Niva Bupa Health Companion Plan UIN MAXHLIP21509V042021
Niva Bupa which was formerly known as Max Bupa has an all rounder health insurance plan named Health Companion policy that covers your medical expenses. One can opt for an individual as well as a family floater option. Niva Bupa Health Companion plan offers different sum insured options that you can choose from. Each plan option provides various benefits to the insured person and which is why it is considered as a comprehensive health insurance plan.
| Plan Name | Niva Bupa Health Companion Plan |
| Policy type | Health Insurance Plan |
| UIN | MAXHLIP21509V042021 |
Compare this plan with other Health Plans
Niva Bupa Health Companion Plan UIN MAXHLIP21509V042021 - Key Features
If the sum insured gets exhausted during the year, then 100% of the base sum insured will be refilled for treatment of any other illnesses.
The policy covers 30 days prior and 60 days post hospitalization charges. The expenses incurred on the treatment or consulting of the doctor is cov
You can avail for the cashless facility from around 6900+ network hospitals of Niva Bupa when you purchase the Health Companion plan. You can consi
The policyholder can avail any type of room accommodation as per his/her choice. There are no room rent cappings.
With every claim free year, health companion plan offers a 20% as bonus. So, if your base sum insured is of Rs.5 lakh and there was no claim during
Niva Bupa Health Companion Plan UIN MAXHLIP21509V042021 - Benefits
The policyholder can avail the hospital cash benefit for the duration of admission at the hospital. The insured person has to be admitted for more
You can show this investment to avail tax exemption under section 80D of the Income Tax Act.
If you take a policy for 2 years together, Niva Bupa Health Companion health insurance policy offers a discount of 12.5% on the second year’s premi
The policy provides an annual increase in the sum insured based on the inflation rate without affecting the premium cost. This is an additional fac
The Niva Bupa Health Companion claims are processed in 30 mins on submission of proper documents and other procedures. There is no involvement of a
All the treatments done at home on account of unavailability of hospital bed or on doctors advice shall be covered up to the sum insured. The expen
In case of emergency, if there is a need for an ambulance, then the policy covers the cost of the ambulance up to Rs.3000. The claim will be accept
Covers various inpatient treatments under AYUSH (Ayurveda, Unani, Siddha and Homeopathy)
The policy can be renewed for a lifelong timeframe without extra loading charge based on the claim history.
Variants in Niva Bupa Health Companion Policy
| Plan Type | Variant 1 | Variant 2 | Variant 3 |
| Base Sum Insured | Upto 4 lakhs | 5 to 12.5 Lakhs | 15 lakhs to 1 Cr |
| Hospital Cash | Rs. 1,000 / day | Rs. 2,000 / day | Rs. 4,000 / day |
| Free Health check up | Once in 2 years | Annually | Annually |
| Vaccination for animal bite | Upto Rs. 2,500 | Upto Rs. 5,000 | Upto Rs.7,500 |
Eligibility Criteria in Niva Bupa Health Companion Plan
| Parameters | Minimum | Maximum |
| Sum assured | 2 Lakhs | 1 Crore |
| Policy term (in yrs.) | 1 | 2 |
| Members | Individual & 2 members in a Family Floater Plan | Up to 6 members (2 adults & 4 kids) in a Family Floater plan |
Exclusion in Niva Bupa Health Companion Plan
- Expenses related to cosmetic or plastic surgery for the purpose of change in appearance
- Policyholder being involved in adventurous sports activity such as para-jumping, rock climbing, motor racing, and more at professional level.
- Activity performed by the policyholder that holds to breach the law due to criminal intent
- Hospital expenses that are related to treatment of gender change, characteristic changes, and surgical management.
- Expenses related to treatment of obesity
Niva Bupa Health Companion Plan UIN MAXHLIP21509V042021 - FAQs
With Niva Bupa Health Companion plan you can apply for cashless claims in their network hospitals. However, if you get hospitalized in any other hospitals, you are required to notify the insurer within 48 hours of admission. Post discharge from the hospital, submit all the relevant documents, invoices, medical reports and discharge summary to the insurer along with a duly filled claim form for reimbursement.
- Original reports and other documents
- Final discharge summary
- Canceled cheque
- Proof of Identity: Aadhar card, PAN, Voter ID, Driving License, Passport.
- Proof of Address: Aadhaar, Passport, Driving License, Voter ID, electricity bill, telephone bill, water bill, gas bill, Ration Card, bank statement, copy of insurance policy are all acceptable documents.
- Proof of Age: Aadhaar, School Leaving Certificate, Passport, Driving License.
- Other documents: Original reports, Final discharge summary, Canceled cheque
For pre-existing illnesses, there is a waiting period of 36 months in a Health Companion plan. If the policyholder is admitted prior to the completion of the waiting period, he/she will have to bear the expenses out of their own pocket.
Under the Niva Bupa Health Companion plan, the hospital cash cover gets triggered on a continuous hospitalization of 48 hours or more.
Depending on the age of the insured person and also the cover they opt for, the necessity of a medical test may differ
- Deep brain stimulation
- Oral chemotherapy
- Intra vitreal injections
- Robotic surgeries
- Bronchial Thermoplasty
- Stem cell therapy
- Balloon sinuplasty
