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Individual Health Insurance Plans
Niva Bupa Health Premia Plan
Niva Bupa Health Premia plan is a comprehensive health insurance plan that offers ultimate coverage for you as well as your family members as per your lifestyle and needs. The policy is available in three variants: Silver, Gold, and Platinum, and it can be purchased as an individual or family floater, according to your needs. Aside from the basic coverage, the insurance includes a number of optional coverage benefits that you can select based on your requirements by paying an additional premium at the time of policy purchase.
|Sum Insured Options||Up To Rs. 3 Crores|
|Policy Tenure||1/2/3 Years|
|Number Of Family Members Covered||Up To 19 Family Members Under ‘Family First’ Variant|
What Makes Niva Bupa Health Premia Different From Others?
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.
Specifications Of Niva Bupa Health Premia Plan
|Maternity Benefit||Rs. 60,000||Rs. 1,00,000||Rs. 2,00,000|
For 5 Lakhs: Up To Rs. 40,000
For 7.5 Lakhs: Up To Rs. 60,000
For 20 Lakhs: Up To Rs. 80,000
For 30 Lakhs: Up To Rs. 1 Lakh
For 50 Lakhs: Up To Rs. 1 Lakh
|Up To Rs. 2 Lakh Worldwide|
|Hospital Cash||Rs. 3000 Per Day||Rs. 5000 Per Day||Rs. 7500 Per Day|
|In-Patient Care||Covered Up To Sum Insured|
|Pre-Hospitalization Expenses||For 90 Days|
|Post-Hospitalization Expenses||For 180 Days|
|Daycare Treatment||Covered Up To Sum Insured|
|Domiciliary Hospitalization||Covered Up To Sum Insured|
|Alternative Treatment||Covered Up To Sum Insured|
|Live Organ Donor Transplant||Covered Up To Sum Insured|
|Newborn Baby Cover||Covered Till The End Of Policy Year|
|Emergency Ambulance||Covered Up To Rs. 50,000|
|Room Rent||Covered Up To Sum Insured|
What’s Not Included Under Niva Bupa Health Premia Plan?
The following things are excluded under the plan:
- Treatment expenses occurring out of participation in hazardous activities
- Incidental, inconsistent, or irrelevant diagnostic procedures
- Non-medical expenses
- Expenses due to unproven treatments
- Sexually transmitted infections and diseases.
- Expenses related to obesity and weight control treatments
- Suicide or self-inflicted injury
- Treatment expenses resulting directly or indirectly due to war or war-like situations
- Cosmetic or plastic surgeries
- External congenital anomaly
- Treatments related to sterility and infertility
Premium Calculation Of Niva Bupa Health Premia Plan
Before buying Niva Bupa Health Premia plan, it is important for you to be cognizant of the amount of premium you need to pay for the plan. Therefore, we have calculated the premium amounts of the plan with respect to the different sum insured options.
|Name||Age (In Years)||Gender||Sum Insured||Premium Amount|
|Rakesh Gupta||31||Male||Rs. 1 Crore||Rs. 12,372||Rs. 16,557||Rs. 52,648|
|Akansha Aggarwal||41||Female||Rs. 2 Crores||Rs. 18,357||Rs. 23, 985||Rs. 68,708|
|Anuj Jain||50||Male||Rs. 50 Lakhs||Rs. 27,750||Rs. 35,708||Rs. 93,994|
|Ishita Jain||61||Female||Rs. 3 Crores||Rs. 46,216||Rs. 59,447||Rs. 1,49,206|
Frequently Asked Questions
The initial waiting time for Niva Bupa Health Insurance’s Health premia Policy is 30 days, after which you can file a claim according to the policy’s terms and conditions. Pre-existing conditions, on the other hand, have a 24-month waiting period. Please keep in mind that the waiting time is computed from the policy’s start date.
The policy permits you to add 19 relationships to a family floater. These include yourself, your lawfully married spouse, your son, mother, father, and your daughter-in-law, among others.
Various add-on benefits are available under the plan, including critical illness cover, personal accident cover, international coverage extensions, and many more.
The coverage protects the policyholder against 20 critical illnesses, such as open-heart surgery, heart failure, cancer, kidney failure, strokes, etc.
Yes. Purchasing this health insurance coverage qualifies you for a tax deduction under Section 80D of the Income Tax Act of 1961. Every taxpayer can deduct Rs. 15,000 from their taxable income each year for health insurance premiums for themselves, their spouses, and their dependent children. This amount is Rs. 20,000 for senior citizens.