Top Insurance Recommendations of Niva Bupa

Niva Bupa ReAssure Health Policy

This policy comes with an option of individual and a family floater plan that covers up to 6 members. The sum insured coverage starts from INR 3 lakh to INR 1 crore and the yearly premium starts from INR 9,111. The policy provides several benefits and discounts such as coverage of modern treatments, booster rider and reassure benefits. Let’s see all the features of this policy in a detailed manner:

Key Features:

• Covers hospitalization costs such as doctor’s fees, room rent coverage with no limit, operation theater (OT) charges and many more.
• Extensive coverage of modern hospitalization treatments such as surgeries like chemotherapy, deep-brain stimulation, robotic surgeries etc.
• The insured gets an advantage of booster benefit, where 50% of the sum insured amount is increased in a claim free year.
• Provides Reassure benefit, where the sum insured is reinstated post the first claim so that the insured is never short of cover. This reinstatement is unlimited in a policy year, irrespective of the number of claims settled.
• Coverage for AYUSH treatments such as ayurvedic and homeopathic treatment.
• Insured gets an additional premium discount of up to 30% on the renewal of policy by collecting health points on the Niva Bupa health app.
• Coverage of pre and post hospitalization expenses for 60 and 180 days respectively.
• In air ambulance coverage, cashless claims goes up to the sum insured amount and cover of INR 2.5 lakh is provided in the case of reimbursement claim.

Eligibility for Niva Bupa ReAssure Health Policy

• Minimum age is 18 years and the maximum age is 65 years.
• Total six members of a family including adults and children are covered.

Niva Bupa Health Companion Policy

This policy has three variants – Variant 1, Variant 2 and Variant 3. It comes with a wide range of the sum insured amount from INR 3 lakh to INR 1 crore and the yearly premium starts from INR 5,085. Let’s have a look at the benefits of the policy:

Key Features:

• Cover expenses of 30 days before hospitalization and 60 days post hospital discharge.
• The policyholder can opt for any normal hospital room except suites or above, if the sum insured is of INR 5 lakh and above.
• Coverage of additional 20% sum insured at the time of policy renewal for each claim free year, this coverage can go maximum up to 100%.
• Provides coverage for the AYUSH related treatments.
• Provides hospital cash benefit, where the insured gets a daily cash ranging from INR 1,000 to INR 4,000.
• The policy covers the ambulance costs up to INR 3,000.

Eligibility of Niva Bupa Health Companion Policy

• Minimum age for adults is 18 years and for children is 91 days.
• No restriction on the maximum age limit for adults and for children is 21 years.
• Total 19 members are covered in the family.

Niva Bupa Go Active Health Policy

This plan comes with an option of both individual and family floater health policy. The sum insured ranges from INR 4 lakh to INR 25 lakh with a yearly premium of INR 13,352.

Key Features:

• Covers costs of 90 days pre hospitalization and 180 days post discharge
• The policyholder can opt for any normal hospital room except suites or above, if the sum insured is of INR 5 lakh and above.
• The insured can avail maximum of 10 OPD consultations every year.
• Free health check-ups can be availed from the day one of the policy.
• Avail a lifetime discount of 10% on the base premium, if insured buys the policy before 35 years

Optional Features:

• Provides i-protect benefit, where the insured receives additional 10% of the sum insured amount every year at the time of policy renewal.
• Personal health coaching services given to the insured.
• Offers personal accident coverage up to INR 50 lakh depending upon the plan.

Eligibility

• Minimum age for adults is 18 years and maximum age is 65 years.
• Minimum age for children is 91 days and maximum age is 21 years.
• Total six members are covered in the family.

