Niva Bupa Niva Bupa Health Companion Health Insurance

Niva Bupa, formerly known as Max Bupa offers the Health Companion Insurance plan to cater to the health insurance needs of policyholders. This is a comprehensive health insurance plan that offers a bunch of benefits. Read on to know all about the Niva Bupa Health Companion plan in the section below.

About Niva Bupa Health Companion

The Niva, Bupa Health Companion is one of the most popular health insurance plans that Niva Bupa offers. This type of health insurance plan offers coverage for individuals and families. Based on your budget, you can get different kinds of coverage with Niva Bupa Health Companion such as 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, and this can go a maximum of up to 1 crore. The inclusions offered under this plan are coverage for AYUSH treatment, modern treatment, day care treatment, pre and post hospitalisation expenses, and more.

Key Features of Niva Bupa Health Companion

Benefits of Niva Bupa Health Companion

Some of the benefits that the Niva Bupa Health Companion offers:

• Modern Treatments: The Niva Bupa Health Companion plan offers coverage for modern treatments. Under modern treatments, coverage is offered for robotic surgeries, deep brain stimulation, and others.
• Pre and Post Hospitalisation Expenses: The plan also provides coverage for pre and post-hospitalisation expenses. The pre-hospitalisation expenses are covered for up to 60 days before hospitalisation and in the case of post-hospitalisation, expenses are covered for up to 180 days after you have been hospitalised.
• Domiciliary Treatment: The Niva Bupa Health Companion also provides coverage for home care or domiciliary treatment. Depending on the sum insured, you will get adequate domiciliary coverage.
• Coverage for Animal Bites: With the Niva Bupa Health Companion, you can also get coverage for vaccination expenses due to animal bites. This coverage is of maximum up to Rs. 5000.
• AYUSH Treatment: You can also get coverage for AYUSH treatment with Niva Bupa Health Companion such as for Ayurveda, Unani, Homeopathy, and more. The coverage for all kinds of AYUSH treatment will be based on the sum insured.
• Organ Donor Cover: The Niva Bupa Health Companion plan also provides coverage if the insured incurs any expenses related to the organ donor.
• Cutomise the Plan: You can also customise the Niva Bupa Health Companion plan as per your needs. For instance, if you need a plan that covers all your family members, you must buy a family floater variant of the Niva Bupa Health Companion plan.
• Variable Sum Insured: There are multiple options for the sum insured when you buy the Niva Bupa Health Companion plan. The available options for the sum insured include 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 12.5 lakhs, 15 lakhs, 20 lakhs, 30 lakhs, 50 lakhs, and 1 crore.
• Discounts Available: You also get discounts when you buy the Niva Bupa Health Companion. The available discount includes tenure discount, tax-saving discount, family discount, and others.

Eligibility Criteria to Buy Niva Bupa Health Companion

Listed below are the eligibility criteria for buying the Niva Bupa Health Companion plan:

Inclusions and Exclusions of Niva Bupa Health Companion

Before buying the Niva Bupa Health Companion plan, you must go through the inclusions and exclusions offered under the plan. Scroll through the section below to know about the inclusions and exclusions of the Niva Bupa Health Companion plan:

Inclusions:

• Restoration benefits
• AYUSH treatment
• Day care treatment
• Pre and post hospitalisation expenses
• Alternative treatment expenses
• Day care treatment
• Organ donor cover
• Annual health check-up
• Emergency ambulance cover
• Vaccination for animal bite

Exclusions:

• OPD treatment
• Unproven treatments
• Dental or oral treatment
• Any damage due to involvement in hazardous activities
• Sleep disorder treatment
• Treatment for obesity, drug overuse, etc
• Sterility and infertility treatment
• Hormone replacement therapy

Add-ons Available with Niva Bupa Health Companion

There are two different types of add-ons that you can include in your Niva Bupa Health Companion plan:

• Hospital Cash Add-on: Any miscellaneous expenses that result out of hospitalisation get covered under the Hospital cash add-on. However, this add-on provides coverage for up to 30 days.
• Safeguard Add-on: The Safeguard add-on in Niva Bupa Health Companion plan can be included to get coverage for items like gloves as well as no claim bonus benefit and inflation protection coverage.

How to Raise Claims with Niva Bupa Health Companion?

There are two types of claims that you can raise along with your Niva Bupa Health Companion plan. This includes cashless claims and reimbursement claims. Listed below are the steps for raising cashless and reimbursement claims.

Cashless Claim:

• First, locate a network hospital near your location
• Once hospitalised, submit documents like Niva Bupa Health Companion plan, passport/aadhaar card/PAN card, etc
• After you have submitted all the documents, the network hospital will approve all the documents and send them to Niva Bupa Health Insurance
• Then, the in-house team of Niva Bupa will verify all the documents and ensure hassle-free claim settlement

Reimbursement Claim

• For reimbursement claim, you need to first inform the insurance company about the hospitalisation prior to 48 hours
• Next, you will have to submit a few documents and also initially pay for the hospitals bills
• Later, submit all the hospitals to the insurer
• The insurer will verify the bills and only then approve the claim request
• Once the claim request is approved, you will get reimbursement of the money spent for treatment