Key Features
                
                    Please refer the sales brochure for more details on T&Cs, inclusions & exclusions.
                    
                        
                    
                
             
            
                Return
                
                
                    Get 50% of your premium back, accumulate it, and earn 10% returns for life. No waiting periods or exclusions on this amount!
                
             
            
                Smart Cash
                
                    Get ₹5,000, if treatment taken in any Govt. hospital and not claimed under this policy.
                
             
            
                Digital Consultations
                
                    Access unlimited digital consultations with general physicians via Niva Bupa Mobile application.
                
             
            
                Cash-Bag
                
                    Accumulate cashback on every claim-free year. Pay for premiums, deductible, co-payment, and OPD.
                
             
            
                Flexi-Pay
                
                
                    Choose your own premium payment method: Flexible or One time.                    
                
                
                    - Option to enroll in the policy by paying a token amount.
 
                    - Pay a minimum monthly subscription to keep the policy active.
 
                    - Rest can be paid as per your comfort!
 
                    - Faster payment equals higher discounts.