• In-Patient Care (Hospitalisation)

Hospitalisation for 2 hours or more are covered (24 hours for AYUSH treatments). The coverage includes medical expenses incurred for medical treatment during hospitalization, including room rent coverage (with no capping), medical practitioners’ fees, investigative tests, medicines, OT charges and many more.

• Home Care/Domiciliary

Get the convenience of getting treated at home if you are unable to go to a hospital. Covered up to Sum insured.

• Modern Treatments

There are always advancements being made in the medical world. You get the freedom to choose the treatment that works for you. Modern treatments like deep brain simulation, oral chemotherapy, robotic surgeries and many more. Covered up to Sum insured (with sub-limits on few conditions.

• Pre & Post Hospitalisation Medical Expenses

Get Pre and post hospitalisation expenses are covered up to the sum insured, 60 days prior and 180 days post hospitalisation.

• Organ Donor

In case of an organ transplant, the medical expenses for the organ donor’s in-patient treatment for the harvesting of the organ donated are covered under this plan.

You also get coverage in case you decide to donate an organ to someone in need. Your expenses for donating an organ will be covered.

• Emergency Ambulance

Be it road or air ambulance, you are always covered!

• Booster+

Don’t lose what you don’t use! Carry forward your unutilised sum insured to the next policy year with maximum accumulation up to 10 times of base sum insured.

• ReAssure+

Lock the Clock: Pay premiums as per the age when you first buy the policy, till a claim is paid.

ReAssure Forever: ReAssure triggers after the first paid claim in the life of the policy, and stays on Forever.

• ReAssureX

ReAssure Forever: ReAssure triggers after the first paid claim in the life of the policy, and stays on Forever.

Note: Either ReAssure+ or ReAssureX would be available as per variant opted.

• Shared Accommodation Cash Benefit

Hospitalization can sometimes lead to occupying a shared room accommodation. In this case, we provide coverage for you by paying a daily cash amount.

• Health Check-up

Get annual health check-up benefit from Day 1 of your policy year, so you are always one step ahead in taking care of your health.

• Second Medical Opinion

Choose the right treatment for you. You get the benefit of a second medical opinion once for any condition for which hospitalization is triggered, so you can choose what is right for your health.

• Live Healthy Benefit

Get rewarded for staying healthy! Get up to 30% discount on renewal premium by just counting the steps you take every day using the Niva Bupa Health App.

• E-consultations

Get the convenience of getting consultations at your own comfort. Unlimited e-consultations within our network.

Optional Benefits

• Personal Accident Cover (Optional)

Through this optional cover, a lump sum pay-out is offered in case of accidental death, total, or partial permanent disability. This cover can be opted for by any member of your family who is over the age of 18 years.

• Hospital Cash (Optional)

You get an additional pay-out to cover miscellaneous expenses that you may incur during hospitalisation, provided there has been a minimum period of 48 hours of continuous hospitalisation.

• Safeguard (Optional)

Safeguard benefit gives you the freedom to go beyond and to secure your health and finances even further, by letting you control different aspects of your policy, such as:

• Claim Safeguard lets you claim on otherwise non-payable items up to the Sum Insured in case of hospitalization, like gloves and more (as per list I of non-payable items)
• Booster+ Benefit Safeguard Get your entire base sum insured carried forward to the next policy year if total claim amount during the year is less than Rs. 50,000.
• Sum Insured Safeguard increases the base sum insured on a cumulative basis each policy year on the basis of inflation rate in previous year.

• Safeguard+ (Optional)

Safeguard benefit gives you the freedom to go beyond and to secure your health and finances even further, by letting you control different aspects of your policy, such as:

• Claim Safeguard+ lets you claim on otherwise non-payable items up to the Sum Insured in case of hospitalization, like gloves and more (as per list I,II,III, IV of non-payable items)
• Booster+ Benefit Safeguard+ Get your entire base sum insured carried forward to the next policy year if total claim amount during the year is less than Rs. 1,00,000.
• Sum Insured Safeguard+ increases the base sum insured on a cumulative basis each policy year on the basis of inflation rate in previous year.

• Standing Instruction Discount

By opting for the auto debit option at the time of purchase, you not only ensure timely and hassle-free renewals, but also get an additional 2.5% discount on premium

• Doctor Discount

We realise how important the contribution of the medical community is, and hence provide ReAssurance in the form of a 5% discount on premium if an Insured Person is a certified Medical Practitioner.

• Member Discount

Get an additional 10% discount if 2 or more people are covered in an individual policy.

• Tenure Discount

Each year that you let us take care of you, we reward the loyalty by making it that much more beneficial for you. Which means, that if you pay for a 2-year policy term, you get a discount of 7.5% on the premium of second policy year, and if you choose a 3-year policy term, you get an additional discount of 15% on the third year’s premium.

• Zonal Pricing

Premium will be based on your city of residence.

• Entry Age And Family Coverage

The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 30 years in a family floater policy. In an Individual cover, maximum up to 6 members (maximum of 4 adults and a maximum of 5 children) can be included in a single policy. Whereas, Family floater cover is available for maximum of 2 Adults and 4 children. Relationship allowed for adults is / are self, spouse, father, father in law, mother or mother in law.

• Tax Benefit

Income tax benefit* as per Section 80D of the Income Tax Act, 1961.

• Assured Policy Renewal For Life

Once insured with us, you will always remain our customers subject to continued payment of premium. We assure you renewability for life with no extra loadings based on your claim history.

• Direct Claim Settlement

We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our customer service team.

• Cashless Facility

Cashless Facility can be availed only at our Network Providers or Service Providers. Please contact us for more details.

• 15-Day Free Look Period

You get the freedom to change your decision of continuing with the policy within a period of 15 days (30 days if the policy with Policy Period as 3 years has been sold through distance marketing). For other cancellation clauses, please refer to the policy document on our website.

• Information At Your Fingertips

Get quick and easy access to your claims history, your health information, your health profile, including records of tests and other details on our website.

The policy term is one or two or three years

• Pre-existing disease waiting period of 36/48 months as per variant selected.
• Initial waiting period of 30 days unless the treatment needed is the result of an Accident.
• Specific waiting period of 24 months, since the inception of the first policy with us, for some listed illnesses, unless the condition is directly caused by Cancer (covered after Initial Waiting Period of 30 days) or an Accident (covered from day 1).