Key Features
Please refer the sales brochure for more details on T&Cs, inclusions & exclusions.
In-patient Care (Hospitalisation)
We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.
Pre & Post Hospitalisation Medical Expenses
The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days from the date of discharge from the hospital. This is subject to Niva Bupa accepting the In-patient Care hospitalization.
Day care treatments covered
We will cover all the day care treatments under the product.
AYUSH Treatments
We will cover the medical expenses incurred on the insured person’s hospitalisation for Inpatient Care on treatment taken under Ayurveda, Yoga or Naturopathy, Unani, Siddha and Homeopathy.
Road Ambulance
We will also cover the ambulance expenses up to Rs. 2,000 per hospitalization only if we have accepted the In-patient claim.
Cataract Treatment
We will cover the expenses for a treatment of cataract, subject to a limit of 25% of sum insured or Rs. 40,000, whichever is lower, per eye in one policy year. A specific waiting period of 24 months would also be applicable for cataract treatment.
Modern Treatments
Specified treatments will be covered as in-patient or day care procedures up to a maximum of 50% of sum insured.
Co-payment
Each and every claim, which is payable according to the terms and conditions of the policy, will be subject to a co-payment of 5% on the claim amount.
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 3 months to 25 years. There is no exit age under this Policy.
Tax Benefit
Save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.
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.