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

Niva Bupa Health Insurance
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

Niva Bupa health insurance useful links

buy Niva Bupa health insurance How to buy Niva Bupa health insurance?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Insurance FAQ Insurance FAQ

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Niva Bupa Claims Procedure Claims Procedure

Niva Bupa health Insurance Claims Procedure

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Portability Portability

Steps to port your existing health insurance to a new health insurance policy by a different company.

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Niva Bupa Network of hospitals Niva Bupa Network of hospitals

Niva Bupa insurance plan network hospital list.

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Tax benefits Tax benefits

Tax deduction on health insurance premium paid for you, your family and your parents.

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