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.
Network Hospitals
Highlights of Niva Bupa Health Companion Plan
Below mentioned are the highlights of the Niva Bupa Health Companion Insurance Policy:
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Entry Age
Adult: 18 Years to No limit Child: 91 Days to 25 Years
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Plan Variant
Health Companion Individual, Health Companion Family and Health Companion Family First
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Policy Type
Individual and Family Floater
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Sum Insured
2L, 3L, 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L, 1 Cr
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Policy Term
1, 2 Years
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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
Covid-19 Treatment
Covered
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.
