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

About Niva Health Companion

A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.

Niva Bupa Health Companion (Variant 2022) is a health insurance plan that covers hospitalization expenses along with related medical costs like pre and post-treatment, daycare procedures, and modern treatments. It offers sum insured options ranging from ₹3 lakh to ₹1 crore and can be taken for individuals or families. The plan does not have strict room rent limits in most cases and also includes benefits like refill of sum insured and a no-claim bonus that increases your coverage over time.

It also covers AYUSH treatments, organ donor expenses, and ambulance charges, making it suitable for handling both planned and emergency medical situations.

This is an affordable health insurance plan designed to secure your health without any hassle. You can choose any variant as per your healthcare needs. Niva Bupa Health Companion is not limited to monetary support but also provides the required mental support to the insured.

You can cover up to 19 family members under the variant Family First, covering the medical expenses of all generations of your family.

The relations that can be covered are:

SelfGrandfatherSister-in-law
SpouseGrandmotherBrother-in-law
SonGrandsonSon-in-law
DaughterGranddaughterDaughter-in-law
SisterBrotherFather-in-law
FatherNephewMother-in-law
MotherNiece

How does this Plan Stand Out?

  • Comprehensive Plan

    It is a comprehensive plan that can cover up to 19 members of the family. You can get all the expenses covered in case there is a medical emergency.

  • Saving Options

    With the plan, you will get a lot of saving options. You will get tax benefits, family discounts, tenure discounts, and much more.

  • Animal Bite Vaccination

    One of the most unique benefits, that you will get with the plan. Now, you do not need to worry about the costly vaccinations that are required to prevent infections due to animal bites.

  • Hospital Cash

    You will get the freedom to manage miscellaneous expenses that might be incurred during the hospitalization. Pay with the hospital cash benefit that the company will give you daily.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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 Companion Optional Covers

Health Companion offers a myriad of optional riders to cover your specific requirements:

  • Daily Hospital Cash

    The plan allows you to opt for a daily cash allowance from Rs.1,000 to Rs.4,000 per day, after 48 hours of hospitalization. This optional cover can be availed for a maximum of 30 days of being in the hospital.

  • Safeguard Rider

    This rider benefits the policyholder in certain ways such as:
    Claim safeguard, where the policyholder gets coverage for the non-payable items up to sum insured.
    No Claim Bonus Safeguard, where the policyholder can avail NCB Benefit if the claim requested in a policy year is less than 50K.
    Sum insured safeguard where there is an annual increase in coverage based on the inflation rate.

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • In-patient hospitalization (room, ICU, doctor fees, medicines)
  • Pre (60 days) and post (180 days) hospitalization expenses
  • Daycare treatments (no 24-hour stay required)
  • Modern treatments (like advanced surgeries)
  • AYUSH treatments at recognized centers
  • Road and air ambulance charges
  • Organ donor expenses during transplant
  • Refill benefit if sum insured gets exhausted

Exclusions

  • Niva Bupa Health Companion has a set of specified treatments, procedures, and diseases that are not covered by the plan. Below are some of the exclusions:
  • Permanent diseases or health conditions not included under this plan are:
  • Suicide
  • Sexually Transmitted Disease
  • Use of alcohol or drugs
  • Congenital disease
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Infertility and in vitro fertilization.
  • Certain diseases and treatments are covered under this plan after a certain time period:
  • Listed ailments after 24 Months
  • Pre-existing diseases after 36 Months

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

Other features & benefits

  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Niva Bupa Health Companion: FAQs

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

Explore Niva Bupa Health Insurance

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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: 15 Apr 2024 · Originally published: 27 Sep 2024

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