| Platinum plan | |
| Base Sum Insured | Base Individual Sum Insured (per Insured Person): 10 Lacs, 11 Lacs, 12 Lacs, 13 Lacs, 14 Lacs & 15 Lacs |
| Benefits | |
| In Patient Care | Covered Upto Sum Insured |
| Room rent | Covered Upto Sum Insured |
| Pre-Hospitalisation Medical Expenses (90 days) | Covered Upto Sum Insured |
| Post-Hospitalisation Medical Expenses (180 days) | Covered Upto Sum Insured |
| Day Care Treatment | Covered Upto Sum Insured |
| Domiciliary Hospitalisation | Covered Upto Sum Insured |
| Alternative Treatment | Covered Upto Sum Insured |
| Living Organ Donor Transplant | Covered Upto Sum Insured |
| Child Care Benefits (Vaccinations for children up to 12 years including one consultation for nutrition and growth during the visit for vaccination) | Covered Upto Sum Insured |
| Specified Illness Cover (1) (outside the geographical boundaries of India for worldwide excluding USA & Canada) | Covered up to Sum Insured |
| Emergency assistance services (only within India) - Medical referral - Emergency medical evacuation (air ambulance) - Medical repatriation - Compassionate visit - Care and/or transportation of minor children - Return of mortal remains |
Covered Upto Sum Insured |
| New Born Baby (covered uptill the end of Policy Year) (2) | Covered Upto Sum Insured |
| Vaccination of the new born baby | Covered until new born baby completes one year, vaccinations as per pre-defined list |
| Emergency Ambulance | Network Hospital: Covered up to Sum Insured Non-network Hospital: Covered up to Rs. 2,000 per event |
| HIV / AIDS (waiting period of 4 years) | Covered up to Rs 50,000 |
| Modern Treatments | Covered up to Sum Insured with sub-limit of Rs. 1 Lac on few robotic surgeries |
| LASER surgery cover (waiting period of 3 years) | Covered up to Rs 1,00,000 |
| Mental disorder treatment (waiting period of 3 years) | Covered up to Sum Insured (sub-limit of Rs 1,00,000 applicable on few conditions) |
| Second Medical Opinion | Covered worldwide, One opinion per Insured Person per Specified Illness / planned Surgery |
| Premium Waiver | One-time premium waiver if the Policyholder dies or suffers from specified illness |
| Pharmacy and diagnostic services | Available through our empanelled service provider |
| e-Consultation | Unlimited tele / online consultations |
| International coverage (outside the geographical boundaries of India for worldwide excluding USA & Canada) | Condition: Annual multi trip (Max 45 days coverage in a single trip); International Sum Insured: up to Rs. 1 cr per insured person |
| Emergency Hospitalisation | Covered up to International Sum Insured |
| Emergency Medical Evacuation | Covered up to International Sum Insured |
| Compassionate Visit | Covered up to International Sum Insured |
| Care and/or transportation of Minor Children | Covered up to International Sum Insured |
| Return of Mortal Remains | Covered up to International Sum Insured |
| Medical Referral | Covered up to International Sum Insured |
| Medical Repatriation | Covered up to International Sum Insured |
| OPD Cover | Covered up to International Sum Insured with a co-payment of 20% |
| Loss of Passport | Covered up to Rs 20,000 |
| Loss of Checked-in baggage | Covered up to Rs 10,000 |
| Trip Cancellation & Interruption | Rs 25,000 |
| Trip Delay | Rs 10,000 |
| Delay of Checked-in Baggage | Rs 5,000 |
| OPD Treatment and Diagnostic Services (3) | Covered up to Rs 35,000 per policy |
| Health Check-up (from Day 1) | Annual, tests covered up to worth Rs 5000 per Insured Person |
| Maternity Benefit (covered for up to 2 pregnancies or terminations) (2) | Covered up to Rs 1,00,000 (worldwide excluding USA & Canada) |
| Loyalty Additions | Increase of 10% of expiring Base Individual Sum Insured in a Policy Year; maximum up to 100% of Base Individual Sum Insured |
| Re-fill Benefit | Not available |
| Optional Benefits | |
| Personal Accident Cover (for insured aged 18 years & above on individual basis) | 1 Cr |
| Critical illness cover (for insured 18 years & above on individual basis) | 25 lacs / 50 lacs / 1 Cr |
| Enhanced Loyalty Addition | Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured |
| International Coverage Extension (outside the geographical boundaries of India for worldwide excluding USA & Canada) | Double Sum Insured for ‘international coverage’ benefit |
| Hospital Cash (4) | Rs 6,000/day |
| Enhanced Geographical Scope for International Coverage | USA & Canada included for Maternity Benefit, Specified Illness and International coverage |
| Health Coach | Personalised health coaching for insured aged 18 years & above for any 90 days per Policy Year |
| Notes: | (1) The symptoms of the Specified Illness first occur or manifest itself during the Policy Period and after completion of the 90 day from the inception of 1st Policy with us. (2) Subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with us. (3) 80% of the untilized amount in a policy year gets carried forward to next year; provided the total amount shall not exceed 2.5 times of the benefit limit. (4) Hospital Cash - Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/policy year/insured person. Payment made from day one subject to hospitalisation claim being admissible. |
How to buy Niva Bupa health insurance?
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more
Insurance FAQ
Get all the answers to the most frequently asked questions (FAQs) regarding best health insurance plans in India.
Know more
Claims Procedure
Niva Bupa health Insurance Claims Procedure
Know more
Portability
Steps to port your existing health insurance to a new health insurance policy by a different company.
Know more
Niva Bupa Network of hospitals
Niva Bupa insurance plan network hospital list.
Know more
Tax benefits
Tax deduction on health insurance premium paid for you, your family and your parents.
Know more
Heart Beat
Health Premia
Health Companion
Reassure Individual
Health Companion Individual
Goactive Individual
Money Saver Individual
Health Pulse Individual
Health Premia Individual
Senior Citizen Pulse Individual
Super Saver Individual
Reassure Individual
Health Companion Family Floater
Goactive Family Floater
Money Saver Family Floater
Heart Beat Family Floater
Super Saver Family Floater
Health Premia Family Floater
Senior Citizen Family Floater
Health Recharge Family Floater
Health Companion Family First
Heart Beat Family First
Health Premia Family First
Health Assurance
Covid19 travel insurance - Know more