Niva Bupa Health Insurance Review – Forbes Advisor INDIA

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Niva Bupa ReAssure Health Policy

This policy comes with an option of individual and a family floater plan that covers as much as 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 advantages and discounts reminiscent of coverage of recent treatments, booster rider and reassure advantages. Let’s see all of the features of this policy in an in depth manner:

Key Features:

  • Covers hospitalization costs reminiscent of doctor’s fees, room rent coverage with no limit, operation theater (OT) charges and plenty of more.
  • Extensive coverage of recent hospitalization treatments reminiscent of surgeries like chemotherapy, deep-brain stimulation, robotic surgeries etc.
  • The insured gets a bonus of booster profit, where 50% of the sum insured amount is increased in a claim free yr.
  • Provides Reassure profit, where the sum insured is reinstated post the primary claim in order that the insured isn’t wanting cover. This reinstatement is unlimited in a policy yr, regardless of the variety of claims settled.
  • Coverage for AYUSH treatments reminiscent of ayurvedic and homeopathic treatment.
  • Insured gets a further premium discount of as much as 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 as much as the sum insured amount and canopy of INR 2.5 lakh is provided within the case of reimbursement claim.

Eligibility for Niva Bupa ReAssure Health Policy

  • Minimum age is eighteen years and the utmost age is 65 years.
  • Total six members of a family including adults and kids are covered.

Niva Bupa Health Companion Policy

This policy has three variants – Variant 1, Variant 2 and Variant 3. It comes with a big selection 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 take a look at the advantages of the policy:

Key Features:

  • Cover expenses of 30 days before hospitalization and 60 days post hospital discharge.
  • The policyholder can go 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 on the time of policy renewal for every claim free yr, this coverage can go maximum as much as 100%.
  • Provides coverage for the AYUSH related treatments.
  • Provides hospital money profit, where the insured gets a each day money starting from INR 1,000 to INR 4,000.
  • The policy covers the ambulance costs as much as INR 3,000.

Eligibility of Niva Bupa Health Companion Policy

  • Minimum age for adults is eighteen years and for kids is 91 days.
  • No restriction on the utmost age limit for adults and for kids is 21 years.
  • Total 19 members are covered within the family.

Niva Bupa Go Lively Health Policy

This plan comes with an option of each 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 go 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 yr.
  • Free health check-ups could be availed from the day certainly one of the policy.
  • Avail a lifetime discount of 10% on the bottom premium, if insured buys the policy before 35 years

Optional Features:

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

Eligibility

  • Minimum age for adults is eighteen years and maximum age is 65 years.
  • Minimum age for kids is 91 days and maximum age is 21 years.
  • Total six members are covered within the family.

Niva Bupa Health Premia Policy

This health policy is available in three variants reminiscent of 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 discover 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 reminiscent of dental, ENT and others.
  • Inbuilt travel insurance which incorporates coverage related to lack 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 recent age diseases like laser or robotic surgeries and more.
  • All policyholders are covered for maternity costs and should not required to pay additional premium to cover their newborn until the primary policy yr. Maternity coverage for various plans is as follows:

1. Silver Plan- Coverage as much as INR 60,000 per person

2. Gold Plan- Coverage as much as INR 1,00,000 per person

3.Platinum Plan- Coverage as much as INR 2,00,000 per person (worldwide)

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

1. Silver Plan- Coverage as much as INR 1,875 per person

2. Gold Plan- Coverage as much as INR 7,500 per person

3. Platinum Plan- Coverage as much as INR 10,000 per person

Optional Features:

  • Hospital money coverage as much as 30 days of hospitalization, if the insured is admitted for greater than two days.
  • Add-on coverage of private accident and demanding illness.
  • The insured can avail insurance even within the U.S. and Canada.
  • Option to extend the sum insured by 20% per yr with a maximum limit as much as 200% of expiring base sum insured, regardless of variety of claims settled.

