All About Health Companion Policy by Niva Bupa

Founded in the year 2008, Niva Bupa Health Insurance Company Limited is a renowned health insurance company in India. A joint venture between Max India Limited and Bupa, Niva Bupa has its headquarters in New Delhi, India. A standalone health insurance provider, Niva Bupa has a wide range of health insurance products to offer. Some of its popular products include individual health insurance, family floater insurance policies, senior citizen policies, critical illness health cover, top-up plans, and more. Talking about some popular plans, Health Companion is one among many.

What Is a Health Companion Policy By Niva Bupa Health Insurance?

Health Companion is Niva Bupa's comprehensive health insurance cover. An affordable choice, Health Companion makes sure you don't have to bear the stress of securing your health and finances at the same time. Specifically designed while keeping the medical needs of individuals, nuclear and joint families in mind, Health Companion is the true companion of health in cases of medical emergencies.

What Are Some of the Key Features of Health Companion?

Niva Bupa's Health Companion policy has a lot to offer. Some of the key highlights of this health insurance plan include:

• Any age enrollment
• Hassle-free renewal process
• Minimum entry age of 91 days
• Lifelong plan renewability feature
• The sum insured ranges up to Rs. 1 Crore
• Coverage for 19 relationships under one policy
• No room rent capping for sum insured Rs. 5 Lakh and above
• Cashless health check-ups with no extra loading
• 20% more coverage for every claim-free renewal
• 15 days free look period for policy cancellation
• Available in the form of Silver, Gold, and Platinum variants
• Tax benefits according to the Section 80D of the Indian Income Tax Act, 1961

What Are Some of the Prime Inclusions Under Health Companion?

Health Companion by Niva Bupa provides vast coverage. Some of the prime inclusions under the policy are:

• Inpatient treatment including doctor's fees, diagnostic test expenses, and more, up to the sum insured
• Hospital accommodation, up to a specific amount
• Pre-hospitalisation (30 days) costs and post-hospitalization (60 days) costs
• All daycare procedures
• Domiciliary hospitalization
• Organ transplant
• Emergency ambulance expenses
• 100% sum insured as a refill benefit
• Inpatient treatment covered under AYUSH, up to the sum insured amount

Does Niva Bupa's Health Companion policy come with any add-on cover?

Yes, under Health Companion you can avail the optional cover of Hospital Cash. Note that this add-on cover provides hospital cash, in case in-patient care hospitalization has been accepted with the insured individual being in hospitalization for a minimum period of 48 hours. Furthermore, the hospital cash benefit is paid up to a maximum of 30 days of hospitalization during the policy year.

Does Health Companion Policy Require One to Undergo a Medical Checkup Before Purchase?

Yes, an individual might have to go for a medical checkup to avail of the policy. Note that the medical checkup clause depends on the age of the policyholder.

What Are Some of the Key Exclusions Under Health Companion?

• Circumcision
• Dental or oral treatment
• Sterility and infertility
• Cosmetic or plastic surgery
• Obesity and weight control
• External congenital anomaly
• Injuries from war and war-like situations
• Treatment from an unrecognised physician or hospital
• Sexually transmitted diseases and infections (other than HIV / AIDS)
• Expenses related to childbirth, miscarriage, lawful medical termination of pregnancy

At Last 

Health Companion by Niva Bupa is one of the most popular health insurance policies. You can opt for this affordable policy to get your precise medical requirements met without having to exhaust your savings. Rest assured, Health Companion will prove to be the ultimate companion of good health for you as well as your family at a time when you need it the most. Go ahead and buy Health Companion today itself! 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.