Niva Bupa Health Premia Policy

This health policy comes in three variants such as silver, gold and platinum. The sum insured amount ranges from INR 5 lakh to INR 3 crore, depending upon which variant the insured selects. The yearly premium starts from INR 12,488. Let’s find out what features are covered in Health Premia policy:

Key Features:

• Covers costs of 90 days before you get hospitalized and 180 days post discharge.
• Coverage of day care treatment costs such as dental, ENT and others.
• Inbuilt travel insurance which includes coverage related to loss of checked-in baggage or trip cancellation and more.
• Under the gold and platinum plan, the insured gets international coverage of INR 30 lakh and INR 1 crore per person, respectively.
• Provides coverage for the treatment of new age diseases like laser or robotic surgeries and more.
• All policyholders are covered for maternity costs and are not required to pay additional premium to cover their newborn until the first policy year. Maternity coverage for varied plans is as follows:

1. Silver Plan- Coverage up to INR 60,000 per person
2. Gold Plan- Coverage up to INR 1,00,000 per person
3. Platinum Plan- Coverage up to INR 2,00,000 per person (worldwide)

• Health check-ups and diagnostic tests are covered from day one of the policy. The limit of each plan are as follows:

1. Silver Plan- Coverage up to INR 1,875 per person
2. Gold Plan- Coverage up to INR 7,500 per person
3. Platinum Plan- Coverage up to INR 10,000 per person

Optional Features:

• Hospital cash coverage up to 30 days of hospitalization, if the insured is admitted for more than two days.
• Add-on coverage of personal accident and critical illness.
• The insured can avail insurance even in the U.S. and Canada.
• Option to increase the sum insured by 20% per year with a maximum limit up to 200% of expiring base sum insured, irrespective of number of claims settled.

Eligibility of Niva Bupa Health Primea Policy

• There is no age limit on minimum and maximum entry age
• Total number of 19 members in the family can be covered

Niva Bupa Heartbeat Policy

This policy provides the option of both individual and family floater plans. It has two types of plan- Gold and Platinum.. The sum insured amount ranges from INR 5 lakh to INR 1 crore and the cost of yearly premium starts from INR 16,414. Let’s find out the features covered in Heartbeat policy:

Key Features:

• Coverage for pre- and post-hospitalization expenses for 60 days and 90 days respectively.
• Cashless coverage for hospital admission costs at network hospitals.
• Medical costs related to organ donor’s treatment is also covered
• Coverage of day care treatment costs such as dental, ENT and others.
• In case of hospital admission, the insured can choose the room which is covered up to the sum insured amount.
• The policyholder of platinum plan can avail insurance even when they are traveling abroad.
• All policyholders are covered for maternity costs and are not required to pay additional premium to cover their newborn until the first policy year. Maternity Coverage for varied plans is as follows:

1. Gold Plan- Coverage up to INR 1,00,000 per person
2. Platinum Plan- Coverage up to INR 2,00,000 per person

• Health check-ups and diagnostic tests are covered from day one of the policy. The limit of each plan are as follows:

1. Gold Plan- Coverage up to INR 2,500 per person
2. Platinum Plan- Coverage up to INR 5,000 per person

• Get a loyalty bonus of 10% additional sum insured every year, irrespective of claim history.

Optional Features:

• The insured is entitled to receive daily hospital cash of INR 3000 per day under gold plan and INR 6000 per day under platinum plan.
• Add-on coverage of personal accidents and critical illness.
• Premium for next year will be waived, in case the insured passes away or is diagnosed with a specified illness during the policy tenure.
• The insured can avail insurance even in the U.S. and Canada.

Eligibility of Niva Bupa Heartbeat Policy

• There is no age limit on minimum and maximum entry age.

Niva Bupa Senior First Health Policy

This plan is designed to provide health coverage for senior citizens, aged above 60 years. The plan comes in two variants – Gold and Platinum plan and the yearly premium starts from INR 13,453. The sum insured amount ranges from INR 5 lakh to INR 25 lakh. Let’s check out the policy features of Senior First health plan:

Key Features:

• Covers expenses 60 days before hospitalization and 180 days after hospital discharge.
• Cashless coverage for hospital admission costs at network hospitals.
• Medical costs related to organ donor’s treatment are also covered.
• Coverage of day care treatment costs such as dental, ENT and others.
• In case of hospital admission, the insured under the gold plan get access to shared room and single private room, if under the platinum plan.
• Get coverage for AYUSH treatment costs.
• Extensive coverage of modern hospitalization treatments such as surgeries like chemotherapy, deep-brain stimulation, robotic surgeries etc.
• Under the gold plan, the insured get coverage of INR 2,000 for road ambulance and INR 2,50,000 for air ambulance.
• In case of claim free year, the insured gets a bonus of 10% of expiring sum insured. This is like a reward that the insured receives for not claiming on his health insurance.
• Provides reassure benefit under the platinum plan, where the sum insured is reinstated post the first claim so that the insured is never short of cover. This reinstatement is unlimited in a policy year, irrespective of the number of claims settled.
• The co-pay option of 50% is compulsory in this plan. In co-pay, while making a claim, the insured has to bear a certain percentage of the amount that he or she agreed upon, irrespective of the claim amount.

