Niva Bupa Health Insurance Plans
Niva Bupa health insurance (formerly known as Max Bupa Health Insurance company) provides a wide range of healthcare plans to individuals, families, and senior citizens. Niva Bupa health plans are designed to cater
to the specific needs of people such as cover for critical illness, pre-existing diseases, etc.
Niva Bupa Health Insurance Individual and Family Health Plan
Niva Bupa Health Insurance Specialized Plans
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
- No room rent capping
- Unlimited E-consultation available
- Pharmacy and diagnostic services
NivaBupa Health Recharge (Pros)
- Loyalty Additions up to 50%
- Pharmacy and Diagnostic Services
- Personal Accident Cover
- Easy Plan Convertibility
- Day Care Treatments Coverage
NivaBupa Health Recharge (Cons)
- Maternity Treatment not covered
- Pre-existing Diseases not covered
- Alcoholism not covered
- Dietary Supplements not covered
- No COVID-19 cover
NivaBupa Health Recharge (Other Benefits)
- Intensive Care Unit charges
- Domiciliary treatment
- HIV / AIDS Treatment Covered
- Artificial Life Maintenance Benefit
- Room Rent (per day) Up to 1%
NivaBupa Health Recharge (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2 Lakh - 95 Lakh
- Waiting Period - 30 Days
Critical Illness
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
- Daily hospital cash
- Accident care available
- Lifelong renewability
NivaBupa CritiCare (Pros)
- 20 critical illnesses Covered
- Long-term tenure savings
- Different pay-out options
- Tax benefits
- Direct claim settlement
NivaBupa CritiCare (Cons)
- Accident Death
- No Total Disability Cover
- AIDS Not Covered
- Child Education Benefit
- Funeral Expenses
NivaBupa CritiCare (Other Benefits)
- Flexibility Plan Options
- Surgeon's Fee Covered
- Renewal for life
- Diagnostic Procedures/Therapies
- Prosthetic Implants Covered
NivaBupa CritiCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 3 Cr
- Waiting Period - 30 Days
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
- Global coverage available
- Child education benefit
- Permanent Disability Cover
- Funeral Expenses
- Accidental OPD
- Adventure Sports Cover
- Elderly Care Cover
- Burns Cover
- No Alcohol Ailment Cover
- No Cosmetic Surgery
- No Obesity Surgery
- No Suicide Cover
- No War Injury Cover
AccidentCare (Other Benefits)
- Air Ambulance
- Broken Bone/Fracture
- Head & Spinal Injury
- Marriage Expenses for Children
- Comatose Cover
AccidentCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 5l
- Waiting Period - 30 Days
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
- 100% SI restoration
- Unlimited e-consultation
- No room rent capping
NivaBupa Money Saver (Pros)
- All Day Care Procedures covered
- Accumulated Bonus
- 100% Refill Benefit
- 20% cumulative bonus
- Organ Transplantation Covered
NivaBupa Money Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Money Saver (Other Benefits)
- Road Ambulance Cover
- Alternate Treatment
- Pharmacy and Diagnostic Services
- Hassle-Free Claims
- Pre & Post Hospitalisation
NivaBupa Money Saver (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 10.5 L to 1 Cr
- Waiting Period - 30 Days
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
- Coverage for modern treatments
- Multiple co-payment options
- Unlimited SI restoration
NivaBupa Senior First (Pros)
- 3 Variant Available
- No pre-issuance medical tests
- Day 1 Health Check-up
- Safeguard (Add-on)
- Day Care Treatment
NivaBupa Senior First (Cons)
- No Critical Illness Cover
- 50% Co-payment
- No Specific Diseases Covered
- No Pre-existing Disease Cover
- Self Inflicted Injuriesnot covered
NivaBupa Senior First (Other Benefits)
- ReAssure Benefit
- Domiciliary Hospitalization
- Organ Donor Benefit
- Ayush Benefit
- Annual Aggregate Deductible
NivaBupa Senior First (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
Plans Offered by Royal Sundaram Health
There are two types of plan options available within the health insurance plan category offered by the Royal Sundaram Health Insurance company. These two options are:
Family Floater Health Insurance Plans
This is a plan that covers basic hospitalization and many health and wellness benefits.
Unique Features
- OPD Cover
- Affordable Premium
- Tax Benefit
- Organ Donor Benefit
- Inpatient Hospitalization
- Pre And Post Hospitalization
- Vaccination Cover
- Reload of SI
- No Gender Treatments
- No Global Coverage
- No Alcoholism Ailments Cover
- No Cosmetic Cover
- No Obesity/Weight Cover
Lifeline Classic(Other Benefits)
- Domiciliary Hospitalization
- No Room Rent Capping
- Ambulance Cover
- AYUSH Treatment Covered
- 10% No Claim Bonus
Lifeline Classic (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2 L to 4 L
- Waiting Period - 30 Days
This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.
Unique Features
- High Sum Insured
- Affordable Premiums
- Tax Benefit
- 5000 + Network Hospitals
- Emergency Domestic Evacuation
- Health Checkup
- Can Refresh SI Once
- Mobility Devices Cover
- No Gender Treatments
- No New Born Baby Cover
- No Maternity Cover
- No Vaccination Cover
- No Obesity/Weight Cover
Lifeline Supreme(Other Benefits)
- Health And Wellness Benefits
- Bariatric Surgery
- App-Based Ambulance Cover
- Second Opinion
- 20% No Claim Bonus
Lifeline Supreme (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5L to 1 Cr
- Waiting Period - 30 Days
Royal Sundaram's Lifeline Elite
This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.
