Niva Bupa Health Companion Plan
Niva Bupa Health Companion Plan, offers comprehensive cover, with a combination of – Individual and Family Floater option. The plan offers 3 variants of cover starting from Rs. 2 lacs to 1 crore, depending upon need.
Key Features
Across 3500 network hospitals
Offers additional coverage
Under section 80D of Income Tax Act.
Benefits
Across 3500 network hospitals
As per plan eligibility
Base sum insured increase by 20% for each claim-free year, maximum increase up to 100%
Allows to opt for Ayurveda, Unani, Siddha and Homeopathy treatments.
Option to opt for 2 years and earn discount of Rs. 12.5% on 2nd year’s premium.
If the policy holder is not convinced with the terms and conditions of the policy, s/he can cancel the same within 15 days of the receipt of policy document.
Variants
VARIANT 1
Over all sum insured (in Rs.) | 2 lacs | 3 lacs | 4 lacs |
In- patient treatment | |||
Doctors’ fees | Covered up to base sum insured | Covered up to base sum insured | Covered up to base sum insured |
Diagnostics tests | |||
Medicines, Drugs and Consumables | |||
Nursing Charges | |||
Intravenous fluids, blood transfusion, injection administration charges | |||
Operation theatre charges | |||
Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation | |||
Intensive Care Unit charges | |||
Hospital Accommodation | |||
Pre & post hospitalization expenses | |||
Day Care Procedures | |||
Organ Donor | |||
Other Benefits | |||
Emergency Ambulance | up to Rs. 3000 | ||
No Claim Bonus | 20% of base sum insured up to a of max 100% | ||
Refill Benefit | Up to Base sum insured | ||
Vaccination in case of animal bite | Up to Rs. 2500 | ||
Ayush Treatment | Up to Base sum insured | ||
Health Checkup | Once in 2 years | ||
Domiciliary hospitalization | 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 | ||
Treatment only in tiered network | Option available to Zone 2 customer | ||
Hospital Cash | 1000/day |
VARIANT 2
Over all sum insured (in Rs.) | 5 lacs | 7.5 lacs | 10 lacs | 12.5 lacs |
In- patient treatment | ||||
Doctors’ fees | Covered up to base sum insured | Covered up to base sum insured | Covered up to base sum insured | Covered up to base sum insured |
Diagnostics tests | ||||
Medicines, Drugs and Consumables | ||||
Nursing Charges | ||||
Intravenous fluids, blood transfusion, injection administration charges | ||||
Operation theatre charges | ||||
Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation | ||||
Intensive Care Unit charges | ||||
Hospital Accommodation | ||||
Pre & post hospitalization expenses | ||||
Day Care Procedures | ||||
Organ Donor | ||||
Other Benefits | ||||
Emergency Ambulance | up to Rs. 3000 | |||
No Claim Bonus | 20% of base sum insured up to a of max 100% | |||
Refill Benefit | Up to Base sum insured | |||
Vaccination in case of animal bite | Up to Rs. 5000 | |||
Ayush Treatment | Up to Base sum insured | |||
Health Checkup | Annual | |||
Domiciliary hospitalization | 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 | |||
Treatment only in tiered network | Option available to Zone 2 customer | |||
Hospital Cash | 2000/day |
VARIANT 3
Over all sum insured (in Rs.) | 15 lacs | 20 lacs | 30 lacs | 50 lacs | 1 crore |
In- patient treatment | |||||
Doctors’ fees | Covered up to base sum insured | Covered up to base sum insured | Covered up to base sum insured | Covered up to base sum insured | |
Diagnostics tests | |||||
Medicines, Drugs and Consumables | |||||
Nursing Charges | |||||
Intravenous fluids, blood transfusion, injection administration charges | |||||
Operation theatre charges | |||||
Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation | |||||
Intensive Care Unit charges | |||||
Hospital Accommodation | |||||
Pre & post hospitalization expenses | |||||
Day Care Procedures | |||||
Organ Donor | |||||
Other Benefits | |||||
Emergency Ambulance | Up to Rs. 3000 | ||||
No Claim Bonus | 20% of base sum insured up to a of max 100% | ||||
Refill Benefit | Up to Base sum insured | ||||
Vaccination in case of animal bite | Up to Rs. 7500 | ||||
Ayush Treatment | Up to Base sum insured | ||||
Health Checkup | Annual | ||||
Domiciliary hospitalization | 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 | ||||
Treatment only in tiered network | Option available to Zone 2 customer | ||||
Hospital Cash | 4000/day |
FAMILY FLOATER
Over all sum insured (in Rs.) | Individual and Floater Sum Insured | Per insured person | Floating basis |
10,15 and 20 lacs | 1,2,3,4,5 and 10 lacs | 3,4,5 lacs | |
In- patient treatment | |||
Doctors’ fees | Covered up to base sum insured | Covered up to base sum insured | Covered up to base sum insured |
Diagnostics tests | |||
Medicines, Drugs and Consumables | |||
Nursing Charges | |||
Intravenous fluids, blood transfusion, injection administration charges | |||
Operation theatre charges | |||
Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation | |||
Intensive Care Unit charges | |||
Hospital Accommodation | |||
Pre & post hospitalization expenses | |||
Day Care Procedures | |||
Organ Donor | |||
Other Benefits | |||
Emergency Ambulance | up to Rs. 3000 | ||
No Claim Bonus | 20% of individual base sum insured up to a of max 100% of individual base sum insured | ||
Refill Benefit | Up to Base sum insured | ||
Vaccination in case of animal bite | Up to Rs. 5000 | ||
Ayush Treatment | Up to Base sum insured | ||
Health Checkup | Annual | ||
Domiciliary hospitalization | 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 | ||
Treatment only in tiered network | Option available to Zone 2 customer | ||
Hospital Cash | 1000/day or 2000/day |
How it works
The first criteria is to choose from is between Individual and Family cover option. The Family Cover is further available in 2 option, viz – Family Floater and Family First
Family Floater: You can choose sum insured from 3 variants of cover (for variants refer benefits illustration below). Here’s the tree diagram for better understanding.
Family Floater, is suitable for a nuclear family, its available in the following combinations:-
- 1 Adult + 4 children (minimum 1, maximum 4)
- 2 Adults
- 2 Adults + 4 children (minimum 1, maximum 4)
Family First: This plan is designed to cater health insurance needs of a joint family. There are 2 levels in this plan, viz - Individual Sum Insured and Floater Sum Insured
- Individual Sum Insured – offers one flat sum insured for each family member
- Floater Sum Insured – this cover works like a pool for all family members and be used by any member, once his/her individual sum insured is exhausted. The plan covers any of the below relationships:
Self | Grandfather |
Spouse | Grandmother |
Son | Grandson |
Daughter-in-law | Granddaughter |
Daughter | Brother |
Son-in-law | Sister |
Father | Sister-in-law |
Mother | Brother-in-law |
Father-in-law | Nephew |
Mother-in-law | Niece |
The plan covers:-
- day care procedures
- no limit to room rent accommodations
- covers pre and post hospitalization expenses
- One policy can cover 19 relationships
Exclusions
- Preexisting diseases – individual and floater benefits will not be available for sum insured up to 4 lacs until 48 months. For Family First plan and sum insured 5 lacs and above benefits shall be available after 36 months.
- 30 days waiting period – only treatment out of accident will be covered
- Specific waiting period and Permanent Exclusions – please refer to policy wordings.