HDFC Niva Bupa Arogya Sanjeevani

Age

• 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 Benefits

• 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.

Waiting Period

• Pre-existing disease waiting period of 48 months since inception of the policy and subject to continuous renewal.
• Initial waiting period of 30 days unless the treatment needed is the result of an Accident.
• Specific waiting period of 24/48 months, since the inception of the first policy with us, for some conditions as specified in policy terms and conditions, unless the condition is directly caused by Accident (covered from day 1).

Specific Exclusions

• Investigation & Evaluation
• Rest Cure, rehabilitation and respite care
• Obesity/ Weight Control
• Change-of-Gender treatments
• Cosmetic or plastic Surgery
• Hazardous or Adventure sports
• Breach of law
• Excluded Providers
• Refractive Error
• Unproven Treatments
• Sterility and Infertility
• Maternity Expenses
• Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof
• Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
• Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure.
• Any expenses incurred on Domiciliary Hospitalization and OPD treatment
• Treatment taken outside the geographical limits of India.
• War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
• Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense.
• In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), policyholder is not entitled to get the coverage for specified ICD codes.

Copayment Deductibles

• 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.

Renewability and Coverage

• In-patient Care (Hospitalisation)
• Hospital Accommodation
• ICU/ ICCU charges are covered up to 5% of sum insured, subject to a maximum of Rs. 10,000 per day.
• The room rent, boarding, nursing expenses (as provided by the Hospital/ Nursing Home) limit under this policy is up to 2% of sum insured, subject to a maximum of Rs. 5,000 per day.
• Pre & Post Hospitalisation Medical Expenses\
• Day care treatments covered
• AYUSH Treatments
• Road Ambulance
• Cataract Treatment
• Modern Treatments
• Cumulative Bonus
• Assured Policy Renewal for Life
• Direct Claim Settlement
• Cashless Facility
• Free Look Period