Niva Bupa Health Companion Variant 2
Niva Bupa
6.6/10
OneAssure Rating
6.6/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Niva Bupa Health Companion Variant 2 offers room rent coverage without any sub-limits, allowing policyholders to choose any hospital room, including ICU charges.
Advanced Treatments
Niva Bupa Health Companion Variant 2 covers advanced treatments such as robotic surgeries, stem cell therapy (when medically necessary), and modern procedures.
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Our Verdict
Niva Bupa Health Companion Variant 2, with its unlimited recharge and robust add-ons, suits risk-averse individuals and families seeking comprehensive coverage. However, premium costs may be higher.
About the Plan
Niva Bupa Health Companion Variant 2 is a comprehensive health insurance plan offering sum insured options from ₹5 lakh to ₹15 lakh. It covers hospitalization expenses, pre- and post-hospitalization costs, daycare treatments, domiciliary hospitalization, and alternative treatments under AYUSH. The plan includes a No Claim Bonus, enhancing coverage for every claim-free year. It also offers unlimited automatic recharge of the sum insured, ensuring continuous coverage. Additional benefits include organ donor expenses, ambulance cover, and tax benefits under Section 80D.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal Room: No limit (any single private room covered)
- ICU Charges: Fully covered (as per actual hospitalization expenses)
Co-payment
No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.
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).
Cashless Healthcare Providers
10,000+ network hospitals.
Daycare Treatment
Covered under the policy.
AYUSH Treatment
Covered under this policy
Advanced Treatments
- Robotic Surgery Therapy
- Bariatric Surgery
- Oral Chemotherapy
- Proton Beam Therapy
- Deep Brain Stimulation
- Implantable Devices
Exclusions
Treatment expenses related to self-inflicted injuries, suicide attempts, or substance abuse.
Cosmetic or aesthetic procedures, unless required due to accidental injury or burns.
Any treatment related to infertility, pregnancy, childbirth, or related complications unless covered under a specific maternity benefit.
Treatment for diseases or conditions arising from participation in hazardous activities, adventure sports, or professional sports.
Expenses related to experimental, unproven, or investigational treatments not approved by medical authorities.
Treatments related to congenital diseases, genetic disorders, or birth defects unless specifically covered.
Any dental, hearing, or vision expenses unless arising from an accident or explicitly covered under the policy.
Hospitalization primarily for rest, rehabilitation, or obesity-related treatments unless covered.
Pre-existing conditions not disclosed at the time of policy purchase, leading to claim rejection.
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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