Unique Features
- Worldwide Coverage
- Affordable Premiums
- Tax Benefit
- No Room Rent Capping
- Maternity Cover
- Health Checkup
- Global Coverage
- Worldwide Emergency Evacuation
- No Gender Treatments
- No Cosmetic Surgery Cover
- No War Injury Cover
- No Vaccination Cover
- No Obesity/Weight Cover
Lifeline Elite(Other Benefits)
- Health And Wellness Benefits
- OPD Treatment
- Elite Plus Benefit
- Second Opinion
- 20% No Claim Bonus
Lifeline Elite (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 25L to 1.5 Cr
- Waiting Period - 30 Days
Royal Sundaram Arogya Sanjeevani
Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.
Unique Features
- Cataract Cover
- Hernia Cover
- Pre Existing Disease Cover
- Cataract Treatment
- Pre Hospitalization
- Post Hospitalization
- Modern Treatments
- Cumulative Bonus
- No Gender Treatments
- No Global Coverage
- No Maternity Cover
- No Cosmetic Cover
- No Obesity/Weight Cover
Arogya Sanjeevani(Other Benefits)
- Dental Cover
- Day Care Treatment Cover
- Ambulance Cover
- Parents-in-law cover
- 5% No Claim Bonus
Arogya Sanjeevani (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 50 Thousand to 10 Lakh
- Waiting Period - 30 Days
Royal Sundaram Advanced Top-Up
A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.
Unique Features
- All-Day Treatment Cover
- Life Protect Benefit
- Inpatient Hospitalization
Royal Sundaram Advanced Top-Up (Pros)
- Modern Treatments
- Pre Hospitalization Cover
- Post Hospitalization Cover
- Inpatient Care
- Domiciliary Hospitalisation
Royal Sundaram Advanced Top-Up(Cons)
- No Infertility Treatments
- No Adventure Sports Cover
- No Dietary Supplements Cover
- No Cosmetic Cover
- No Obesity/Weight Cover
Royal Sundaram Advanced Top-Up(Other Benefits)
- Dental Cover
- Home Care Treatment Cover
- Ambulance Cover
- AYUSH Cover
- Organ Donor Benefit
Royal Sundaram Advanced Top-Up (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 50 Lakh-1 Cr
- Waiting Period - 30 Days
A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.
Unique Features
- 24*7 Global Coverage
- Family Cover
- No Income Proof Required
- Educational Grant
- Recovery Benefit
- Temporary total Benefit
- Instant Cover
- Carriage of Dead Body
- No Infertility Treatments
- No Maternity Cover
- No Dietary Supplements Cover
- No Cosmetic Cover
- No Obesity/Weight Cover
Personal Accident(Other Benefits)
- Disablement Cover
- Loss Of Hearing Cover
- Ambulance Cover
- Pre- Existing Disease Cover
- No Medical Test Required
Personal Accident (Eligibility Criteria)
- Entry Age - 5 Years
- Max Entry Age - 70 Years
- SI - 2.5 Lakh - 10 Lakh
- Waiting Period - 30 Days
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
- Flexi Reload Benefit
- 4X Multiplier Benefit
- Health And Wellness Plus
Multiplier Health Insurance (Pros)
- 22 Critical Illness Covered
- AYUSH Cover
- Organ Donor Expenses
- Pre Existing Disease Coverage
- Modern Treatment Cover
Multiplier Health Insurance(Cons)
- No Gender Treatments
- No Global Coverage
- No Maternity Cover
- No Cosmetic Cover
- No Obesity/Weight Cover
Multiplier Health Insurance(Other Benefits)
- In Patient Cover
- Day Care Treatment Cover
- Emergency Domestic Evacuation
- Virtual Health Coach
- Hospital Plus Benefit
Multiplier Health Insurance (Eligibility Criteria)
- Entry Age - 5 Years
- Max Entry Age - 65 Years
- SI - 5L to 25L
- Waiting Period - 30 Days
Royal Sundaram Family Plus
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
- Dialysis Cover
- Maternity Benefit
- AYUSH Treatment Cover
- Renewal Benefit
- Emergency Domestic Evacuation
- 20 % No Claim Bonus
- Joint Replacement Cover
- Cataract Expenses 8% Of SI
- No Alcoholism cover
- No War Injury Cover
- No Global Coverage
- No Cosmetic Cover
- No Gender Treatment Cover
Family Plus(Other Benefits)
- Chemotherapy 10 % of SI
- Day Care Coverage
- Ambulance Cover
- Room Rent up to 2% SI
- ICU Charges up to 4% SI
Family Plus (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 15 L
- Waiting Period - 30 Days
Royal Sundaram Divyang Plus
A plan that covers people with disabilities and affected by HIV/AIDS.
Unique Features
- Mental illness cover
- Affordable premiums
- Cataract cover
- Pre & post hospitalization cover
- Flexible premiums
- Ayush treatment
- Pre-existing disabilities cover
- Pre existing diseases cover
- Not a family floater plan
- WP on pre-existing disabilities
- Low sum insured
- No air ambulance
Divyang Plus(Other Benefits)
- Ayush up to 50% of sum insured
- 60 days post hospitalization
- Ground ambulance cover
- 40K per eye allotted for cataract
- 4 premium payment options
Divyang Plus (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry age: NA
- Sum insured: 4 - 5 lakhs
- Waiting period: 24 & 48 months
