Get Addional Coverage on below mentioned benefits:

• In case of Death, Permanent Partial or Permanent Total Disability due to an accident.
• Hospitalisation expenses incurred due to an accident (minimum 24 hours).
• Road ambulance to reach the hospital post the accident.

With Niva Bupa you have the freedom to secure your health as you want. ‘Safeguard’ lets you go even further with benefits like:

• Claim on otherwise non-payable items in case of hospitalisation.
• No impact on your Booster benefit (No Claim Bonus) if claims in a policy year are up to Rs. 50,000.
• Increase in your Base Sum Insured on a cumulative basis each policy year, based on inflation rate.

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+: All Non-payables covered (as per list I,II,III, IV of non-payable items)
• No Claim Bonus Safeguard+: No impact on No Claim Bonus if claims in a year are up to INR 1,00,000
• Sum Insured Safeguard+: Inflation linked Increase in your base sum insured on a cumulative basis each policy year

Benefits for Variant 2022:

• No Room Rent Capping. Covered up to Sum Insured
• Improved Refill benefit. Now for same illness and same person.
• Improved Annual Health Check-up benefit. Now available from Day 1

• At the time of Claim, chosen Deductible Amount will be paid by you & rest we will pay.
• Same Plan, Same Features, Less Premium.

Upgrade to Bronze+ and enhance your coverage with benefits like:

• Unlimited refill of base sum insured, for same or different illess. Triggers after 1st claim is paid
• Get unutilized Base Sum Insured carried forward to the next policy year, maximum up to 3 times
• Live Healthy Benefits - get up to 30% discount on renewal premium basis step count
• No Capping on Room Rent with Hospitalization for 2 hours or more are covered

Upgrade to Platinum+ and enhance your coverage with benefits like:

• Lock The Clock: Pay Premium for the age at which you upgrade, until a claim is paid
• Booster+: Carry forward your unutilised base sum insured up to 5 times

Upgrade to Titanium+ and enhance your coverage with benefits like:

• Lock The Clock: Pay premium as per your entry age, until a claim is paid
• Booster+: Carry forward your unutilised base sum insured up to 10 times

• At the time of Claim, chosen Deductible Amount will be paid by you & rest we will pay.
• Same Plan, Same Features, Less Premium.

• At the time of Claim, chosen Deductible Amount will be paid by you & rest we will pay.
• Same Plan, Same Features, Less Premium.

• At the time of Claim, chosen Copay Amount will be paid by you & rest we will pay.
• Same Plan, Same Features, Less Premium.

• Global Access: Get treatment anywhere in the world, up to your sum insured.
• Flexible Co-Payment: Choose from 0%, 20%, 30%, 40%, or 50% options to fit your budget.
• Travel with Confidence: Enjoy reliable medical support from day 1.

• Earn Cashback: Accumulate cashback for every claim-free year.
• Smart Spending: Use your cashback to pay for premiums, deductibles, co-payments, or outpatient expenses.
• Renewal Rewards: Get 10% back on your first renewal and 5% on each subsequent renewal.

• Comprehensive Coverage: Access teleconsultations, physical visits, diagnostics, pharmacy benefits, and gym memberships.
• Unlimited Wellness: Enjoy fitness, diet, and nutrition sessions without limits.
• Emotional Support: Avail 10 cashless sessions for emotional wellness.

• Increased Coverage: Combine multi-year coverage for a higher sum insured.
• Instant Cover: Use your coverage from day one without delays.
• Future-Proofed Health: Enjoy peace of mind with immediate protection.

• Unified Waiting Periods: All waiting periods apply at the policy level.
• Family Coverage: Ensure your future spouse is covered from day one, with no extra waiting.
• Easy Additions: Add family members without concerns about pre-existing conditions.

• Opt for Tiered Network to avail a 15% discount on the premium. If treatment taken outside this network a 20% copayment will be applicable.