Niva Bupa Health Companion Family First Insurance

Family First - Variant (1)(2)	Family First Plan
Sum Insured (Rs.)	1. Individual Base Sum Insured: 1, 2, 3, 4, 5 & 10 lakhs per Insured Person 2. Floater Base Sum Insured (available on a floating basis over individual cover): 3, 4, 5, 10, 15 & 20 lakhs.
IN - PATIENT TREATMENT
Diagnostic procedures	Covered up to Sum Insured
Medicines, drugs and consumables	Covered up to Sum Insured
Doctors - fees	Covered up to Sum Insured
Intravenous fluids, blood transfusion, injection administration charges	Covered up to Sum Insured
Operation Theatre charges	Covered up to Sum Insured
The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Operation	Covered up to Sum Insured
Intensive Care Unit Charges	Covered up to Sum Insured
Hospital Accommodation	Covered up to Sum Insured
Pre and Post hospitalization Medical Expenses	Covered up to Sum Insured
DayCare Procedures	Covered up to Sum Insured
Health Check-up	Annual
Organ Donor	Covered up to Sum Insured
Emergency ambulance	Covered upto Rs.3000
Domiciliary Hospitalization	Covered up to Sum Insured
Vaccination (in case of Animal Bite) (3)	Upto Rs.5,000
Ayush Treatment (4)	Covered up to Sum Insured
No Claim Bonus	Additional 20% of individual base sum insured upto maximum of 100% of individual base Sum Insured
CUSTOMER LEVEL ENDORSEMENT
Top-up plan on annual aggregate basis	Deductible of Rs.1,2,3,4,5 & 10 lakhs
Treatment only in Tiered Network (5)	Option available to Zone 2 customers
Hospital Cash (6)	Rs.1,000/day or Rs.2,000/day

Notes:
(1) Baseline cover includes a 36 months waiting period for pre-existing conditions, a 2 year waiting period for specific diseases/conditions & a 30 day Initial waiting period from inception. Entry age for adults is 18 years onwards and from 91 days to 21 years for children. New born children can be added to existing policies at renewal.
(2) No co-payment for insured of any age.
(3) Vaccination for Animal Bite (Post Bite Treatment) - OPD Benefit upto defined limit as part of overall limit.
(4) AYUSH Treatment - Inpatient Treatment taken up in authorized Government Hospitals.
(5) Tiered Network - Zone 2 customers can avail cashless treatment in Niva Bupa's network hospitals in Zone 2 locations. Customers can also avail treatment (reimbursement basis) in Zone 1 hospitals with 20% co-payment. Customer opting for this option will get a 10% discount.
(6) Hospital Cash - Minimum 48 hrs of continuous hospitalization required. Maximum coverage offered for 30 days/policy year. Payment made from day one subject to hospitalization claim being admissible.