Optional Features:

• With this policy, the insured has the optional benefit to reduce co-payment from 50% to 0%, 20%, 30% or 40%.
• The insured can also choose an annual deductible option to enjoy co-payment free health cover. Deductible means when the agreed amount is borne by the insured on the hospital admission, and if the total expense amount is more than this agreed amount, then the difference is borne by the insurance company.

Eligibility For Niva Bupa Senior First Policy

• Entry age is 61 to 75 years
• One or two adults (self and spouse) are covered

Niva Bupa Money Saver Plan

This policy is a combination of base and a top-up plan, aims to provide much wider coverage and more benefits. The plan has a coverage type of both individual and family floater. The sum insured amount ranges from INR 10.5 lakhs to INR 1 crore and the yearly premium starts from INR 8,181. Let’s have a look at the features of this plan:

Key Features:

• Coverage includes hospital accommodations up to a single private room without any room rent limit.
• Covers hospitalization expenses 30 days before and 60 days post-discharge.
• Coverage for the medical treatment taken at home.
• Cashless coverage for hospital admission costs at network hospitals.
• Medical costs subjected to organ donor’s treatment is also covered.
• Coverage of day care treatment costs such as dental, ENT and others.
• The accumulated bonus amount will not be reduced, even if the insured had applied for claims.
• Hospital cash coverage up to INR 2,000 on an everyday basis.
• Insured can avail cashless health check-ups.

Optional Features:

• The insured can opt for personal accident and critical illness cover.
• Get a one-time payment every day for 24 hours of hospitalization along with the in-patient treatment benefits.

Eligibility For Niva Bupa Money Saver Plan

• Minimum age is 3 months and maximum age is 65 years
• Covers up to six members of the family, including two adults and four children

Niva Bupa Health Pulse Policy

It is designed as a low cost health insurance plan, where the insured gets coverage from INR 3 lakh to INR 25 lakh. The yearly premium of this policy is INR 8,339. The policy comes in two variants: Classic and Enhanced. Let’s have a look on the features of this Health Pulse policy:

Key Features:

• Includes cashless coverage for hospitalization costs.
• Covers treatment of 30 days before hospitalization and 60 days after discharge.
• Coverage for the ambulance expenses up to INR 1,500 under the classic plan and up to Rs 2,000
  under enhanced plan.
• Addition of 10% in expiring sum insured in a policy year; maximum up to 100%, in a claim free
  year.
• Provides free health check-up for insured and their spouse annually from the second policy year
  onward.
• Coverage of modern treatments up to the sum insured with sub-limit of INR 1 lakh on few robotic
  surgeries
• Covers mental disorders treatment up to the sum insured amount with sub- limit on some
  disorders.
• Covers expenses related to HIV or AIDS treatment of 10% of the sum insured up to a maximum
  of INR 50,000.
• Coverage for treatment under day care (treatments that do not need 24-hour hospitalization) and
  AYUSH.

Optional Features:

• Avail personal accident cover, equal to 5 times of base sum insured and goes maximum up to
  INR 50 lakh.
• Avail critical illness cover, equal to base sum insured and goes maximum up to INR 10 lakh
• Unlimited telephonic or online consultation.
• Option to add up to 150% of the sum insured amount under enhanced refill benefit.
• Avail hospital cash up to the maximum limit of INR 2,000 per day.

