Niva Bupa Health Companion Health Insurance

Benefits	Variant 1	Variant 2	Variant 3
Sum Insured	2, 3 & 4 Lakhs	5, 7.5, 10 & 12.5 Lakhs	15, 20, 30, 50 Lakhs & 1 Crore
Baseline cover benefits (1), (2)
IN - PATIENT TREATMENT
Doctor's fees	Covered	Covered	Covered
Diagnostic Tests	Covered	Covered	Covered
Medicines, drugs and consumables	Covered	Covered	Covered
Nursing Charges	Covered	Covered	Covered
Intravenous fluids, blood transfusion, injection administration charges	Covered	Covered	Covered
Operation theatre charges	Covered	Covered	Covered
Cost of prosthetics and other devices or equipment if implemented internally during a Surgical Operation	Covered	Covered	Covered
Intensive Care Unit Charges	Covered	Covered	Covered
Hospital accommodation	Covered	Covered	Covered
Pre and Post hospitalization expenses including doctor's consultation, diagnostics tests, medicines, drugs and consumables	Covered	Covered	Covered
Day care procedures	Covered	Covered	Covered
Organ Donor	Covered	Covered	Covered
OTHER BENEFITS
Emergency ambulance	Up to Rs.3,000	Up to Rs.3,000	Up to Rs.3,000
No Claim Bonus	20% of Base Sum Insured upto a max of 100%	20% of Base Sum Insured upto a max of 100%	20% of Base Sum Insured upto a max of 100%
Refill Benefit (3)	Up to Base Sum Insured	Up to Base Sum Insured	Up to Base Sum Insured
Vaccination (in case of Animal Bite) (4)	Upto Rs.2,500	Upto Rs.5,000	Upto Rs.7,500
Ayush	Up to Base Sum	Up to Base Sum Insured	Up to Base Sum Insured
Treatment (5)	Insured	-	-
Health Check-up	Once in 2 years	Annual	Annual
Domiciliary Hospitalization	Covered upto Base Sum Insured	Covered up to Base Sum Insured	Covered up to Base Sum Insured
CUSTOMER LEVEL ENDORSEMENT
Top-up plan on annual aggregate basis	Deductible of Rs.1,2,3,4,5 and 10 lacs	Deductible of Rs.1,2,3,4,5 and 10lacs	Deductible of Rs.1,2,3,4,5 and 10lacs
Treatment only in Tiered Network (6)	Option available to Zone 2 customers	Option Available to Zone 2 customers	Option Available to Zone 2 customers
Hospital Cash (7)	1,000/day	2,000/day	4,000/day

Notes:
(1) Baseline cover includes a
- 48 month waiting period for Variant 1 and 36 months waiting period for Variant 2 and Variant 3 for pre-existing conditions
- a 2 year waiting period for specific diseases/conditions
- a 30 day Initial waiting period from inception
- Entry age for Adults is 18 years onwards and from 91 days to 21 years for children. New born children can be added to existing policies at renewal.
(2) No co-payment for insured of any age
(3) Re-Fill benefit - Reinstate upto base sum insured. Applicable for different illness
(4) Vaccination for Animal Bite (Post Bite Treatment) - OPD Benefit upto defined limit as part of overall limit
(5) AYUSH Treatment - Inpatient Treatment taken up in authorized Government Hospitals
(6) Tiered Network - Zone 2 customers can avail cashless treatment in Niva Bupa's network hospitals in Zone 2 locations. Customers can also avail treatment (reimbursement basis) in Zone 1 hospitals with 20% co-payment. Customer opting for this option will get a 10% discount
(7) Hospital Cash - Minimum 48 hrs of continuous hospitalization required. Maximum coverage offered for 30 days/policy year. Payment made from day one subject to hospitalization claim being admissible.