Niva Bupa Health Assurance Health Insurance, Latest benefits for Niva Bupa Health Assurance Medical Insurance

Niva Bupa Health Assurance insurance plan details

Critical Illness
Hospital cover
Personal Accident

Health Assurance 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)

Individual - 100% of sum assured
Family Floater - 100% of sum assured (Applicable only for 2 Adults, No coverage for children)
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.

Daily cash benefit of Rs.1000-4000/day of hospitalization ( Up to 54 days )
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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