Niva Bupa
Health Companion
Plan & insurer snapshot
✅ Claims (No.)
90.64%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
7.30%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
10,000+
Reported size of network hospitals.
💬 Complaints
0.43%
Complaint incidence on claims experience.
✨ Expert Verdict
Health Companion is a health insurance plan from Niva Bupa. Review policy wording and add-on details before final purchase.
Pros
- No co-pay requirement under base policy.
- Refill benefit available (Once in a policy year).
- Day-care procedures are included in coverage.
Cons
- Disease-wise sub-limits apply on select treatments.
- Premium positioning is on the expensive side.
Key Features
Room Rent
Not specified
Co-Pay
No
Disease Sub-limit
Yes
Pre-Hospitalisation
Not specified
Post-Hospitalisation
Not specified
Refill Trigger
Partial exhaustion of Sum Insured
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
2
Pre-existing Disease Waiting
3