Niva Bupa Health Companion

Comprehensive Health Protection for You and Your Family

Overview

Niva Bupa Health Companion is a comprehensive health insurance plan designed to protect individuals and families from unexpected medical expenses. The policy offers flexible coverage with various sum insured options and includes a range of benefits such as cashless hospitalisation, no room rent capping, and a refill benefit.

Key Features

No Room Rent Capping

The policy covers all types of hospital accommodation without any room rent capping (except suite or above room category), giving you the freedom to choose your room.

Refill Benefit

If your sum insured and No Claim Bonus are exhausted, the policy automatically refills your sum insured for subsequent claims in the same policy year.

Health Check-ups

You can avail of cashless health check-ups once every two years (for Variant 1) or annually (for Variants 2, 3, and Family First) to help you live a healthier life.

Day Care Treatments

The plan covers all daycare treatments that do not require a 24-hour hospital stay.

Alternative Treatments

Niva Bupa Health Companion covers in-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.

Modern Treatment Coverage

The policy covers new-age treatments like robotic surgeries, bariatric surgery, and other advanced procedures.

Comprehensive Coverage

The plan offers extensive coverage for a wide range of medical expenses, including:

  • In-Patient Hospitalization: Covers expenses for hospital stays, including room rent, ICU charges, and doctor fees.
  • Pre & Post Hospitalization: Medical expenses are covered for 30 days before and 60 days after hospitalization.
  • Ambulance Charges: Covers ambulance expenses up to ₹3,000 for emergency transfers.
  • Organ Donor Expenses: Hospitalization costs for the organ donor are covered up to the sum insured.
  • Domiciliary Treatment: The policy covers medical treatment taken at home if a hospital bed is unavailable or on the advice of a medical practitioner.

Waiting Periods

There are standard waiting periods that apply before certain claims can be made:

  • Initial Waiting Period: A 30-day waiting period from the policy start date for all illnesses, except those due to an accident.
  • Specific Illnesses: A 24-month waiting period for certain specified illnesses and procedures like hernia and joint replacement surgery.
  • Pre-existing Diseases: A 36-month waiting period applies to claims for pre-existing diseases (48 months for Variant 1).

 

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Niva Bupa Health Insurance Company Limited is one of India's leading standalone health insurers (SAHI), headquartered in New Delhi and founded in 2008. The company was formerly known as Max Bupa Health Insurance Company Limited and was rebranded to Niva Bupa in 2021. Niva Bupa offers a wide range of health insurance products for individuals, families, senior citizens, and corporate employees.

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