Niva Bupa Health Premia

Age

• The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 30 years in a family floater policy.

Tax Benefits

• Save tax under Section 80D of the Income Tax Act when you buya 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 24 months since inception of the policy and continuous renewal. For Critical Illness cover, pre-existing disease waiting period would be 48 months along with a Survival Period exclusion of 30 days for all conditions.
• Initial waiting period of 30 days unless the treatment needed is the result of an Accident. For Critical Illness cover, initial waiting period would be 90 days.
• Specific waiting period of 12 months, since the inception of the first policy with us, for some listed illnesses, unless the condition is directly caused by Cancer (covered after Initial Waiting Period of 30 days) or an Accident (covered from day 1).
• For HIV / AIDS cover, there will be a waiting period of 48 months since inception of the Policy and subject to continuous renewal.

Hospital Benefits

• Hospital Cash (Optional)
• International coverage extension (Optional)
• Health Coach (Optional)
• Enhanced Geographical Scope for international coverage (Optional)
• Assured Policy Renewal for Life

Specific Exclusions

• Ancillary Hospital Charges
• Hazardous Activities
• Artificial life maintenance
• AYUSH Treatments
• Conflict & Disaster
• External Congenital Anomaly
• Convalescence & Rehabilitation
• Cosmetic or plastic Surgery
• Dental/oral treatment
• Eyesight & Optical Services
• Experimental or Unproven Treatment
• Hormone Replacement Therapy
• Hospitalization not justified
• Inconsistent, Irrelevant or Incidental Diagnostic procedures
• Non-Medical Expenses
• Obesity and Weight Control Programs
• Reproductive medicine & other Maternity Expenses
• Robotic Assisted Surgery, Specialized Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
• Sexually transmitted Infections & diseases
• Permanent Exclusions for Personal Accident Cover
• Generally Excluded Expenses
• Treatment received outside India

Copayment Deductibles

• There will be no co-payment if you choose Zone 1 coverage. If you chooseZone 2 coverage, you will be entitled for a premium discount but will have to bear a 20% co-payment for treatment in Mumbai (including Navi Mumbai and Thane), Delhi NCR, Kolkata & Gujarat state.

Renewability and Coverage

• In-patient Care (Hospitalisation)
• Hospital Accommodation
• Pre & Post Hospitalisation Medical Expenses
• Day care treatments covered
• Domiciliary Hospitalisation
• Alternative Treatments
• Organ Transplant
• Emergency Ambulance
• Unlimited tele / online consultations available under this product.
• Maternity Benefit
• Newborn Baby
• Health Checkup
• Refill Benefit
• Premium waiver
• Pharmacy and Diagnostic Services
• Loyalty Additions
• HIV / AIDS
• Emergency assistance services
• Mental Disorder Treatment
• Weight loss (Bariatric) surger
• Cyber knife/ Robotics surgery
• LASER surgery cover
• Second Medical Opinion
• Child Care Benefits
• Specified Illness Cover
• OPD Treatment and Diagnostic Services
• International coverage
• Personal Accident Cover (Optional)
• Critical Illness Cover (Optional)
• Enhanced Loyalty Additions (Optional)

Additional Benefits

• Direct Claim Settlement
• Cashless Facility
• Free Look Period