Niva Bupa Health Companion

Niva Bupa Health Companion

  • Individual and Family Floater
  • Unlimited Automatic Restoration
  • Coverage for Pre-existing Conditions

Niva Bupa Health Companion Plan

Niva Bupa Health Companion Plan is a comprehensive health insurance plan offered by Niva Bupa Health Insurance, a leading health insurance company in India. The plan is designed to cater to the healthcare needs of individuals and families living in India. Niva Bupa Health Companion plan comes in four different variants: Variant 1, Variant 2, Variant 3, and Health Companion Family First Plan variant. You can choose one per your healthcare needs. Moreover, in the family first plan variant, you can cover upto 19 family relationships in a single health insurance plan. The relations that can be covered under this Niva Bupa Health Companion Family First plan variant are:

Self Spouse Son Daughter
Grandfather Grandmother Grandson Granddaughter
Sister-in-law Brother-in-law Son-in-law Daughter-in-law
Father Mother Brother Sister
Father-in-law Mother-in-law Nephew Niece

The Niva Bupa Health Companion Plan provides various benefits, including coverage for pre-existing conditions, maternity expenses, and daycare procedures. It also offers access to a network of hospitals and clinics across India and a range of value-added services such as health checkups and teleconsultations.

Highlights of Niva Bupa Health Companion Plan

Below mentioned are the highlights of the Niva Bupa Health Companion Insurance Policy:

  • Entry Age

    Adult: 18 Years to No limit Child: 91 Days to 25 Years

  • Plan Variant

    Health Companion Individual, Health Companion Family and Health Companion Family First

  • Policy Type

    Individual and Family Floater

  • Sum Insured

    2L, 3L, 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L, 1 Cr

  • Policy Term

    1, 2 Years

  • Waiting Period for Pre-Existing Disease

    Upto 4 Years

Niva Bupa Health Companion Plan Coverage Benefits

Niva Bupa Health Companion comes in four different plan variants and you can customize your Niva Bupa Health Companion Plan as per your healthcare needs. Below we have mentioned the coverage benefits offered under each Niva Bupa Companion plan variant.

  • Variant 1 (Individual/Family Floater)
  • Variant 2 (Individual/Family Floater)
  • Variant 3 (Individual/Family Floater)
  • Family First Variant
  • 2L, 3L, 4L

Room Rent

Up to Sum Insured

ICU Charges

Up to Sum Insured

Pre-Hospitalization

Covered up to Sum Insured for 30 Days

Post-Hospitalization

Covered up to Sum Insured for 60 Days

Domiciliary Hospitalization

Covered up to Sum Insured

Daycare Treatments

Covered up to Sum Insured

No Claim Bonus

20% of SI, Max up to 100% of SI

Automatic Restoration

Unlimited

Organ Donor

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Modern Treatment

Covered up to INR 1 Lakh

Ambulance Cover

Covered up to INR 3K

Health Checkup

Once in two year

Vaccination

Up to INR 2.5K

Hospital Daily Cash

INR 1K/day

Coverage after Waiting Period

Given below are the coverage benefits offered under the Niva Bupa Health Companion policy after a certain waiting period:

Coverage Benefits Waiting Period
Initial Waiting Period 30 Days
Specific Diseases 24 Months
Pre-Existing Diseases 48 Months for Variant 1, 36 Months for Variant 2, Variant 3, Family First Varian

Niva Bupa Reassure Health Insurance Plan Exclusion

Below mentioned is the list of diseases and conditions that are not covered under Niva Bupa Health Companion Plan:

  • Investigation & Evaluation
  • Ancillary hospital charges
  • Unproven Treatments
  • Treatment received outside India
  • Unrecognized Physician or Hospital
  • Breach of the law
  • Non-medical expenses
  • Obesity and weight control programs
  • Puberty and menopause-related disorders
  • Conflict & Disaster
  • Robotic-assisted surgery
  • Excluded Providers
  • Hazardous or Adventure sports
  • Change-of-Gender treatments
  • Mental and psychiatric conditions
  • Hormone Replacement Therapy
  • Convalescence & rehabilitation
  • Artificial life maintenance
  • Cosmetic or plastic Surgery
  • Sleep disorders
  • Treatment for alcoholism
  • Drug or substance abuse or any addictive condition
  • Dental/oral treatment
  • Sterility and Infertility
  • Maternity Expenses
  • Circumcision
  • External Congenital Anomaly
  • Sexually transmitted Infections & diseases(STIs & STDs)
  • HIV / AIDS
  • Intentional self-inflicted Injury or attempted suicide

Niva Bupa Health Companion Plan Additional Benefits

Niva Bupa Health Companion plan offers various add-on riders to enhance the coverage of the plan. Policyholders can opt for any of the below-mentioned add-on riders as per their needs and requirements. Below are some additional riders offered under the Niva Bupa Health Companion Plan:

  • Hospital Cash: Policyholders will get a daily cash allowance of up to 30 days for their miscellaneous expenses. You will get daily cash benefits in below mentioned ways:
    Sum Insured amount Variant 1 Variant 2 Variant 3 Family First
    Hospital Cash Amount INR 1K/Day INR 2K/Day INR 4K/Day INR 1K or INR 2K/Day
  • Saferider Benefits: This add-on rider benefits in certain ways such as:

    1. Claim safeguard: Policyholders will get coverage for the non-payable items up to sum insured amount.

    2. No Claim Bonus Safeguard: Policyholders will still benefit from a No Claim Bonus (NCB) if the claim requested in a policy year is less than INR 50K.

    3. Sum insured safeguard: Policyholders will get the increase in the sum insured amount as per the inflation rate.

Explore More About Niva Bupa Health Companion Plan

Check the below section to learn more about the Niva Bupa health insurance buying process, Niva bupa health insurance claim settlement process, Niva bupa health insurance renewal process.

Disclaimer:

The details, facts, or figures given here are intended solely for the reader's informational purposes and should not be relied upon for personal, medical, legal, or financial decisions. Please visit the insurer's website for the latest updates. We do not endorse any particular insurance company or insurance product provided by any insurer.