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Health Companion Individual Insurance

Niva Bupa Health Companion Individual Insurance

Key Features of Niva Bupa Health Companion Individual Insurance

Safeguard Rider – Truly cashless feature with coverage even for nonpayables like gloves and more
No claim bonus - In case of a claim free year, the base sum insured increases by 20%; maximum upto 100% of base sum insured. No claim bonus amount does not reduce in case of claim.
Cashless claim - 30 minutes cashless claim processing
Room rent - No room rent capping (Except for suite and above room category)
Refill benefit - Once the sum insured is exhausted, it get reinstated if subsequent / current claim is made for an illness / injury different from that already claimed during the same policy year.
AYUSH treatment - AYUSH treatments are covered upto sum insured along with Pre and post hospitalization expenses.

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Niva Bupa Health Insurance review

Sum Insured
2 lacs - 300 lacs options available

Tenure Options
1 year

Claims Incurred Ratio *
54.00%

Claims Settlement Ratio **
85.96%

List of Network Hospitals
4,500+ hospitals

Number of Policies issued *
696,107

Number of Lives Covered *
54,33,000

Maximum Family Floater Coverage
Self, Spouse + 4 dependent children

* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website

Niva Bupa Niva Bupa Health Companion Individual insurance plan details

Plan type	Individual
Base sum insured (in Rs.)	2 lacs	3 lacs	4 lacs	5 lacs	7.5 lacs	10 lacs	12.5 lacs	15 lacs	20 lacs	30 lacs	50 lacs	100 lacs
In- patient Care	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Room rent	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Pre hospitalization expenses (30 days)	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Post hospitalization expenses (60 days)	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Day Care Treatment	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Living Organ Donor Transplant	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Emergency Ambulance	Up to Rs. 3000			Up to Rs. 3000				Up to Rs. 3000
No Claim Bonus	In case of a claim free year, the base sum insured increases by 20%; maximum upto 100% of base sum insured			In case of a claim free year, the base sum insured increases by 20%; maximum upto 100% of base sum insured				In case of a claim free year, the base sum insured increases by 20%; maximum upto 100% of base sum insured
Refill Benefit	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Vaccination in case of animal bite	Up to Rs. 2,500			Up to Rs. 5,000				Up to Rs. 7,500
Alternative Treatments	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Health Checkup	Once in 2 years			Annual				Annual
Domiciliary hospitalization	Covered up to base sum insured			Covered up to base sum insured				Covered up to base sum insured
Modern Treatments	Covered up to base sum insured with sub limit of 1 lac on few robotic surgeries
Optional Benefits
Hospital Cash	1,000/day			2,000/day				4,000/day
Claim cost sharing options
Annual Aggregate Deductible	Deductible of Rs. 1,2,3,4,5 and 10 lacs			Deductible of Rs. 1,2,3,4,5 and 10 lacs				Deductible of Rs. 1,2,3,4,5 and 10 lacs
Treatment only in Tiered Network	Available only to renewal customers who opted this cost sharing option in the expiring policy			Available only to renewal customers who opted this cost sharing option in the expiring policy				Available only to renewal customers who opted this cost sharing option in the expiring policy