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Premium
Hospital Accommodation
Sum Insured reinstatement
No claim bonus/ Loyalty Addition
Pre and post hospitalisation
Discounts
Modern treatment coverage
Maternity Benefit
Safeguard Feature
Health check-up
International Coverage
eConsultation
AYUSH
Travel Insurance
Product Brochure
Senior First
MOST POPULAR PLAN
Premium
Hospital Accommodation
Limited to Single Private Room*
Sum Insured reinstatement
When you make a claim, an additional ReAssure sum insured amount equal to 100% of base sum insured will be provided for each and every subsequent claim.*
No claim bonus/ Loyalty Addition
Sum Insured increases by 10% for every claim free year; upto 100% of sum insured*
Pre and post hospitalisation
60 days pre / 180 days post hospitalisation
Discounts
Family discount (Individual basis cover for 2 Adults) - 10%
Standing Instruction discount- 2.5% on renewal
Modern treatment coverage
Covered
Maternity Benefit
Not available
Safeguard Feature
Coverage for non-payable items (requires additional premium)
Health check-up
Covered from day 1 of policy*
International Coverage
Not available
eConsultation
Not available
AYUSH
Covered
Travel Insurance
Not available
REASSURE
MOST POPULAR PLAN
Premium
Hospital Accommodation
All room types covered (including suite and above categories)
Sum Insured reinstatement
When you make a claim, an additional ReAssure sum insured amount equal to 100% of base sum insured will be provided for each and every subsequent claim.
No claim bonus/ Loyalty Addition
Sum Insured increases by 50% for every claim free year; upto 100% of base sum insured*
Pre and post hospitalisation
60 days pre / 180 days post hospitalisation
Discounts
Direct sales discount 5%, Medical professional discount 5%
Standing Instruction discount- 2.5% on
Renewal, Discount based on health points up to 30%
Family discount (Individual basis cover)- 10%"
Modern treatment coverage
Covered
Maternity Benefit
Not available
Safeguard Feature
Coverage for non-payable items (requires additional premium)
Health check-up
Covered from day 1 of policy*
International Coverage
Not available
eConsultation
Second Medical Opinion available
AYUSH
Covered
Travel Insurance
Not available
Money Saver
AFFORDABLE PLAN
Premium
Hospital Accommodation
Limited to single private room*
Sum Insured reinstatement
When you make a claim, an additional re-fill sum insured amount will be provided (up to 100% of base sum insured, applicable only for a different ailment or different insured member)*
No claim bonus/ Loyalty Addition
Sum Insured increases by Rs. 1 Lac for every claim free year; upto Rs. 5 Lac*
Pre and post hospitalisation
30 days pre / 60 days post hospitalisation*
Discounts
12% discount on buying online (limited to Health recharge premium)
Modern treatment coverage
Covered
Maternity Benefit
Not available
Safeguard Feature
Not available
Health check-up
Covered from second policy year onwards (fixed set of tests)
International Coverage
Not available
eConsultation
Unlimited tele / online consultations
AYUSH
Covered
Travel Insurance
Not Available
Health Companion
COMPREHENSIVE PLAN
Premium
Hospital Accommodation
All room types covered (excluding suite and above categories)
Sum Insured reinstatement
When you make a claim, an additional re-fill sum insured amount will be provided (up to 100% of base sum insured, applicable only for a different ailment or different insured member)
No claim bonus/ Loyalty Addition
Sum Insured increases by 20% for every claim free year; upto 100% of sum insured*
Pre and post hospitalisation
30 days pre / 60 days post hospitalisation
Discounts
Tenure discount: 7.5% discount on two year policy
Modern treatment coverage
Covered
Maternity Benefit
Not available
Safeguard Feature
Coverage for non-payable items (requires additional premium)
Health check-up
Covered from second policy year onwards (fixed set of tests)
International Coverage
Not available
eConsultation
Not available
Ayush
Covered
Travel Insurance
Not available
Health Recharge
TOP-UP PLAN
Premium
Hospital Accommodation
Limited to Single private room*
Sum Insured reinstatement
Not available
No claim bonus/ Loyalty Addition
For SI > 25 Lac: Not available
For SI <= 25 Lac: Sum insured increases by 10% every policy year; upto 50% of sum insured
Pre and post hospitalisation
60 days pre / 90 days post hospitalisation
Discounts
12% discount on buying online
Modern treatment coverage
Covered
Maternity Benefit
Not available
Safeguard Feature
Not available
Health check-up
Not available
International Coverage
Not available
eConsultation
Unlimited tele / online consultations
AYUSH
Covered
Travel Insurance
Not available
Health Premia
PREMIUM PLAN
Premium
Hospital Accommodation
All room types covered (including suite and above categories)*
Sum Insured reinstatement
When you make a claim, an additional re-fill sum insured amount will be provided (up to 100% of base sum insured)
No claim bonus/ Loyalty Addition
Sum insured increases by 10% every policy year; upto 100% of sum insured*
Pre and post hospitalisation
90 days pre / 180 days post hospitalisation
Discounts
Tenure based discount, 7.5% for two year and 15% for three year policy
Modern treatment coverage
Covered
Maternity Benefit
Benefit for up to two deliveries, only if you and your spouse have been insured under the policy for two continuous years
Safeguard Feature
Not available
Health check-up
Covered from day 1 of policy*
International Coverage
International coverage for Emergency hospitalization with Gold and Platinum plan.
International coverage for specified illness with the Platinum Plan
eConsultation
Unlimited tele / online consultations
AYUSH
Covered
Travel Insurance
Inbuilt travel Insurance with Gold and Platinum Plan
Why Buy Health Insurance Plan from Niva Bupa?
With a total of more than 7 million lives covered, Niva Bupa is among the industry leaders due to its diverse range of health insurance plans to suit every individual’s needs. Each plan is customized to suit different families, and ultimately all safeguard your hard-earned income from being extinguished in hefty medical bills.
Here are the following reasons why you should choose Niva Bupa as your health insurance provider.
A robust Digital Ecosystem centred around you
Access to a network beyond just Hospitals
A 30 min Cashless Claim at the core of our brand promise
No third party agents! Direct claim settlement