HEALTH COMPANION PLAN

(Max Bupa is now Niva Bupa)

Key Features and Benefits of Niva Bupa (Formerly known as Max Bupa) Health Companion Plan

Take a look at the key features and benefits of the Niva Bupa (Formerly known as Max Bupa) Health Companion plan below:

Comes with a wide range of sum insured starting from Rs 3 lakh to Rs 1 crore
Available in three variants –Variant 1, Variant 2, Variant 3
Covers all hospitalization expenses, including pre & post-hospitalization expenses
No capping on room rent for sum insured of Rs 5 lakh and above
Provides-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy)
A smart top-up option is also available
Sum insured refill benefit up to 100% in case of exhaustion
20% No Claim Bonus up to 100% provided for every claim-free year
Free health check-up facilities are available at designated diagnostic centres of Niva Bupa (Formerly known as Max Bupa) Health Insurance Company
Assured policy renewal for life
Cashless hospitalization facilities can be availed at over 7400 network hospitals of the insurance company
Direct claim settlement with no involvement of third party agents
Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.

Categories	Specifications
Sum Insured	Rs 3 lakh to Rs 1 crore
Coverage	Individual
COVID-19 Hospitalization Cover	Available
Policy Tenure	1 year, 2 years
Pre-existing Diseases Waiting Period	48 months (Variant 1) and 36 months (other variants)
Discounts	12.5% Tenure Discount

The following coverage are included under the Niva Bupa (Formerly known as Max Bupa) Health Companion plan:

In-patient Care– Any medical expenses incurred on the hospitalization of at least 24 hours is covered, including room rent.
Pre-hospitalization Medical Expenses– It provides coverage for medical expenses incurred up to 30 days before getting admitted to a hospital.
Post-hospitalization Medical Expenses– It covers the medical expenses incurred for up to 60 days after getting discharged from the hospital, such as physiotherapy costs.
Day Care Treatment– All day care procedures are covered under this Niva Bupa (Formerly known as Max Bupa) Health Insurance plan.
Living Organ Donor Transplant– It covers medical expenses incurred by the organ donor for the harvesting of the donated organ.
Emergency Ambulance– It reimburses the cost of ambulances services availed during a medical emergency for up to Rs 3000.
Vaccination for Animal Bite– This plan also pays for the vaccination costs taken for an animal bite ranging from up to Rs 2500 to Rs 7500 depending on the plan variant.
Alternative Treatments– It provides coverage for the treatments taken through the AYUSH system of medicines.
Domiciliary Hospitalization– It covers the expenses incurred on availing medical treatment at home on a doctor’s advice due to unavailability of the hospital bed.
Modern Treatments– It provides coverage for the cost of modern treatments taken by the insured.

Hospital Cash Benefit– This cover enables the policyholder to get a daily cash allowance ranging from Rs 1000 to Rs 4000 per day of hospitalization for a maximum of 30 days in a policy year.

Following are the exclusions of the Niva Bupa (Formerly known as Max Bupa) Health Companion plan:

No treatment is covered within the first 30 days until it is a case of accident/emergency
Cosmetic, aesthetic, or related treatments
Any illness or disease contracted due to the intake of alcohol or other addictive substances
Eyesight
HIV AIDS/STD
Obesity and weight control treatments
Injuries due to participation in hazardous activities
Maternity expenses
Artificial life maintenance
Treatment received outside India

Get the complete list of exclusions in the policy wordings of the Niva Bupa (Formerly known as Max Bupa) Health Companion plan.

The following table shows the eligibility criteria for the Niva Bupa (Formerly known as Max Bupa) Health Companion plan:

Categories	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Children – 91 days
Maximum Entry Age	Adult – No age limit Children – 21 years
No of Family Members Covered	19
Family Members Covered	Self, spouse, children, son-in-law, daughter-in-law, parents, parents-in-law, grandparents, grandchildren, siblings, siblings-in-law, niece, nephew
Renewability	Lifetime