Niva Bupa Health Companion Plan

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      Niva Bupa Health Companion Plan

      Niva Bupa (Formerly known as Max Bupa) Health Companion policy is an all-round health insurance plan that covers your medical expenses, including pre and post-hospitalization expenses, up to Rs1 crore. This policy by Niva Bupa (Formerly known as Max Bupa) Health Insurance Company Limited helps the insured to manage the hospital bills and other medical costs for an affordable price.

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      Key Features and Benefits of Niva Bupa (Formerly known as Max Bupa) Health Companion Plan

      Take a look at the key features and benefits of the Niva Bupa (Formerly known as Max Bupa) Health Companion plan below:

      • Comes with a wide range of sum insured starting from Rs 3 lakh to Rs 1 crore
      • Available in three variants –Variant 1, Variant 2, Variant 3
      • Covers all hospitalization expenses, including pre & post-hospitalization expenses
      • No capping on room rent for sum insured of Rs 5 lakh and above
      • Provides-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy)
      • A smart top-up option is also available
      • Sum insured refill benefit up to 100% in case of exhaustion
      • 20% No Claim Bonus up to 100% provided for every claim-free year
      • Free health check-up facilities are available at designated diagnostic centres of Niva Bupa (Formerly known as Max Bupa) Health Insurance Company
      • Assured policy renewal for life
      • Cashless hospitalization facilities can be availed at over 7400 network hospitals of the insurance company
      • Direct claim settlement with no involvement of third party agents
      • Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.

      Niva Bupa (Formerly known as Max Bupa) Health Companion Policy: Key Highlights

      Categories Specifications
      Sum Insured Rs 3 lakh to Rs 1 crore
      Coverage Individual
      COVID-19 Hospitalization Cover Available
      Policy Tenure 1 year, 2 years
      Pre-existing Diseases Waiting Period 48 months (Variant 1) and 36 months (other variants)
      Discounts 12.5% Tenure Discount

      Inclusions of Niva Bupa (Formerly known as Max Bupa) Health Companion Plan

      The following coverage are included under the Niva Bupa (Formerly known as Max Bupa) Health Companion plan:

      • In-patient Care– Any medical expenses incurred on the hospitalization of at least 24 hours is covered, including room rent.
      • Pre-hospitalization Medical Expenses– It provides coverage for medical expenses incurred up to 30 days before getting admitted to a hospital.
      • Post-hospitalization Medical Expenses– It covers the medical expenses incurred for up to 60 days after getting discharged from the hospital, such as physiotherapy costs.
      • Day Care Treatment– All day care procedures are covered under this Niva Bupa (Formerly known as Max Bupa) Health Insurance plan.
      • Living Organ Donor Transplant– It covers medical expenses incurred by the organ donor for the harvesting of the donated organ.
      • Emergency Ambulance– It reimburses the cost of ambulances services availed during a medical emergency for up to Rs 3000.
      • Vaccination for Animal Bite– This plan also pays for the vaccination costs taken for an animal bite ranging from up to Rs 2500 to Rs 7500 depending on the plan variant.
      • Alternative Treatments– It provides coverage for the treatments taken through the AYUSH system of medicines.
      • Domiciliary Hospitalization– It covers the expenses incurred on availing medical treatment at home on a doctor’s advice due to unavailability of the hospital bed.
      • Modern Treatments– It provides coverage for the cost of modern treatments taken by the insured. 

      Optional Benefit:

      • Hospital Cash Benefit– This cover enables the policyholder to get a daily cash allowance ranging from Rs 1000 to Rs 4000 per day of hospitalization for a maximum of 30 days in a policy year.

      Exclusions under Niva Bupa (Formerly known as Max Bupa) Health Companion Plan

      Following are the exclusions of the Niva Bupa (Formerly known as Max Bupa) Health Companion plan:

      • No treatment is covered within the first 30 days until it is a case of accident/emergency
      • Cosmetic, aesthetic, or related treatments
      • Any illness or disease contracted due to the intake of alcohol or other addictive substances
      • Eyesight
      • HIV AIDS/STD
      • Obesity and weight control treatments
      • Injuries due to participation in hazardous activities
      • Maternity expenses
      • Artificial life maintenance
      • Treatment received outside India

      Get the complete list of exclusions in the policy wordings of the Niva Bupa (Formerly known as Max Bupa) Health Companion plan.

      Niva Bupa (Formerly known as Max Bupa) Health Companion Eligibility Criteria

      The following table shows the eligibility criteria for the Niva Bupa (Formerly known as Max Bupa) Health Companion plan:

      Categories Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Children – 91 days
      Maximum Entry Age Adult – No age limit
      Children – 21 years
      No of Family Members Covered 19
      Family Members Covered Self, spouse, children, son-in-law, daughter-in-law, parents, parents-in-law, grandparents, grandchildren, siblings, siblings-in-law, niece, nephew
      Renewability Lifetime

      Niva Bupa (Formerly known as Max Bupa) Health Companion FAQs

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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