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What you get
What you get
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- ₹ {{getAmountInWords(userInputs.productType == 'AccidentCare' ? userInputs.personalAccidentSumInsured : userInputs.criticalIllnessSumInsured)}}
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Please click here to see premium illustration
All Day Care Treatments
Your health insurance will cover host of day care procedures.
Pre & Post Hospitalisation
We cover expenses 60 days before hospitalisation and 180 days post-discharge
No Room Rent Cap
No room rent capping, covers all room category upto sum insured
Health check-up
We cover Health Checkup from day 1 of policy issuance
No Claim Bonus
Get 20% more sum insured at renewal for each claim free year; max up to 100%
Alternative treatment
Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments
Know what’s covered under Health Companion Plan
Simply search for your queries regarding the Health Companion health insurance plan or check out the features listed below
Hospitalisation
In-Patient Care (Hospitalisation)
+ -Hospital Accommodation
+ -Pre & Post Hospitalisation Medical Expenses
+ -All Day-Care Treatments Covered
+ -Your health insurance will cover host of day care procedures
Emergency Ambulance
+ -Home Care / Domiciliary Treatment
+ -Any Age Enrolment
+ -Get health insurance at any age. Newborn (at least 91 days) can also be added to your plan at the time of renewal.
Organ Transplant
+ -Standout Features
Safeguard (Rider)
+ -Get access to additional benefits like- annual increase in coverage based on inflation rate, coverage for non-payable items and no impact on booster benefit / no claim bonus.
Refill Benefit
+ -In case of exhaustion of the base sum insured, get 100% of your base sum insured as a refill for same or different illness.
Direct Claim Settlement
+ -Alternative Treatments
+ -Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured
Cashless Facility
+ -Renewal For Life
+ -Tax Benefit
+ -No Claim Bonus
+ -Get 20% more sum insured at renewal for each claim free year; max up to 100%
Add-on Features
Health Companion | |||
Optional Benefits | For sum insured upto 5 Lacs | For sum insured 7.5 Lacs to 15 Lacs | For sum insured above 20 Lacs |
Hospital Cash The add-on pays fixed amount for each day for up to 30 days of hospitalisation if no hospitalisation for more than48 hours based on your sum insured. |
Rs 1000/day | Rs 2000/day | Rs 4000/day |
Exclusions
Permanent Exclusions
+ -Investigation & Evaluation
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Rest Cure, rehabilitation and respite care
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.
Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
Obesity/ Weight Control
- Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
- Surgery to be conducted is upon the advice of the Doctor.
- The surgery/Procedure conducted should be supported by clinical protocols.
- The member has to be 18 years of age or older and;
- Body Mass Index (BMI);
- greater than or equal to 40 or
- greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss:
- Obesity-related cardiomyopathy
- Coronary heart disease
- Severe Sleep Apnea
- Uncontrolled Type2 Diabetes
Change-of-Gender treatments
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
Cosmetic or plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
Breach of law
Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
Excluded Providers
Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by Us and disclosed in Our website / notified to the Policyholders are not admissible. However, in case of life threatening situations or following an Accident, expenses up to the stage of stabilization are payable but not the complete claim.
The complete list of excluded providers can be referred to on our website.
Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care procedure
Refractive Error
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
Unproven Treatments
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
Sterility and Infertility
- Expenses related to sterility and infertility. This includes:
- Any type of contraception, sterilization
- Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
- Gestational Surrogacy
- Reversal of sterilization
Maternity
Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy; Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.
Ancillary Hospital Charges
Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.
Circumcision:
Circumcision unless necessary for the treatment of a disease or necessitated by an Accident.
Conflict & Disaster:
Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
External Congenital Anomaly:
Screening, counseling or treatment related to external Congenital Anomaly.
Dental/oral treatment:
Treatment, procedures and preventive, diagnostic, restorative, cosmetic services related to disease, disorder and conditions related to natural teeth and gingiva except if required by an Insured Person while Hospitalized due to an Accident.
Hormone Replacement Therapy:
Treatment for any condition / illness which requires hormone replacement therapy.
Sexually transmitted Infections & diseases (other than HIV / AIDS):
Screening, prevention and treatment for sexually related infection or disease (other than HIV / AIDS).
Sleep disorders:
Treatment for any conditions related to disturbance of normal sleep patterns or behaviors.
Any treatment or medical services received outside the geographical limits of India.
Unrecognized Physician or Hospital:
- Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central council of Homeopathy.
- Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives.
- Treatment provided by Hospital or health facility that is not recognized by the relevant authorities in India.
- Treatment related to intentional self-inflicted Injury or attempted suicide by any means.
- Costs which are not Reasonable and customary and treatments which are not medically Necessary.
- Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state
AYUSH Treatment
Any form of AYUSH Treatments, except as mentioned in your policy document.
Why choose Health Companion?
Doctors Speak
Live well with Niva Bupa
Check out what the doctors and the experts have to say about your health and health insurance
03 February 2020
Niva Bupa Health Insurance
Picking the right health insurance for you
Choosing the right health insurance plan is not easy. Niva Bupa can help you in choosing the right health insurance policy in India based on your requirements.
21 January 2020
Niva Bupa Health Insurance
Everything you need to know about health insurance
It is important to have a comprehensive health insurance. Know all about the types of health insurance, it's benefits & understand how to make the best of your medical insurance policy.
Calculate Medical Expenses
Painless renewals
Assured plan renewal for life
Get No Claim Bonus of 20% of base sum insured*
Get cashless health check-ups
Assured policy renewal with no extra loading
Get 20% more coverage for every claim-free year
Unlock annual health checks after each renewal
WHAT IS TOP UP WITH ANNUAL AGGREGATE DEDUCTIBLE OPTION IN HEALTH COMPANION?
WHY IS A TOP-UP IMPORTANT?
WHEN DOES IT MAKE SENSE TO OPT FOR TOP-UP?
HOW DOES THE PLAN WORK?
HOW CAN I BUY THIS POLICY?
WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL OF WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?
IS COVID-19 COVERED UNDER HEALTH COMPANION FAMILY FLOATER PLAN?
It becomes really difficult to decide how much cover is adequate. A cover which we find sufficient today becomes irrelevant tomorrow due to the rising medical inflation. At the same time buying a large insurance cover in the current policy may not be affordable or available.
Our Health Companion Deductible Option acts like a stepney to your health insurance plan. It’s an additional coverage offered to you with a threshold limit. It comes into effect only when your total claim in the same year surpasses the threshold limit.
Get the most value from Health Companion
The Niva Bupa Promise
Your everyday health partner
Hassle-free claims
Get admitted
Visit us at one of our hospitals
Use your health card
Identify yourself with your NivaBupa health card
Get validated
After validation your request will be sent directly to us
We Review
No third party involved!
Claim Settled
In as less as 30 minutes!
Get a quote
Tell us a little about yourself and we’ll get you the right quote.
Compare plans
Not sure if it’s the right plan for your family? Compare it with other similar plans.
Download Resources
Health Companion
Brochure
Download the brochure to understand the Health Companion plan better
Health Companion
Policy Wordings
Find out all you need to know about the plan here
Health Companion
Claim Form
Download the form to make a hassle-free claim
Health Companion
Proposal Form
Download the proposal form here
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