Niva Bupa Health Assurance Health Insurance

Niva Bupa Health Assurance plan details

• 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

• Schedule of Benefits - Individual & Family Floater

  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