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What you get
What you get
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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 30 days before hospitalisation and 60 days post-discharge.
No Room Rent Cap
Covered for rooms (except suites or above) for SI ₹ 5 lakhs & above
Health check-up
Pick tests based on your needs and avail cashless health check-ups
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)
+ -Get cashless coverage for hospitalisation expenses for all insured members at network hospitals
Hospital Accommodation
+ -Get coverage for all hospital accommodations except suite & above room category without any room rent capping under this policy
Pre & Post Hospitalisation Medical Expenses
+ -All Day-Care Treatments Covered
+ -Your health insurance will cover host of day care procedures.
Emergency Ambulance
+ -The policy covers the cost of ambulance upto ₹ 3000/. These expenses are paid once we have accepted the inpatient claim
Domiciliary Hospitalisation
+ -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
Refill Benefit
+ -
In case of exhaustion of the base sum insured, get 100% of your base sum insured as a refill for a different illness
Direct Claim Settlement
+ -There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly
Alternative Treatments
+ -Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured
Cashless Facility
+ -Renewal For Life
+ -The policy assures you renewability for life with no extra loadings based on your claim history
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 | Health Companion health insurance: Individual / Family Floater (variant 1) | Health Companion health insurance: Individual / Family Floater (variant 2) | Health Companion health insurance: Individual / Family Floater (variant 3) | Health Companion health insurance: Family First |
Hospital Cash | Rs 1000/day | Rs 2000/day | Rs 4000/day | Rs 1000/day or Rs 2000/day |
Exclusions
Permanent Exclusions
+ -- Ancillary hospital charges
- Hazardous activities
- Artificial life maintenance
- Behavioral, Neurodevelopmental and Neurodegenerative Disorders
- Circumcision
- AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy
- Conflict & disaster
- External congenital anomaly
- Convalescence & rehabilitation
- Cosmetic and reconstructive surgery
- Dental/oral treatment
- Eyesight & optical services
- Experimental or unproven treatment
- HIV, AIDS, and related complex
- Hospitalization not justified
- Inconsistent, irrelevant or incidental diagnostic procedures
- Mental and psychiatric conditions
- Non-medical expenses
- Obesity and weight control programs
- Off- label drug or treatment
- Puberty and menopause-related disorders
- Reproductive medicine & other maternity expenses
- Robotic-assisted surgery, light amplification by stimulated emission of radiation (LASER) & light-based treatment
- Sexually transmitted infections & diseases
- Sleep disorders
- Substance-related and addictive disorders:
- Unlawful activity
- Treatment received outside India
- Unrecognized physician or hospital
- Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure-II of the 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 INDIVIDUAL 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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