Niva Bupa GoActive Family Floater Health Insurance

GoActive Family Floater plan enables you to choose your own course of treatment and it will not bind you to any particular hospital, room type etc. The cash payout allows you to protect your lifestyle and also helps you meet your fixed expenses.
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Niva Bupa Health Insurance review

Niva Bupa Health Insurance
Sum Insured
2 lacs - 300 lacs options available
Tenure Options
1 year
Claims Incurred Ratio *
54.00%
Claims Settlement Ratio **
85.96%
List of Network Hospitals
4,500+ hospitals
Number of Policies issued *
696,107
Number of Lives Covered *
54,33,000
Maximum Family Floater Coverage
Self, Spouse + 4 dependent children
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Niva Bupa GoActive Family Floater insurance plan details

  • Critical Illness
  • Hospital cover
  • Personal Accident
GoActive Family Floater covers as many as 20 Critical illness and provides guaranteed cash benefit equivalent to sum insured on diagnosis.
  • Cancer
  • Kidney Failure
  • Multiple Sclerosis
  • Deafness
  • First Heart Attack
  • Stroke
  • Aplastic Anaemia
  • End-stage Lung Disease
  • Open Chest Coronary Artery Bypass Surgery
  • Major Organ Transplant
  • Bacterial Meningitis
  • Fulminant Viral Hepatitis
  • Open Heart Valve Replacement or Repair
  • Paralysis
  • Loss of Speech
  • Major Burns
  • Coma
  • Motor Neurone Disease
  • End Stage Liver Disease
  • Muscular Dystrophy
Plan Coverage (Individual/Family)
  1. Individual - 100% of sum assured
  2. Family Floater - 100% of sum assured (Applicable only for 2 Adults, No coverage for children)
  3. Entry Age for Adults - 18 to 65 years

Guaranteed Cash Benefit:
  • Plan offers a guaranteed cash benefit subject to claim being admissible under policy.
2 year Policy Tenure Option
  • You can opt for 2 year policy tenure & avail discount.

Benefit Table:
Benefits Level 1 Level 2 Level 3 Level 4
Critical Illness cover 3 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs
Baseline Cover Benefits 100% of SA 100% of SA 100% of SA 100% of SA

An accident is not just an irreversible life changing disability it can exhaust your lifetime savings as well. Personal Accident Health insurance covers and assures coverage for not only accidental death but also Permanent Total Disability, Permanent Partial Disability, Child Education benefit, etc.
Accidental Death
  • In case of Accidental Death, sum assured is paid.
Permanent Total Disability
  • In case of permanent total disability, plan will pay upto 125% of principal sum assured.
Permanent Partial Disability
  • In case of permanent partial disability, plan will pay upto 100% of sum assured. Please click here for details.
Child Education Benefit
  • In case of Accidental Death or Permanent Total Disability, 5% of the sum assured or Rs.50,000 whichever is lower is paid towards your children’s education benefit (Only for plans where Children are covered.).
Funeral Expenses
  • An amount of Rs. 5,000 will be paid as funeral expenses in case of accidental death of any insured member
2 year Policy Tenure Option
  • You can opt for 2 year policy tenure & avail discount.
Direct Claim Settlement
  • We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our own customer services team
Assured Plan Renewal for Life
  • We assure you renewability for life. Once insured with us, you will always remain our customers.
Renewal Bonus
  • If the Policy is renewed, the Sum Assured will be increased by 5% of the Sum Assured for every claim free year upto a cumulative maximum of 25% of the Sum Assured.
Benefits Level 1 Level 2 Level 3 Level 4
Daily Cash Benefit - In Rs/day Rs.1,000 Rs.2,000 Rs.3,000 Rs.4,000
Hospital Cash policy is a supplement coverage for hospitalization policy which covers for hospital bills, Incidental expenses like patient’s attendee’ s lodging nursing expenses, money spent on commuting etc. account for considerable part of the overall cost incurred. All these expenses are covered under Hospital Cash as an additional benefit to hospitalization policy.
  1. Daily cash benefit of Rs.1000-4000/day of hospitalization ( Up to 54 days )
  2. Double cash benefit for ICU ( maximum up to 7 days )
Benefits Level 1 Level 2 Level 3 Level 4
Baseline Cover Benefits        
Sum Assured in Rs 5 Lakhs 10 Lakhs 20 Lakhs 25 Lakhs
Accidental Death 100% of SA 100% of SA 100% of SA 100% of SA
Accidental Permanent Total Disability 100% of SA 100% of SA 100% of SA 100% of SA
Accidental Permanent Partial Disability 50% of SA      
Child Education Benefit 5% of Sum Assured or Rs.50,000 (whichever is lower) per child      
Funeral Expenses Rs.5,000      

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Portability Portability

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