Max Bupa Health Companion Health Insurance Customer Review

Niva Bupa Health Companion Plan

Niva Bupa Wellness Companion Plan, offers comprehensive cover, with a combination of – Individual and Family unit Floater option.  The plan offers 3 variants of embrace starting from Rs. 2 lacs to 1 crore, depending upon need.

Key Features of Niva Bupa Health Companion Programme

• Comprehensive cover up to Rs. 1 crore
• Cash Facility – across 3500 network hospitals
• Life Fourth dimension Renewability
• Smart Pinnacle-upwards Pick – offers additional coverage
• Tax Benefit under section 80D of Income Tax Act.

How does the program work?

The showtime criteria is to choose from is between Individual and Family cover pick. The Family Cover is farther bachelor in 2 option, viz – Family Floater and Family unit First
Family Floater: You tin choose sum insured from iii variants of embrace (for variants refer benefits illustration beneath). Here's the tree diagram for better understanding.

Family unit Floater, is suitable for a nuclear family, its available in the following combinations:-

• 1 Developed + 4 children (minimum ane, maximum 4)
• 2 Adults
• 2 Adults + 4 children (minimum 1, maximum 4)

Family Start: This program is designed to cater wellness insurance needs of a joint family. There are two levels in this plan, viz - Individual Sum Insured and Floater Sum Insured

• Private Sum Insured – offers 1 flat sum insured for each family fellow member
• Floater Sum Insured – this cover works like a pool for all family members and be used by whatever fellow member, once his/her individual sum insured is exhausted. The plan covers any of the below relationships:

Cocky	Granddad
Spouse	Grandmother
Son	Grandson
Daughter-in-law	Granddaughter
Girl	Brother
Son-in-law	Sister
Father	Sister-in-law
Mother	Brother-in-law
Father-in-law	Nephew
Mother-in-law	Niece

The plan covers:-

• solar day care procedures
• no limit to room rent accommodations
• covers pre and post hospitalization expenses
• One policy can cover 19 relationships

Benefit Illustration of Niva Bupa Health Companion Program

VARIANT 1

Over all sum insured (in Rs.)	2 lacs	three lacs	iv lacs
In- patient treatment
Doctors' fees	Covered up to base sum insured	Covered up to base sum insured	Covered up to base sum insured
Diagnostics tests
Medicines, Drugs and Consumables
Nursing Charges
Intravenous fluids, blood transfusion, injection assistants charges
Operation theatre charges
Cost of prosthetics and other devices or equipment, if implanted directly during surgical functioning
Intensive Care Unit charges
Infirmary Adaptation
Pre & post hospitalization expenses
Mean solar day Care Procedures
Organ Donor
Other Benefits
Emergency Ambulance	up to Rs. 3000
No Merits Bonus	20% of base sum insured upward to a of max 100%
Refill Benefit	Up to Base sum insured
Vaccination in case of creature seize with teeth	Up to Rs. 2500
Ayush Treatment	Up to Base of operations sum insured
Wellness Checkup	In one case in 2 years
Domiciliary hospitalization	Covered up to base sum insured
Customer Level Endorsement
Acme-upwardly program on annual aggregate basis	Deductible of Rs. 1,ii,three,iv,five and 10 lacs
Treatment only in tiered network	Option available to Zone 2 customer
Infirmary Cash	1000/twenty-four hour period

VARIANT 2

Over all sum insured (in Rs.)	v lacs	7.5 lacs	10 lacs	12.v lacs
In- patient treatment
Doctors' fees	Covered upward to base of operations sum insured	Covered up to base sum insured	Covered upwardly to base sum insured	Covered upward to base sum insured
Diagnostics tests
Medicines, Drugs and Consumables
Nursing Charges
Intravenous fluids, blood transfusion, injection assistants charges
Operation theatre charges
Toll of prosthetics and other devices or equipment, if implanted direct during surgical operation
Intensive Care Unit of measurement charges
Infirmary Accommodation
Pre & mail hospitalization expenses
Solar day Intendance Procedures
Organ Donor
Other Benefits
Emergency Ambulance	upwards to Rs. 3000
No Claim Bonus	twenty% of base sum insured upwards to a of max 100%
Refill Benefit	Upwards to Base of operations sum insured
Vaccination in case of animal bite	Up to Rs. 5000
Ayush Treatment	Upwards to Base sum insured
Health Checkup	Annual
Domiciliary hospitalization	Covered upwards to base sum insured
Client Level Endorsement
Summit-up plan on annual aggregate ground	Deductible of Rs. i,ii,3,iv,5 and 10 lacs
Handling only in tiered network	Choice available to Zone 2 client
Hospital Cash	2000/day

