Niva Bupa Health Companion Plan

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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.

Key Features of Niva Bupa Health Companion Plan

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.

How does the plan work?

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

Benefit Illustration of Niva Bupa Health Companion Plan

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

Additional Features of Niva Bupa Health Companion Plan

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.

Exclusions - What is not covered in Niva Bupa Health Companion Plan?

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.

Niva Bupa Health Companion Plan

Niva Bupa Health Companion Plan

Key Features of Niva Bupa Health Companion Plan

How does the plan work?

Benefit Illustration of Niva Bupa Health Companion Plan

Additional Features of Niva Bupa Health Companion Plan

Exclusions - What is not covered in Niva Bupa Health Companion Plan?

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