Niva Bupa Health Premia Plan

The Health Premia plan from Niva Bupa offers numerous benefits and coverage options to the policyholder. But the major thing that pops into the head of the insured person is the key features of the Niva Bupa Health Premia plan that make it different from other plans.

Let’s take a look at them one by one:

Enhanced Geographical Cover:

By adding this add-on cover to your Niva Bupa Health Premia plan, you can easily obtain international coverage as well. If you require treatment outside the demographical location of India, you can enjoy healthcare coverage without any worry.

Maternity & New-Born Coverage:

The plan also offers maternity and newborn coverage without any requirement of additional premium from day 1 till the end of the policy year. Your baby easily gets covered under a newborn baby benefit from the start.

Plan Variants:

The Niva Bupa Health Premia plan offers three different variants of the plan according to the sum insured options. The three variants are namely, Silver, Gold, and Platinum. The Silver variant offers sum insured options from Rs. 5 lakhs to Rs. 7.5 lakhs, Gold offers options from Rs. 10 lakhs to Rs. 50 lakhs, and Platinum offers options from Rs. 1 crore to Rs. 3 crores.

Re-Fill Benefit:

You can avail re-fill benefit under the plan when your increased sum insured and base sum insured get exhausted during the policy year. For a subsequent claim in the same year, you are entitled to an extra sum insured equal to the base sum insured. This benefit is available for both similar and dissimilar illnesses.

Free Look Period:

In case you feel that Niva Bupa Health Premia plan is not right for you or it does not suit your needs, you have the option of discontinuing the plan. You will be provided 15 days within which you can easily cancel the policy.

Premium Waiver:

If the policyholder or the insured person passes away due to some circumstances or is diagnosed with any of the listed illnesses, the plan will give a free extension of 1 year.

Health Check-Up:

Any insured person can get a health checkup for diagnostic tests starting on the first day (including children). You can get a health exam on a cashless basis with the service provider of the company. You can select tests up to a sub-limit based on the plan you’ve chosen.

Loyalty Additions:

Regardless of your claim history, the plan will provide an increase of 10% of the exhausting base sum insured every year. This is subject to a maximum of 100% of the base sum insured.

Zonal Coverage:

Healthcare expenses vary across different cities in India. The plan provides zonal coverage to the policyholder including Zone 1 and Zone 2. If you require a flexible treatment option available anywhere in India, you should go for Zone 1 option. However, if your work across metro cities, then Zone 2 will provide coverage for treatment costs in Delhi-NCR, Mumbai, Gujarat, Kolkata, and Thane. There are also other pricing options available under the plan, which you can access through the company’s website. 

Tenure Discount:

If you pay for a 2-year policy term, you will get a 7.5% discount on the premium of the second policy year. If you pay for a 3-year policy term, you will get an additional discount of 15% on the premium of the third policy year.