Eligibility of Niva Bupa Health Primea Policy

  • There isn’t any age limit on minimum and maximum entry age
  • Total variety of 19 members within the family could be covered

Niva Bupa Heartbeat Policy

This policy provides the choice of each individual and family floater plans. It has two forms of plan- Gold and Platinum.. The sum insured amount ranges from INR 5 lakh to INR 1 crore and the associated fee of yearly premium starts from INR 16,414. Let’s discover 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 can also be covered
  • Coverage of day care treatment costs reminiscent of dental, ENT and others.
  • In case of hospital admission, the insured can select the room which is roofed as much as the sum insured amount.
  • The policyholder of platinum plan can avail insurance even after they are traveling abroad.
  • All policyholders are covered for maternity costs and should not required to pay additional premium to cover their newborn until the primary policy yr. Maternity Coverage for various plans is as follows:

1. Gold Plan- Coverage as much as INR 1,00,000 per person

2. Platinum Plan- Coverage as much as INR 2,00,000 per person (worldwide)

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

1. Gold Plan- Coverage as much as INR 2,500 per person

2. Platinum Plan- Coverage as much as INR 5,000 per person

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

Optional Features:

  • The insured is entitled to receive each day hospital money of INR 3000 per day under gold plan and INR 6000 per day under platinum plan.
  • Add-on coverage of private accidents and demanding illness.
  • Premium for next yr can be waived, in case the insured passes away or is diagnosed with a specified illness in the course of the policy tenure.
  • The insured can avail insurance even within the U.S. and Canada.

Eligibility of Niva Bupa Heartbeat Policy

  • There isn’t any age limit on minimum and maximum entry age.

 Niva Bupa Senior First Health Policy

This plan is designed to offer health coverage for senior residents, aged above 60 years. The plan is available 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 take a look at 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 reminiscent of 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 recent hospitalization treatments reminiscent of 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 yr, the insured gets a bonus of 10% of expiring sum insured. This is sort of a reward that the insured receives for not claiming on his medical insurance.
  • Provides reassure profit under the platinum plan, where the sum insured is reinstated post the primary claim in order that the insured isn’t wanting cover. This reinstatement is unlimited in a policy yr, regardless of the variety of claims settled.
  • The co-pay option of fifty% is compulsory on this plan. In co-pay, while making a claim, the insured has to bear a certain percentage of the quantity that she or he agreed upon, regardless of the claim amount.

Optional Features:

  • With this policy, the insured has the optional profit to cut back co-payment from 50% to 0%, 20%, 30% or 40%.
  • The insured also can select an annual deductible choice 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 full expense amount is greater 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 mix of base and a top-up plan, goals to offer much wider coverage and more advantages. The plan has a coverage style of each 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 take a look at the features of this plan:

Key Features

  • Coverage includes hospital accommodations as much as a single private room with none 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 can also be covered.
  • Coverage of day care treatment costs reminiscent of dental, ENT and others.
  • The gathered bonus amount is not going to be reduced, even when the insured had applied for claims.
  • Hospital money coverage as much as INR 2,000 on an on a regular basis basis.
  • Insured can avail cashless health check-ups.

Optional Features:

  • The insured can opt for private accident and demanding illness cover.
  • Get a one-time payment daily for twenty-four hours of hospitalization together with the in-patient treatment advantages.

Eligibility For Niva Bupa Money Saver Plan

  • Minimum age is 3 months and maximum age is 65 years
  • Covers as much as six family members, including two adults and 4 children

Niva Bupa Health Pulse Policy

It’s designed as a low price medical 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 is available in two variants: Classic and Enhanced. Let’s take 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 as much as INR 1,500 under the classic plan and as much as Rs 2,000 under enhanced plan.
  • Addition of 10% in expiring sum insured in a policy yr; maximum as much as 100%, in a claim free yr.
  • Provides free health check-up for insured and their spouse annually from the second policy yr onward.
  • Coverage of recent treatments as much as the sum insured with sub-limit of INR 1 lakh on few robotic surgeries
  • Covers mental disorders treatment as much as the sum insured amount with sub- limit on some disorders.
  • Covers expenses related to HIV or AIDS treatment of 10% of the sum insured as much as a maximum of INR 50,000.
  • Coverage for treatment under day care (treatments that don’t need 24-hour hospitalization) and AYUSH.

