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Niva Bupa

Health Companion

Smart health coverage for you and your family

4.2/5 Rating
Starting From
₹6,200
per year
₹3L–50L
Sum Insured
10,000+
Network Hospitals
18–65yrs
Entry Age
2 yrs
Waiting Period

About This Plan

Niva Bupa Health Companion is a family floater plan that covers your entire family under a single sum insured. It offers maternity benefits, newborn cover, and extensive day care procedures. A perfect blend of affordability and comprehensive coverage for growing families.

Key Highlights

Family floater option
Maternity & newborn cover
150+ day care procedures
Restore benefit
10,000+ network hospitals
Critical illness cover add-on available

Coverage Details

Room RentSingle standard AC room
ICU ChargesActual
Pre-Hospitalization60 days
Post-Hospitalization90 days
Day Care ProceduresCovered
Maternity BenefitCovered
Newborn CoverCovered
Organ TransplantNot Covered
AYUSH TreatmentCovered
Mental IllnessNot Covered
Domiciliary HospitalizationNot Covered
Restore BenefitYes
Annual Health CheckupYes
Ambulance CoverUp to ₹2,000
No Claim BonusUp to 100% NCB
Co-PaymentNone
Pre-Existing Disease Wait4 years
Specific Disease Wait2 years

Pros

  • Maternity benefit included
  • Family floater option
  • Good for young families
  • Affordable premium
  • Newborn coverage

Cons

  • Room rent capped at single AC
  • No domiciliary cover
  • No organ transplant cover

Who Should Buy This Plan?

Ideal for: Young families and couples