Insurance Company
Niva Bupa Health Insurance
Policy Name
Health Companion
Expert Overview -
Niva Bupa Health Insurance began operations in 2008 and has over a decade of experience in standalone health insurance. Backed by Bupa’s global healthcare expertise, it has built a strong retail health insurance portfolio in India.
Plan Strategy -
Comprehensive health insurance plan for families and individuals offering multiple customizable options
Network Hospitals
10,000+
>8,500 recommended
Claim Ratio
91.88%
>95% recommended
Complaints
42.62
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
20% no claim bonus annually upto 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
