Niva Bupa Health Insurance Company Limited
Health Companion (variant 1, 2, 3, Family First)
Niva Bupa core retail health plan
UIN NBHHLIP24115V072324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹10 cr
Claim settlement (CSR)
98.5%
PED waiting
48 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
30 / 60 days
Network hospitals
10,000+
Free look
30 days
What this plan does well
- 3 variants + Family First — covers core to comprehensive
- Up to ₹10 Cr cover (high SI variants)
- Re-fill Benefit 100% of Base SI per Policy Year
- No Claim Bonus + NCB Super available
- AYUSH up to SI
- Modern Treatments up to SI
- Day care all procedures
- Domiciliary up to SI
Watch out for
- PED waiting 48 MONTHS — LONGER than industry 36-month standard
- PROPORTIONATE DEDUCTION on Associated Medical Expenses if higher room category (DIFFERENT from Senior First/ReAssure 2.0 which use 10% co-pay)
- Pre/Post 30/60 (lower than Health Premia/Senior First 60/180)
- Maternity NOT covered in standard variants (Family First variant only)
- Co-pay choice IMMUTABLE once chosen
- Higher room category triggers proportionate deduction
- OPD only via deductible/addon
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.