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.
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.