Niva Bupa Super Saver Individual Health Insurance

Annual Health Check-up : Available from second policy year onwards
Hassle Free Claims : 30 minutes cashless claim processing and in-house claim settlement No co-payment at the time of claim
Pre & Post Hospitalisation Medical Expenses : Covered up to Sum Insured
Alternative Treatments: Treatments under Ayurveda, Unani, Siddha and Homeopathy covered up to Sum Insured
e-Consultation : Unlimited tele/online consultations

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Niva Bupa Health Insurance review

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

Product Benefit table
Base Sum Insured (SI) per Policy Year (in Lacs)3	INR 1 Cr.
In-Patient Treatment	Covered up to Sum Insured
Nursing Charges for Hospitalization as an inpatient excluding Private Nursing charges	Covered up to Sum Insured
Medical Practitioner’s fees, excluding any chargesor fees for Standby Services	Covered up to Sum Insured
Intravenous fluids, blood transfusion, injection administration charges and/or consumables	Covered up to Sum Insured
Operation Theatre charges	Covered up to Sum Insured
Cost of prosthetics and other devices or equipment if implanted internally during surgery	Covered up to Sum Insured
Room Rent (per day)	Single Private Room
Intensive Care Unit charges	Covered up to Sum Insured
Pre-Hospitalization Medical Expenses	Covered up to Sum Insured
Post-Hospitalization Medical Expenses	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Treatment	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Up to INR 2,000 per hospitalization
Pharmacy and diagnostic services	Available through our empanelled service provider
Health Check up	Annual, from 2nd policy year onwards
Mental Disorders Treatment	Covered as per Policy terms and conditions
e-Consultation	Unlimited tele / online consultations
HIV / AIDS	Covered as per Policy terms and conditions
Copayment	No copayment applicable