Optional Features:

  • Avail personal accident cover, equal to five times of base sum insured and goes maximum as much as INR 50 lakh.
  • Avail critical illness cover, equal to base sum insured and goes maximum as much as INR 10 lakh
  • Unlimited telephonic or online consultation.
  • Option so as to add as much as 150% of the sum insured amount under enhanced refill profit.
  • Avail hospital money as much as the utmost limit of INR 2,000 per day.

Niva Bupa Accident Care Policy

It is a personal accident insurance plan which is available in the choice 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 take a look at the features of Accident Care policy:

Key Features:

  • Within the case of accidental death, the family of the insured will receive 100% of the sum insured.
  • Within the case of everlasting total disability, the insured will receive 125% of the sum insured.
  • If the insured faces the everlasting 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.
  • Within the case of accidental death and everlasting disability, the kid of the insured gets as much as INR 5 lakh.
  • Funeral expenses are covered as much as INR 50,000.

Optional Features:

  • The accidental hospitalization limit could be increased as much as 2% of the sum insured amount, which might cover surgical operations, nursing care, room rent, diagnostic procedures, anesthetics fee and prosthetic implants.
  • Emergency ambulance cover could be increased as much as 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 4 family members including two adults and two children are covered.

Niva Bupa Criticare Policy

It is a medical insurance plan that gives coverage for 20 major critical illnesses reminiscent of heart attack, cancer or paralysis and plenty of more. The sum insured cover starts from INR 3 lakh to INR 2 crore with a yearly premium of INR 12, 521. Let’s learn about all of the features of Criticare plan intimately:

Key Features:

  • Policy provides coverage for 20 major critical illnesses reminiscent of 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 protracted tenure of two or three years, then insured gets a reduction 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 eighteen years.
  • As much as two adults are covered within the plan.

Niva Bupa Corona Kavach Policy

This policy is designed to guard the insured and their relations 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 as much as 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 as much as the sum insured amount.
  • Treatment under AYUSH can also be covered.
  • Costs related to home care treatment are covered on the positive diagnosis of Covid-19.
  • That is the primary time, when the insured receives a digital copy of the policy.

Optional Features:

  • The insured gets 0.5% of the sum insured as each day money 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 variety of six members including two adults and 4 children are covered

Niva Bupa Saral Suraksha Bima Policy

It’s a normal and really basic plan that’s designed to offer coverage against accidents. It has each individual and family floater options. The quilt 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 take a look at the features of this policy.

Key Features:

  • In case of accidental death, the relations of the insured are entitled to receive 100% of the sum insured.
  • In case of everlasting partial disablement, the insured receives 50% of the sum insured.
  • In case of the everlasting total disablement, the insured receives 100% of the sum insured.
  • The insured gets a advantage of cumulative bonus, which suggests, addition of 5% within the sum insured in every claim free yr. The utmost addition goes as much as 50% of the sum insured.

Optional Features:

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

Niva Bupa Aarogya Sanjeevani Health Policy

Aarogya Sanjeevani policy is a basic form of a medical insurance policy for people and families that covers standard hospitalization-related costs as much as INR 5 lakh, and the associated fee related to Covid-19. Let’s have a take a look at all of the featured of this plan:

Key Features:

  • Cashless hospitalization coverage as much as 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 yr.
  • Coverage for treatment under day care (treatments that don’t need 24-hour hospitalization) and AYUSH.
  • Room rent limit is roofed as much as 2% of the sum insured subject to a maximum of Rs.5,000 per day.
  • Ambulance charges as much as Rs.2,000 per hospitalization can also be covered on.
  • 5% copay on all claims.

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