Niva Bupa Health Companion Health Insurance

Health Companion Policy offered by Niva Bupa Health Insurance is a comprehensive medical insurance policy that offers both individual and family floater cover for several healthcare expenses. The policy has different sum insured options starting from as low as Rs. 2 Lakh going up to Rs. 1 crore, that you can choose as per your budget and requirement. The policy comes in different variants namely variant 1, 2, 3, and Family First, which differ in terms of coverage benefits as well as sum insured options. You can buy it for either 1 year or 2 years. On buying it for 2 years, you can avail a discount on the premium paid for second year. You can also buy this policy as top-up with different deductible options between Rs. 1 Lakh and Rs. 10 Lakh.

Health Companion Policy offers several coverage benefits to the insured, some of which include organ donor expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, health check-up, domiciliary hospitalisation expenses, and modern treatments. Apart from this, the policy offers two optional covers namely hospital cash and Safeguard (rider) which you can include in your policy for additional coverage above the benefits of the base policy. Other policy benefits include refill benefit, No Claim Bonus, lifetime renewability benefit, and tax benefits under Section 80D of the Income Tax Act, 1961. All in all, the policy comes with a lot of benefits which may bring some relief to the insured in case of a health emergency, and hence, is a preferred choice for many.