Money Saver
Protect your loved ones with a super top-up health insurance
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Discounted Premium
What you get
What you get
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Please click here to see premium illustration
Pre & Post Hospitalisation
We cover expenses 30 days before hospitalisation and 60 days post-discharge
e-Consultation
Avail e-consultation before undergoing a treatment for a diagnosed illness
Re-fill benefits
Get up to 100% of your base sum insured as refill
Alternative treatment
Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments
No Claim Bonus
Get 20% more sum insured on renewal for each claim free year
Day Care Treatment
Get coverage for procedures that don't need hospitalisation
Know what’s covered under Money Saver Insurance Plan
Simply search for your queries regarding the Money Saver Health Insurance plan or check out all the features listed below
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Although, is available in below product.
Available as an optional add-on
Hospitalisation
IN-PATIENT CARE (HOSPITALISATION)
+ -EMERGENCY AMBULANCE
+ -HOSPITAL ACCOMMODATION
+ -DOMICILIARY HOSPITALISATION
+ -PRE & POST HOSPITALISATION MEDICAL EXPENSES
+ -ANY AGE ENROLLMENT
+ -ALL DAY-CARE TREATMENT COVERED
+ -ORGAN TRANSPLANT
+ -
Standout Features
FREE LOOK PERIOD
+ -CASHLESS FACILITY
+ -REFILL BENEFIT
+ -RENEWAL FOR LIFE
+ -DIRECT CLAIM SETTLEMENT
+ -TAX BENEFIT
+ -ALTERNATIVE TREATMENTS
+ -Add-on Features
ANNUAL AGGREGATE DEDUCTIBLE
+ -Various Annual Aggregate Deductible options ranging from ₹ 10,000 to ₹ 10 lakh are available in the product
PERSONAL ACCIDENT COVER
+ -Secure your family’s finances against
personal accidents
HOSPITAL CASH
+ -Get a lump sum payment of ₹ 2,000/day for each 24 hours of hospitalization in addition to the in-patient treatment benefits. This benefit is in addition to the sum insured
ROOM RENT MODIFICATION
+ -Modify your room rent as given in the base plan up to the sum insured
CRITICAL ILLNESS COVER
+ -Get coverage against illnesses like cancer, kidney failure etc. depending on the base sum insured
TREATMENT ONLY IN TIERED NETWORK
+ -Available as a cost-sharing option upon renewal for customers who opted for this cost sharing earlier
EXCLUSIONS
PERMANENT EXCLUSIONS
+ -Obesity and weight control programs
Off- label drug or treatment
Puberty and menopause related disorders
Reproductive medicine & other maternity expenses
Robotic assisted surgery, light amplification by stimulated emission of radiation (LASER) & light-based treatment
Sexually transmitted infections & diseases
Sleep disorders
Substance related and addictive disorders:
Unlawful activity
Treatment received outside India
Unrecognised physician or hospital
Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure II of the Policy Document.
PERMANENT EXCLUSION FOR PERSONAL ACCIDENT COVER (if opted)
+ -We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:
a. Suicide or self-inflicted injury, whether the insured person is medically sane or insane.
b. Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
c. Service in the armed forces, or any police organisation, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
d. Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
e. Committing an assault, a criminal offence or any breach of law with criminal intent.
f. Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
g. Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorised by the relevant regulations to carry such passengers between established airports or ports.
h. Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting
i. Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.
PERMANENT EXCLUSION FOR CRITICAL ILLNESS COVER (if opted)
+ -We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the policy.
Behavioral, Neurodevelopment and Neurodegenerative Disorders
AYUSH Treatment
Conflict & disaster
External congenital anomaly
Cosmetic and reconstructive surgery
Experimental/ Investigational or Unproven Treatment
Hazardous Activities
HIV, AIDS, and related complex
Mental and psychiatric conditions
Reproductive medicine & other maternity expenses
Sexually transmitted infections & diseases
Substance related and addictive disorders
Traffic offences & unlawful activity
Unrecognised physician or hospital
Claim process
Select and approach insurance/corporate/TPA helpdesk of our network hospital [recommended at least 72 hours before treatment].
For identification purpose use passport, voter card, PAN card or driver's license along with your Niva Bupa health card or policy number.
Network hospital will check your identity for validation and submit a pre-authorisation form to us.
We provide our decision to the hospital within 4 hours, when no further document is required.
We may assign a relationship manager to make the hospitalisation simple for you.
Get admitted for treatment and sign all documents, forms and invoices on discharge.
We make payments to the hospital for pre-approved treatment and as per policy terms and conditions
Why choose Money Saver?
Doctors Speak
Live well with Niva Bupa
Check out what the doctors and the experts have to say about your health and health insurance
23 July 2020
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Picking the right health insurance for you
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23 July 2020
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Things to keep in mind while purchasing health insurance
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08 October 2020
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Everything you need to know about health insurance
Check out our blog to find out what the doctors and experts have to say on health insurance and healthy living.
Calculate Medical Expenses
Painless renewals
Assured plan renewal for life
Get up to 20% off on renewals for staying healthy
Get cashless health check annually
Assured policy renewal with no extra loading
HOW CAN I BUY THIS POLICY?
WHAT IS HEALTH COACH AND HOW WOULD I BE ELIGIBLE FOR DISCOUNTS UNDER THIS BENEFIT?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY?
MY WIFE AND CHILDREN ARE RESIDING AT CHANDIGARH WHILE I AM HERE IN DELHI. CAN I COVER ALL OF US IN ONE POLICY?
There are various ways in which you can purchase this policy:
Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.
Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.
Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website
Get the most value from Money Saver
The Niva Bupa Promise
Your everyday health partner
Hassle-free claims
Get admitted
Visit us at one of our hospitals
Use your health card
Identify yourself with your NivaBupa health card
Get validated
After validation your request will be sent directly to us
We Review
No third party involved!
Claim Settled
In as less as 30 minutes!
How Money Saver Works for you
Get a quote
Tell us a little about yourself and we’ll get you the right quote.
Download Resources
Money Saver
Brochure
Download the brochure to understand the Money Saver plan better
Money Saver Policy
Wordings
Find out all you need to know about the plan here
Money Saver
Claim Form
Download the form to make a hassle-free claim
Money Saver
Application Form
Download the form to avail the services of any of our network hospitals