VARIANT iii

Over all sum insured (in Rs.)	15 lacs	20 lacs	thirty lacs	50 lacs	1 crore
In- patient treatment
Doctors' fees	Covered up to base of operations sum insured	Covered up to base sum insured	Covered up to base sum insured	Covered up to base of operations sum insured
Diagnostics tests
Medicines, Drugs and Consumables
Nursing Charges
Intravenous fluids, blood transfusion, injection administration charges
Operation theatre charges
Price of prosthetics and other devices or equipment, if implanted directly during surgical functioning
Intensive Care Unit of measurement charges
Infirmary Accommodation
Pre & post hospitalization expenses
Day Intendance Procedures
Organ Donor
Other Benefits
Emergency Ambulance	Up to Rs. 3000
No Claim Bonus	twenty% of base sum insured up to a of max 100%
Refill Benefit	Upward to Base sum insured
Vaccination in instance of animal bite	Up to Rs. 7500
Ayush Handling	Up to Base sum insured
Health Checkup	Annual
Domiciliary hospitalization	Covered up to base sum insured
Customer Level Endorsement
Top-up plan on almanac aggregate ground	Deductible of Rs. 1,two,3,4,5 and 10 lacs
Treatment only in tiered network	Option available to Zone ii customer
Hospital Cash	4000/solar day

FAMILY FLOATER

Over all sum insured (in Rs.)	Individual and Floater Sum Insured	Per insured person	Floating footing
	10,15 and 20 lacs	1,2,3,4,v and 10 lacs	3,4,5 lacs
In- patient handling
Doctors' fees	Covered upwardly to base sum insured	Covered upward to base of operations sum insured	Covered upwardly to base of operations sum insured
Diagnostics tests
Medicines, Drugs and Consumables
Nursing Charges
Intravenous fluids, blood transfusion, injection assistants charges
Operation theatre charges
Cost of prosthetics and other devices or equipment, if implanted direct during surgical operation
Intensive Care Unit charges
Hospital Accommodation
Pre & post hospitalization expenses
Mean solar day Care Procedures
Organ Donor
Other Benefits
Emergency Ambulance	up to Rs. 3000
No Merits Bonus	twenty% of individual base sum insured upwards to a of max 100% of individual base sum insured
Refill Benefit	Up to Base sum insured
Vaccination in case of animate being bite	Up to Rs. 5000
Ayush Treatment	Upward to Base sum insured
Health Checkup	Almanac
Domiciliary hospitalization	Covered up to base sum insured
Client Level Endorsement
Top-up plan on almanac aggregate basis	Deductible of Rs. 1,2,3,4,five and x lacs
Treatment only in tiered network	Option available to Zone 2 client
Infirmary Greenbacks	chiliad/twenty-four hour period or 2000/day

Additional Features of Niva Bupa Health Companion Plan

Cash Less Facility – beyond 3500 network hospitals

Complimentary Health Checkup – as per plan eligibility

No Claim Bonus – base of operations sum insured increase by 20% for each merits-free year, maximum increase up to 100%

Ayush Treatment – allows to opt for Ayurveda, Unani, Siddha and Homeopathy treatments.

Discounted Policy Tenure – option to opt for ii years and earn discount of Rs. 12.5% on 2d yr's premium.

Free expect period – If the policy holder is not convinced with the terms and weather of the policy, s/he tin can cancel the same within 15 days of the receipt of policy certificate.

Exclusions - What is not covered in Niva Bupa Health Companion Plan?

• Preexisting diseases – individual and floater benefits volition not exist available for sum insured upward to iv lacs until 48 months. For Family Start plan and sum insured v lacs and above benefits shall exist available after 36 months.
• 30 days waiting period – simply treatment out of blow will be covered
• Specific waiting period and Permanent Exclusions – please refer to policy wordings.

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Source: https://www.myinsuranceclub.com/health-insurance/max-bupa-health-companion

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