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Niva Bupa Health Companion Plan

Niva Bupa Health Companion Plan is your best health companion that secures you and your family from medical expenses arising from health emergencies, personal accidents, and critical illness. The plan helps you avail of a cashless claim facility in just 30 minutes in more than 5000+ Niva Bupa network hospitals. Overall, this plan is cost-effective and reliable, coupled with all the smart features you may want to secure every member of your family against unforeseen medical contingencies.

Key Features and Benefits


The key features covered under Niva Bupa Health Companion Plan are as follows:

  • Cashless claims

    You need not worry about finances when facing medical emergencies. There is a cashless treatment approval in the hospital within 30 minutes with no third party (TPA) involvement in more than 5000+ network hospitals.

  • Daycare treatments

    Daycare treatments refer to those medical treatments and procedures that need hospitalisation, but not for more than 24-hours. Some examples of daycare treatments include cataract surgeries, nasal sinus aspiration, cancer chemotherapy, cancer radiotherapy, etc. The costs incurred for such treatments are also covered under the Niva Bupa Health Companion Plan

  • Restore sum insured

    Suppose the insured individual's sum insured is exhausted. It gets reinstated if the current claim is made for an illness or an injury different from the one already claimed during the same policy year.

  • No room rent capping

    Get coverage for all hospital accommodations (except suite and above room category) without any room rent capping under this policy.

  • Pre- and post-hospitalisation

    You will also get pre-hospitalisation and post-hospitalisation cover in this plan. All the expenses during the 30 days before hospitalisation and 60 days after discharge are covered in the Health Companion Plan.

  • OPD expense cover

    The plan covers OPD treatment charges for vaccinations and immunisations after an animal bite, and the cover ranges from Rs. 2,500 to Rs. 7,500 depending on which variant of the plan is selected.

  • Domiciliary cover

    If you are not hospitalised, and all your treatments are done at home, all those expenses are also covered in this plan. Some individuals prefer getting treated at home rather than at a hospital. On the other hand, some doctors also advise staying at home for the treatment.

  • Organ donor expenses

    Medical expenses incurred for an organ donor's treatment for the harvesting of the organ donated will be covered under the policy.

  • Emergency ambulance

    The policy covers ambulance expenses needed to transfer the insured individual following an emergency to the nearest hospital. These expenses are paid up to Rs. 3,000 per hospitalisation, only if the insurer has accepted the in-patient claim.

  • AYUSH treatment cover

    You will also be covered in case of admission as an in-patient for AYUSH treatment. AYUSH stands for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments, and the maximum coverage would be up to the maximum amount of the sum assured.

  • ADD ONS

  • Hospital cash cover

    Get the benefit of these add-ons as they cover all your daily hospital expenses from Rs. 1,000 to Rs. 4,000, depending on the plan variant selected.

  • Safeguard rider

    This is a genuinely cashless feature with coverage even for non-payables like gloves and more.

Policy details

Niva Bupa Health Companion Plan

Insurer name

Niva Bupa Health Insurance Company Limited
Policy type Individual/ family floater
Entry age Minimum entry age: 91days
Maximum entry age: No age limit No age limit
Renewal Lifetime renewable
Policy term One and two years
Sum insured Rs. 21 lakhs
Starting premium (including all taxes) Rs. 5,066 (Pune), Rs. 5,527 (Delhi)
Policy variants
  • Individual/ family floater (Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh
  • Individual/ family floater (Rs. 5 lakh, Rs. 7.5 lakh, Rs. 10 lakh, Rs. 12.5 lakh)
  • Family First Plan (Rs. 15 lakh – Rs. 1 crore)

For more detailed information click here

How to purchase the policy?

To purchase the policy, follow these steps:

  • To apply for the product, click on 'Apply Now' and fill in the necessary details
  • Make the fee payment online using your preferred mode of payment
  • Fill in your name and mobile number
  • Complete the process by clicking on 'Buy Now'. You can also request a callback.

How to process the claims?

