30-day waiting period applies, except for accidents. Pre-existing conditions are covered after 48 months, and specific illnesses after 24 months.

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

A No Claim Bonus increases your sum insured for each claim-free year, offering extra coverage without additional premiums for future expenses.

Does the Niva Bupa Health Companion Variant 1 plan cover treatment abroad?

This plan covers treatments within India. International coverage is not included, but optional add-ons may provide limited overseas emergency benefits.

OneAssure

Health Insurance

Niva Bupa

Health Companion Variant 1

Niva Bupa Health Companion Variant 1

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

7.6

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.6

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final 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

About Niva Bupa Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

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.

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.

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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.

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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...