Niva Bupa
Policy overview
from 5 Insurance plans
Features
What's Included
Hospitalisation
Covers hospitalisation costs upto sum insurer when the hospital stay is longer than 2 hours (24 hours for AYUSH treatment)
Pre & post-hospitalisation expenses
Covers expenses such as medical tests, medicines, consultation fees incurred 60 days before and upto 180 days after hospitalisation
No room capping
No limit on room rent charges, allowing you to choose any room category
No co-payment
Provides full coverage for claims, ensuring you don't have to pay out-of-pocket for covered expenses.
Day care treatments
Covers medical procedures and surgeries that don't require 24-hour hospitalization such as cataract surgery, chemotherapy, dialysis, etc.
Live healthy discounts
Get up to 30% discount on premium at the time of renewal basis step count
Unlimited restoration
Activates after the first claim. Each claim is covered up to the base sum insured, with no limit on restorations
Annual health check-up
Get free health check-up for each insured once per year
AYUSH treatment
Covers in-patient treatment costs for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Road ambulance
Covers road ambulance charges upto the cover amount
Emergency air ambulance
Covers air ambulance costs upto the cover amount
Organ donor expenses
Covers medical expenses for harvesting a major organ from the donor’s body
Home healthcare
Covers medical expenses on cashless basis for home hospitalisation, if advised by the Doctor
Lifelong renewability
You can renew your health insurance cover for lifetime, irrespective of age or health conditions
E-consultations
Get unlimited e-consultations with qualified physicians in Niva Bupa's network
Second medical opionion
Get second medical opinion once in a policy year for treatments with approved hospitalisation claims
Modern treatment
Covers modern treatments such as robotic surgeries, stem cell therapy, etc.
Waiting Periods
Claim process
STEP 1
- 48hrs before a planned hospitalisation
- Within 24hrs of emergency
STEP 2
STEP 3
You'll be notified via email or SMS
STEP 4
About
Niva Bupa Health Insurance Company is a joint venture between the Bupa Group and Fettle Tone LLP. It is a leading health insurance and has served more than 1 crore customers in India since it started its operation in 2008. Niva Bupa offers a comprehensive range of health insurance products, including individual and family health plans, critical illness coverage, personal accident insurance, and travel insurance.
Brochure
Download the full policy brochure
FAQs
What are the waiting periods in the Niva Bupa ReAssure 2.0 Titanium+ plan?
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Initial Waiting Period (30 Days): There is a 30-day waiting period from the start date of the policy during which claims for illnesses are not covered. However, this does not apply to accidental injuries, which are covered from day one.
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Specific Disease Waiting Period: Certain specified diseases and treatments have a waiting period of 24 months. These conditions are listed in the policy document and will not be covered until this period is completed.
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Pre-existing Disease Waiting Period: Pre-existing diseases are covered after a waiting period of 36 months, depending on the terms specified in your policy. This applies to medical conditions declared at the time of purchase.
Which hospital room categories can I select under the Niva Bupa ReAssure 2.0 Titanium+ plan?
There is no limit on room rent charges under the Niva Bupa ReAssure 2.0 Titanium+ plan, allowing you to select any room category as per your preference.
