userThe Niva Bupa Health Premia Plan is a comprehensive health insurance policy designed to cater to diverse healthcare needs, offering extensive coverage options for individuals and families. This plan is available in three variants: Silver, Gold, and Platinum, with sum insured options ranging from ₹5 lakh to ₹3 crore.
Key Features
- In-Patient Care: Covers medical expenses for hospitalization, including room rent, ICU charges, doctor’s fees, and more.
- Pre & Post Hospitalization: Medical expenses incurred 90 days before and 180 days after hospitalization are covered.
- Day-Care Treatment: Coverage for procedures that require less than 24 hours of hospitalization, such as certain dental and ENT treatments.
- Maternity & Newborn Coverage: Provides maternity benefits and covers the newborn from birth without additional premium.
- New-Age Treatment Coverage: Includes advanced treatments like laser-assisted and robotic surgeries.
- International Coverage: The Platinum variant offers global coverage, ensuring health protection even during international travel.
- Annual Health Check-Up: Avail health check-ups for diagnostic purposes from day one of the policy.
- Refill Benefit: If the base sum insured and loyalty additions are exhausted, an additional sum insured equal to the base amount is available for subsequent claims in the same year.
- Loyalty Additions: An increase of 10% of the expiring base sum insured every year, up to a maximum of 100%, regardless of claim history.
Add-On Features
- Personal Accident Cover: Financial protection against personal accidents.
- Critical Illness Cover: Coverage for illnesses like cancer and kidney failure, depending on the base sum insured.
- Hospital Cash: Provides daily cash for up to 30 days of hospitalization if admitted for more than 48 hours.
- Health Coach: Assistance in tracking health parameters and achieving health goals.
- Enhanced Geographical Coverage: International coverage extended to the USA and Canada for emergencies.
- Enhanced Loyalty Additions: Annual cumulative bonus of up to 200% of the expiring base sum insured.
Exclusions
Certain treatments and expenses are not covered under this plan. For a detailed list of exclusions, please refer to the policy documents.
For more detailed information or to purchase the Niva Bupa Health Premia Plan, you can visit the official website
If you have specific questions or need assistance in selecting the right plan, feel free to ask!
Rahul Khanna