Niva Bupa Accident Care Policy

This is a personal accident insurance plan which comes in the option of individual and family floater. The sum insured coverage amount ranges from INR 5 lakh to INR 2 crore. The yearly premium for this plan starts from INR 6,444. The policy tenure of the policy is one and two years. Let’s have a look at the features of Accident Care policy:

Key Features:

• In the case of accidental death, the family of the insured will receive 100% of the sum insured.
• In the case of permanent total disability, the insured will receive 125% of the sum insured.
• If the insured faces the permanent partial disability, then the coverage is 100% of the sum insured.
• If the insured faces temporary disability, then the coverage is 1% of the sum insured, which the insured will receive every week till the completion of 100 weeks.
• In the case of accidental death and permanent disability, the child of the insured gets up to INR 5 lakh.
• Funeral expenses are covered up to INR 50,000.

Optional Features:

• The accidental hospitalization limit can be increased up to 2% of the sum insured amount, which would cover surgical operations, nursing care, room rent, diagnostic procedures, anesthetics fee and prosthetic implants.
• Emergency ambulance cover can be increased up to INR 2,000 per claim.

Eligibility For Niva Bupa Accident Care Policy

• Individuals aged between 18 years to 65 years are eligible.
• Children aged between 5 years to 21 years are covered.
• Total four members of the family including two adults and two children are covered.

Niva Bupa Criticare Policy

This is a health insurance plan that provides coverage for 20 major critical illnesses such as heart attack, cancer or paralysis and many more. The sum insured cover starts from INR 3 lakh to INR 2 crore with a yearly premium of INR 12, 521. Let’s know about all the features of Criticare plan in detail:

Key Features:

• Policy provides coverage for 20 major critical illnesses such as cancer, heart attack or stroke, coma, major burns, paralysis of limbs, kidney failure, bone marrow transplant, end- stage liver or lung disease and others.
• If the policy is taken for a long tenure of two or three years, then insured gets a discount on the second- and third-year’s premium.

Eligibility For Niva Bupa Criticare Policy

• Maximum age for adults is 65 years.
• Minimum age for adults is 18 years.
• Up to two adults are covered in the plan.

Niva Bupa Corona Kavach Policy

This policy is designed to protect the insured and their family members from Covid-19. The sum insured cover ranges from INR 50,000 to INR 5 lakh and the yearly premium starts from INR 1,000. The tenure of the policy is 3.5 months, 6.5 months and 9.5 months.

Key Features:

• Covered up to a single private room with no limit on room rent.
• Covers expenses of 15 days before hospitalization and 30 days post- hospitalization.
• Covers expenses related to Covid-19 hospitalization up to the sum insured amount.
• Treatment under AYUSH is also covered.
• Costs related to home care treatment are covered on the positive diagnosis of Covid-19.
• This is the first time, when the insured receives a digital copy of the policy.

Optional Features:

• The insured gets 0.5% of the sum insured as daily cash per day for 15 days.

Eligibility of Niva Bupa Corona Kavach Policy

• Minimum age of 18 years and maximum age of 65 years in adults.
• Dependent children till the age of 25 years are covered.
• Total number of six members including two adults and four children are covered

Niva Bupa Saral Suraksha Bima Policy

It is a standard and very basic plan that is designed to provide coverage against accidents. It has both individual and family floater options. The cover range starts from INR 2.5 lakh and goes till INR 1 crore. The yearly premium starts from INR 296 only. Let’s have a look at the features of this policy.

Key Features:

• In case of accidental death, the family members of the insured are entitled to receive 100% of the sum insured.
• In case of permanent partial disablement, the insured receives 50% of the sum insured.
• In case of the permanent total disablement, the insured receives 100% of the sum insured.
• The insured gets a benefit of cumulative bonus, which means, addition of 5% in the sum insured in every claim free year. The maximum addition goes up to 50% of the sum insured.

Optional Features:

• In case of accidental death or permanent disability of the insured, then 10% of the sum Insured is payable to all the dependent children under 18 years.
• In case of the hospitalization due to an accident, the insured gets the coverage of 10% of the sum insured to cover hospitalization expenses such as ICU costs, room related costs, ambulance costs up to INR 2000, dental treatment, plastic surgery and day care treatments costs are also covered.

