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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.

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Cash Facility
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Life Time Renewability
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Smart Top-up Option
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Key Features

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Comprehensive cover up to Rs. 1 crore
Cash Facility

Across 3500 network hospitals

Life Time Renewability
Smart Top-up Option

Offers additional coverage

Tax Benefit

Under section 80D of Income Tax Act.

Benefits

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Cash Less Facility

Across 3500 network hospitals

Complimentary Health Checkup

As per plan eligibility

No Claim Bonus

Base sum insured increase by 20% for each claim-free year, maximum increase up to 100%

Ayush Treatment

Allows to opt for Ayurveda, Unani, Siddha and Homeopathy treatments.

Discounted Policy Tenure

Option to opt for 2 years and earn discount of Rs. 12.5% on 2nd year’s premium.

Free look period

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

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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

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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

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  • 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.