Niva Bupa Health Insurance – Niva Bupa Health Companion

8.7
Expert ScoreRead review
  • Unlimited online/ tele consultations.
  • Pharmacy & diagnostic services: Get discounts through our empanelled sevice provider.
  • Mental disorder treatment: Covered up to Sum Insured (sub-limit applicable on few conditions).
  • Modern treatments: Covered up to Sum Insured (sub-limit applicable on few conditions).
An affordable health insurance plan that makes securing health painless.
  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment
  • Claims Settled :99.99%

12,926.00

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Health insurance

Niva Bupa Health Insurance – Niva Bupa Health Companion

8.7
Expert ScoreRead review


Premium Amount

12,926.00

  • Unlimited online/ tele consultations.
  • Pharmacy & diagnostic services: Get discounts through our empanelled sevice provider.
  • Mental disorder treatment: Covered up to Sum Insured (sub-limit applicable on few conditions).
  • Modern treatments: Covered up to Sum Insured (sub-limit applicable on few conditions).
An affordable health insurance plan that makes securing health painless.
  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment
  • Claims Settled :99.99%
100% Cover restoration
100% of cover amount
Free Health Check-up
-
Daily cash allowance
Rs 1000/day for Sum Insured upto 5L. Rs 2000/day for Sum Insured upto 15L. Rs 4000/day for Sum Insured upto 100L, max up to 30 days
Ambulance charges
Up to Rs. 2000.0
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
20% of cover amount for every claim free year, max up to 100%
Post hospitalisation
Expenses for 180 days covered
Ayush treatments
Ayush benefit up to Rs. 2000000
Maternity
NA
Outpatient Expense
Up to Rs 7500
Organ donor expenses
Covered up to Rs. 2000000
New-born treatment
NA
Domiciliary Hospitalisation
Covered up to Rs. 2000000
Recovery allowance
NA
Sum Insured
20 Lakh
E- Consultation
NA

Pros

NA
20% of cover amount for every claim free year, max up to 100%
Ayush benefit up to Rs. 2000000
Domiciliary Hospitalisation
Covered up to Rs. 2000000

cons

USP of This Plan

  • Unlimited online/ tele consultations.
  • Pharmacy & diagnostic services: Get discounts through our empanelled sevice provider.
  • Mental disorder treatment: Covered up to Sum Insured (sub-limit applicable on few conditions).
  • Modern treatments: Covered up to Sum Insured (sub-limit applicable on few conditions).
An affordable health insurance plan that makes securing health painless.
  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment
  • Claims Settled :99.99%

Our Take

8.7Expert Score
  • Unlimited online/ tele consultations.
  • Pharmacy & diagnostic services: Get discounts through our empanelled sevice provider.
  • Mental disorder treatment: Covered up to Sum Insured (sub-limit applicable on few conditions).
  • Modern treatments: Covered up to Sum Insured (sub-limit applicable on few conditions).
An affordable health insurance plan that makes securing health painless.
  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment
  • Claims Settled :99.99%
Best values score
8.7

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
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8.7Expert Score
  • Unlimited online/ tele consultations.
  • Pharmacy & diagnostic services: Get discounts through our empanelled sevice provider.
  • Mental disorder treatment: Covered up to Sum Insured (sub-limit applicable on few conditions).
  • Modern treatments: Covered up to Sum Insured (sub-limit applicable on few conditions).
An affordable health insurance plan that makes securing health painless.
  • Cover :₹ 20.0 Lakhs
  • Bonus / NCB :20% of cover amount for every claim free year, max up to 100%
  • Copay :No copayment
  • Claims Settled :99.99%
Best values score
8.7

Specification: Niva Bupa Health Insurance – Niva Bupa Health Companion

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Niva Bupa Health Insurance – Niva Bupa Health Companion
Niva Bupa Health Insurance – Niva Bupa Health Companion

12,926.00

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