Niva Bupa Health Companion Variant 2022
Niva Bupa
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Brochure
Explore more features
Our Verdict
The Niva Bupa Health Companion Plan offers flexible coverage with benefits like no room rent limits, maternity cover, and worldwide emergency coverage. Ideal for individuals and families seeking comprehensive health protection and peace of mind.
About the Plan
The Niva Bupa Health Companion Plan is a comprehensive health insurance solution designed to cater to individuals and families, offering flexible coverage options ranging from ₹2 lakh to ₹1 crore. It covers a wide spectrum of healthcare needs, including inpatient hospitalization, pre- and post-hospitalization expenses, and daycare treatments. The plan also provides benefits like cashless treatment across a vast network of hospitals, annual health check-ups, and coverage for modern treatments and AYUSH therapies. With additional features like no-claim bonuses, maternity benefits, and optional riders for enhanced protection, the Health Companion Plan ensures financial security and access to quality healthcare. Its user-friendly approach and robust coverage make it a dependable choice for safeguarding your health.
About the Plan
Features of the Product
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Cashless Healthcare Providers
11000+ Healthcare Providers
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Maternity Cover
Not Available
Disease-wise sublimits
No
PED Waiting Period
3 years
Outpatient Department Cover (OPD Expense)
OPD expense is not included
ICU Charges
No restriction on ICU room rent
Coverage Options
Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr
Cumulative Bonus
Your sum insured increases by 20% for every claim-free year, up to 100%
Restoration Benefit
Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days.
Deductible Option
Available
Post-Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
Claim Settlement Ratio
90.10%
Co-payment
Not Available
Room Rent
The shared room category is covered in your base policy.
If you choose an upgraded room, 20% co-payment is applicable.
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
Specific Waiting Period
2 years
Exclusions
Pre-existing diseases are covered after a waiting period of 48 months from the policy start date.
Any illness diagnosed or treatment required within the first 30 days of policy commencement, except accidental injuries.
Cosmetic or plastic surgery unless required due to accidents, burns, or medically necessary reconstruction.
Treatment related to alcohol, drug abuse, or substance misuse.
Expenses for infertility treatments, IVF procedures, or assisted reproductive technology.
Non-prescribed vitamins, dietary supplements, and hormonal therapy unless medically necessary.
Congenital diseases, external birth defects, or genetic disorders.
Dental treatments and procedures unless required due to accidental injury.
War, terrorism, nuclear radiation, or biological weapon-related injuries or illnesses.
Treatment received outside India unless covered by an add-on or special policy provision.
Exclusions
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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
Health Companion Variant 2022 vs Heart
Health Companion Variant 2022 vs Activ One Max
Health Companion Variant 2022 vs Medicare Plus
Health Companion Variant 2022 vs Vytl
Health Companion Variant 2022 vs Enhance 2
Health Companion Variant 2022 vs Medicare Premier
Health Companion Variant 2022 vs Enhance 1
Health Companion Variant 2022 vs Supreme
Health Companion Variant 2022 vs Platinum+
Health Companion Variant 2022 vs Titanium+
Health Companion Variant 2022 vs Bronze+
Health Companion Variant 2022 vs Senior First Platinum
Health Companion Variant 2022 vs Elevate
Health Companion Variant 2022 vs Today
Health Companion Variant 2022 vs Tomorrow
Health Companion Variant 2022 vs Young Star Gold
Health Companion Variant 2022 vs Activate Booster Plan A
Health Companion Variant 2022 vs Senior First Gold Plan
Health Companion Variant 2022 vs Star Women Care Policy
Health Companion Variant 2022 vs VIP
Health Companion Variant 2022 vs Advantage
Health Companion Variant 2022 vs Health Recharge Super Top Up Plan
Health Companion Variant 2022 vs Heart Beat Gold
Health Companion Variant 2022 vs Young Star Silver
Health Companion Variant 2022 vs Assure
Health Companion Variant 2022 vs Activate Booster Plan B
Health Companion Variant 2022 vs Energy Silver
Health Companion Variant 2022 vs Optima Secure
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
