Niva Bupa Health Companion Variant 3
Niva Bupa
6.9/10
OneAssure Rating
6.9/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The Niva Bupa Health Companion Variant 3 plan offers coverage for room rent, including ICU charges, without any sub-limits. Policyholders can choose any hospital room.
Advanced Treatments
The Niva Bupa Health Companion Variant 3 plan covers advanced treatments, including robotic surgeries, stem cell therapy (for specified conditions), etc.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
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.
War, nuclear radiation, and biological weapon-related health conditions.
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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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.
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.
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