Niva Bupa Health Companion Health Insurance Plan

What is the Plan all About?

It becomes difficult to analyze how much health insurance coverage is adequate. The health cover which we find adequate today may not suffice the requirement tomorrow due to rising medical costs. Also buying a huge health cover may not be affordable and cost-effective. Health Companion allows you to top up your existing health plan which offers additional coverage with a threshold limit at a lower premium cost in comparison to buying a new health plan.

You may choose it among the 3 variants which are Individual, Family Floater, or Family First (which covers up to 19 relationships in your family) basis the number of insured and the sum insured opted under the plan.

Sum Insured and Top-up range as per 3 variants

Variant 1:

Select from a sum insured of Rs. 2 lacs, Rs. 3 lacs and Rs. 4 lacs.
Top Up with Annual Aggregate Deductible Option of Rs 1 Lakh, Rs 2 Lakh, Rs 3 Lakh, Rs 4 Lakh, Rs 5 Lakh & Rs 10 Lakh

Variant 2:

Select from a sum insured of Rs. 5 lacs, Rs. 7.5 lacs, Rs. 10 lacs & Rs. 12.5 lakh.
Top up your sum insured with Annual Aggregate Deductible Options of Rs. 1, 2, 3, 4, 5, and 10 Lacs.

Variant 3:

Select from a sum insured of Rs. 15 lacs, Rs. 20 lacs, Rs. 30 lacs, Rs. 50 lacs & Rs. 1 crore.
Top up with annual aggregate deductible options of Rs. 1, 2, 3, 4, 5, or 10 lacs.

Key Features

Comprehensive cover starting from Rs 2 Lacs to Rs 1 Crore
Covers up to 19 relationships in one policy with no age restriction
Cashless facility across 3500 quality network hospitals
Option to refill your existing Sum insured
Lifetime Renewability without any
Discounted 2-year policy term
Direct Claim Settlement

Policy Benefits

Hospitalization expenses for medical treatment are covered upto sum insured which includes expenses like doctor’s fees,diagnostic tests,nursing charges, OT charges,ICU charges, etc.
Pre & Post Hospitalization expenses are covered which is 30 days before hospitalization and 60 days after discharge as per the policy conditions.
Covers all Day care proceduresunder this plan.
Expenses for organ harvesting are covered under this plan.
Domiciliary Hospitalization covered upto the base sum insured under this plan.
All AYUSH (Ayurveda, Unani, Siddha and Homeopathy) treatment is covered up to the Base Sum Insured.

Value Added Benefits

For every claim-free year, get A No-claim bonus which is a 20% addition in sum insured, up to a maximum of 100% of the Base Sum Insured.
Complementary Health Check-up - Every 2 years for variant 1 and annual health check-up for variant 2 and 3, at the Co.’s, impaneled service providers for yourself and your family.
The cost of any Emergency Ambulances is covered, as required, and paid once an in-patient claim has been accepted.
Get additional Sum Insured equal to the Base Sum Insured in the same year subject to conditions.
Personal Health Manager allows you to access your claims history, health information, health profile, and records of any tests you've taken with the co. from anywhere.
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

No limits for Room Rent under this plan.
Emergency Ambulance sublimit is upto Rs 3,000 for all variants under this plan.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during the first 30 days of the policy start date, except those arising out of accidents.
Specific Waiting Period: For some conditions listed in the policy are subject to a waiting period of 24 months.
Pre-existing Disease Waiting Period: For Sum insured 5 lakh and above and family first plan this plan has a waiting period of 36 months and for sum insured up to 4 lacs, the waiting period is for 48 months to cover pre-existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	No Limit	No Limit
Sum Assured	2 Lacs	100 Lacs
Cover Type	Individual/Family Floater/Family First	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days From The Date Of Expiry To Renew The Policy	-
Free Look Period	15 Days	-
Riders	Hospital Cash Option	-