Niva Bupa Health Companion Plan: Premium Details, Policy Benefits and Review
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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Health Companion

This comprehensive health plan is designed to keep you and your family ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

This comprehensive health plan is designed to keep you and your family safe in case of any unexpected medical scenarios with features such as health check-ups from day one, daycare procedures, no room rent capping, and more.

Why Do We Recommend This?
  • 20% increase in base sum insured every claim-free year.
  • Covers air ambulance up to INR 2.5 Lakhs per hospitalization.
  • No capping on room rent.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
No Bar
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹12 L, ₹15 L, ₹20 L, ₹30 L, ₹50 L
Waiting period
30 days
Renewability
NA
Policy term
1 | 2 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of up to 15%
  • Annual Aggregate Deductible
  • Home Care Treatments

Cons

  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 years
  • No Alcoholism Cover

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Niva Bupa Health Companion Plan Review

Niva Bupa Health Companion Plan Review

we explore the Niva Bupa Health Companion plan, a comprehensive health insurance policy designed to meet the diverse needs of individuals and families.

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 18 Years
  • Max Entry Age: - No Age Limit
  • SI: - 3 L to 1 Cr
  • Waiting Period: - 30 Days

Frequently Asked Questions

The 10 most-asked questions about Niva Health Companion, answered.

Niva Bupa Companion-Family First Health Insurance is the first insurance to cover up to 19 relationships, each with its own Sum Insured and a floating Sum Insured that can be used by anyone in the family.
The Health Companion policy comes with annual aggregate deductibles ranging from Rs. 1 lakh to Rs. 10 lakh.
Depending on the age of the person to be covered and the sum insured chosen, a medical examination may be required when you sign up for a new health insurance policy.
Yes, one can avail of Tax Benefits under Section 80D of the Income Tax Act 1961.
No. Niva Bupa Health Companion does not offer the facility of midterm inclusion. If you want to add a family member, you have to wait till the renewal date.
Niva Bupa Health Companion covers the vaccination expenses for animal Bites.
Yes, the plan covers the Mental Disorder Treatment after the waiting period of 3 years.
Yes, a discount of 12.5% is applicable if the policyholder opts for a 2 years policy term.
Niva Bupa Health Companion covers the below mentioned Modern Treatments: Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy- Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchial Thermoplasty Vaporization of the prostate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
The policy covers the defined relations of Husband, Wife & children(4).

Conclusion

Lifetime

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 27 Sep 2024

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