Niva Bupa Health Companion Variant 1 Vs ICICI Lombard Health Shield Plus Star Comprehensive

Benefits

Star Comprehensive

Niva Bupa Health Companion Variant 1

ICICI Lombard Health Shield Plus

Outpatient Department (OPD) or daycare

Covered including Dental and Ophthalmic cover on OPD basis

All Day Care Treatmentscovered

Day Care Procedure Medical expenses for daycare procedures where such procedures are undertaken by an Insured Person as an In-patient in a Hospital for a continuous period of fewer than 24 hours

Pre-hospitalisation

Covered up to 60 days before admission in the hospital

Covered up to 30 days before admission in the hospital

Covered up to 30 days before admission in the hospital

Post-hospitalisation

Covered up to 90 days after discharge from the hospital

Covered up to 90 days after discharge from the hospital

Covered up to 90 days after discharge from the hospital

Room Rent Cap

No Capping on room rent treatment at Private Single AC Room

Covered for rooms (except suites or above) for the sum insured ₹5 lakhs and above

No capping on room rent

Health Checkup

Cost of Health checkup covered for every claim-free year

Pick tests based on your needs and avail cashless health check-ups

A complimentary health check-up coupon to each insured for every policy year, and two coupons per year for floater policies

No Claims Bonus

Available

Get 20% more sum insured at renewal for each claim-free year; maximum up to 100%

Available

If no claims have been paid in the expiring Policy year and the policy is being renewed without any break-in period, the Insured person will be given a Super no claim bonus viz. 50% increase in the Sum insured for each completed year

Super No claim Bonus available only for the Sum Insured options ₹5 Lakhs and above

Alternate Medicine

AYUSH Treatment: Inpatient Hospitalisation expenses incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or any institute recognised by the government or accredited by the Quality Council of India/National Accreditation Board on Health as an inpatient is payable up to the limits mentioned in the Schedule of Benefits

Cover for Ayurvedic, Unani, Siddha and Homoeopathy treatments

AYUSH treatment expenses for in-patient treatment under Ayurveda, Unani, Siddha and Homoeopathy (AYUSH) treatment only when undergone in a government hospital or any institute recognised by the government or accredited by the Quality Council of India/National Accreditation Board on Health

Emergency Ambulance

Road Ambulance charges for emergency transportation to hospital as per specified limits

The policy covers the cost of an ambulance up to ₹3000/-. These expenses are paid once we have accepted the in-patient claim

Cover available as an optional rider