Cashless claims

  • With the Niva Bupa Health Companion Plan, you can avail the benefit of cashless treatment at one of 5000+ network hospitals by following the process below:
  • Get admitted to any one of the Niva Bupa network hospitals.
  • Use your Niva Bupa Health Card or share your policy number with the concerned team at a hospital along with your Passport/PAN card/ Voter’s ID as identification proof.
  • Now, the network hospital will validate your identity and submit the pre-authorisation request to the insurer.
  • After validation, the insurer will review and provide their confirmation to the network hospital by fax and e-mail. The insurer ensures you are also notified of the same through text message and e-mail. The insurer will respond to your request within 30 minutes of filing the claim request.
  • The only activity left to do now is the final settlement of your claim (per policy terms and conditions) with the hospital after completing all the necessary formalities.

    Reimbursement claim

    • IIf you get hospitalised, notify the insurer within 48 hours of admission to a network or non-network hospital. After getting admitted, pay the amount directly to the hospital you are in.
    • After you are discharged from the hospital, make sure you have all the relevant documents, invoices, medical reports, and discharge certificates. The insurer would need the originals of all the mentioned documents to process your reimbursement.
    • Send all the documents to the insurer along with the filled and signed claim form. Send your valid ID proof and age proof as well.
    • After receiving your documents, the insurer will review your claim request and accordingly give their approval, raise a query, or reject the same (per policy terms and conditions).
    • Finally, the insurer will settle the claim (per policy terms and conditions) and reimburse the approved amount.

    Documents required for reimbursing claims

    Collect the relevant documents mentioned below in original from the hospital and submit them to the insurer within 15 days of discharge from the hospital.

     
    • Original investigation reports
    • Final hospital discharge summary, FIR or post-mortem report (if any)
    • Pharmacy bills along with the prescription
    • Cancelled cheque or NEFT details for payment
    • Original bills, receipts, and discharge report
    • Indoor case papers and duly filled claim form
    • Original hospital bills and a valid photo ID proof
    • Treating doctor's report
    • Original consultation notes
    • Nature of operation performed and surgeon's bill and receipt
    • Test reports along with attending doctor's or surgeon's report.

Major policy exclusions

  • Dental treatments and cosmetic surgeries
  • Ailments requiring treatment due to use or abuse of any substance, drug or alcohol, and treatment for de-addiction
  • Breach of law with criminal intent or intentional self-injury
  • Cosmetic, aesthetic, and re-shaping treatments and surgeries
  • Psychiatric or psychological disorders and mental disorders
  • Waiting Period:
  • The insurer will not cover any treatment during the first 30 days since the commencement of the policy unless the treatment needed is the result of an accident.
  • Waiting period for Variant 1: 48 months
  • Waiting period for Variant 2, Variant 3 and Family First Plan: 36 months
  • Specific diseases/ conditions waiting period: 2 years
  • A minimum of 48 hours of hospitalisation is required to avail of the hospital cash benefit. Maximum coverage is offered for 30 days /policy year / insured person.

*Refer to the policy document to know more exclusions in detail.

Claim/ assistance contact details

BFL helpline number: 08698010101

Niva Bupa helpline number: 1860-500-1000

E-mail: –  wecare@bajajfinserv.in

Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.

 

*For claim-related issues, please refer to your policy document or Certificate of Insurance (COI).

Disclaimer

“Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, ACKO General Insurance Co. Ltd., Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, and ManipalCigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.

Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability and viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility, and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under Niva Bupa Health Companion. CIN: U66000DL2008PLC182918, UIN: MAXHLIP21509V042021. Rider Name: Safeguard, Rider UIN: MAXHLIA21576V012021. UIN: NB/BN/CA/2021-22/394. Please refer to the insurer's website for policy wordings. For more details on risk factors, terms and conditions, and exclusions, please read the product sales brochure carefully before concluding a sale.

Tax benefits applicable, if any, will be per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide tax/ investment advisory services. Please consult your advisors before proceeding to purchase any insurance product.

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