Niva Bupa Aarogya Sanjeevani Health Policy

Aarogya Sanjeevani policy is a basic kind of a health insurance policy for individuals and families that covers standard hospitalization-related costs up to INR 5 lakh, and the cost related to Covid-19. Let’s have a look at all the featured of this plan:

Key Features:

• Cashless hospitalization coverage up to INR 5 lakh.
• Covers treatment of 30 days before hospitalization and 60 days after discharge.
• Provides 5% sum insured as bonus in every claim free year.
• Coverage for treatment under day care (treatments that do not need 24-hour hospitalization) and AYUSH.
• Room rent limit is covered up to 2% of the sum insured subject to a maximum of Rs.5,000 per day.
• Ambulance charges up to Rs.2,000 per hospitalization is also covered on.
• 5% copay on all claims.

• In-patient hospitalization
• Pre- and post-hospitalization care
• Hospital daily cash
• Day care procedures
• Ambulance charges
• Critical illness and personal accident cover
• Health check-ups
• AYUSH benefits
• Covid-19 coverage

• Dental treatment
• Any purchase of external devices like spectacles, hearing aid, artificial limbs or artificial teeth
• Self-inflicted injuries
• Any type of cosmetic surgery such as plastic surgery or botox
• Accidental injury caused in defense operations
• Treatment of obesity
• Hospital admission due to alcohol and drug abuse

• To buy policies from Niva Bupa, you first have to visit their official website and log in via submitting your details if you are a new user.
• Select the kind of plan you are looking to buy in the health insurance category and then choose “buy this policy”.
• Calculate premium by clicking the tab “tools and calculators” and choose the best plan.
• Once you are sure you want to buy a particular plan, fill in the required details of your personal information.
• Now, proceed to buy the policy online. Premium can be paid online via credit/debit card or e-wallets, net banking among others.

The policyholder can consider the below mentioned top key factors that help consumers decide whether they want to opt for a specific health policy.

• Network of Hospitals: It is always better to check if the insurance company has a decent list of network hospitals. The Niva Bupa has a network of more than 8,600 cashless hospitals
• Sub-Limits: A health policy that does not have any sub-limits on hospital room rent or co-payment clause, is also an important factor while considering a health policy. Certain policies of the Niva Bupa involve co-payment rider.
• Waiting Period: This is also a very crucial parameter, as insured will not be able to activate the policy if the waiting period is not completed.
• Add-on Benefits: The Niva Bupa has a huge range of optional benefits such as international coverage, maternity coverage, personal accident and critical illness covers, daily hospital cash, flexible sum assured option, cumulative bonus etc.
• Range of the Sum Insured: Buying a comprehensive sum insured health coverage for family is always beneficial. Having a wide range of the sum insured can be quite helpful in choosing a perfect health policy.
• Availability of New Age Features Like Mobile Apps: It  is a very crucial factor, which provides the utmost comfort to the policyholders. The Niva Bupa health app is quite user-friendly and allows its customers to manage their policy, book the doctor’s appointments, online consultations and much more by just clicking a tab.

The Niva Bupa health insurance enables its customers to file for claims in two ways:

• Cashless hospitalization
• Reimbursement claims

Cashless Hospitalization: The company claims to settle the cashless claims in 30 minutes with the process mentioned below:

• The insured needs to get admitted in one of the hospitals networked with the Niva Bupa.
• The health card of your policy needs to be shown at the hospital’s desk.
• The hospital will submit the claim settlement form to the company.
• If approved, then the company will directly settle the claim with the hospital.

Reimbursement Claims: The Niva Bupa claims to settle the reimbursement claim with the process mentioned below:

• Notify the company within two days of hospital admission. Incase of an emergency situation, notify the company within one day of hospitalization.
• Avail the best possible treatment and pay all the bills.
• Fill-up the required claim form to start the reimbursement process.
• Send this form to the company and attach all the original hospital invoices, diagnostic reports, discharge summary and all the treatment related documents.
• Once the invoices and bills are verified from the insurer, they send the approved claim amount directly to the insured’s registered bank account.

• Duly filled claim form with signature of applicant.
• Valid identity proof such as Aadhaar card, Voter ID, passport, PAN Card, and driving license.
• Prescription by a medical practitioner recommending hospitalization, tests and medicines.
• Original pharmacy bills, case papers and ambulance receipt.
• Insurance policy stating the name, address, illness and other details of the insured.

As we have already mentioned the online process of buying a policy, you can also buy or renew your policy by directly connecting with the company. Following are the details of their respective customer care: