Niva Bupa Arogya Sanjeevani Policy & Benefits | PolicyX
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Niva Bupa Arogya Sanjeevani Policy

This health policy is an indemnity plan designed to provide coverage f ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
94.4%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,742 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 94.4% claim settlement

About Niva Bupa Arogya Sanjeevani Policy

A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.

The Niva Bupa Arogya Sanjeevani health policy is an indemnity plan designed to provide comprehensive coverage at an affordable premium. Available as an individual or family floater health policy, it offers a maximum sum insured of INR 10 Lakh, sufficient for covering primary family members like your spouse, children, parents, and parents-in-law.

In times of emergency, this health insurance plan covers medical expenses related to hospitalisation, including pre and post-hospitalisation, ICU charges, and room rent with a sub-limit of INR 5,000 per day. Unlike some other Arogya Sanjeevani policies, Niva Bupa covers COVID-19 treatment and medical expenses related to AYUSH treatment or alternative therapies. The plan also includes coverage for specified daycare procedures.

The Niva Bupa Arogya Sanjeevani policy offers streamlined and essential medical support, ensuring overall safety for your family. Its affordability makes it suitable for various sections of society.

The Arogya Sanjeevani policy is an excellent choice for those new to health insurance, featuring a co-payment clause of just 5% on every claim raised during a policy tenure. This page provides detailed information about the Niva Bupa Arogya Sanjeevani policy, including its eligibility criteria, specific benefits, and the claim settlement process.

Read on to learn more about this comprehensive policy.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
3 Months - 25 Years (Family plan) 18 - 65 Years (Individual plan)
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹80 L, ₹1 L, ₹5 L, ₹10 L
Waiting period
30 days
Renewability
After 1 year
Policy term
1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups

Cons

  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Benefits of Niva Bupa Arogya Sanjeevani Policy

Below are some of the notable benefits of the Arogya Sanjeevani Policy from Niva Bupa:

  • Family Coverage

    The Arogya Sanjeevani indemnity plan ensures the safety of your family members (with a floater plan). It provides medical support to the policyholder, legally married spouse, children, parents, and parents-in-law under a single plan.

  • COVID-19 Treatment Coverage

    You do not need other plans specifically for COVID-19 coverage, as the Niva Bupa Arogya Sanjeevani policy is sufficient to cover hospital costs for coronavirus treatment.

  • Daycare Procedure Coverage

    The plan offers coverage for specified daycare procedures that require hospitalisation for less than or equal to 24 hours. The procedures covered are mentioned during policy commencement.

  • Grace Period

    If you pay your premiums annually, you receive a grace period of 30 days. For other payment modes, the policy provides a grace period of 15 days.

  • Tax Benefits

    All premiums paid towards the Niva Bupa Arogya Sanjeevani Policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Any external congenital illnesses or voluntary treatments like cosmetic therapies, beautification, or plastic surgery.
  • OPD and home care treatments.
  • Unproven treatments, rest care, or rehabilitation.
  • Sterility and infertility, birth control, or gender change treatments.
  • Maternity expenses like childbirth, miscarriage, and lawful medical termination of pregnancy during the policy period.
  • Hypertension, diabetes, cardiac arrests, organ transplants, or donor expenses.
  • Investigation and evaluation purposes.
  • Obesity, weight control, or liposuction.
  • Hazardous/adventure sports, nuclear wars, or defensive attacks.
  • Breach of the law, alcoholism, drug, or substance abuse cases.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum Entry Age: 3 Months: 25 Years (for children in family plan)
  • Adult Entry Age: 18: 65 Years
  • Sum Insured: INR 50,000: INR 10 Lakh
  • Initial Waiting Period: 30 Days

Other features & benefits

  • Individual & family floater plan
  • Cashless claim settlement
  • Premiums are affordable

Niva Bupa Arogya Sanjeevani Policy: FAQs

The 5 most-asked questions about Niva Bupa Arogya Sanjeevani Policy, answered.

The maximum sum insured under this plan is up to INR 3 Lakhs to a maximum of 2 Crores.
Yes, the Niva Bupa Arogya Sanjeevani Policy covers the treatment for COVID-19.
Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.
It offers family floater plan benefits so your spouse, parents/ in-laws/ children (3 months-25 years) or all can be covered under the same policy.
No, there is no variant of Arogya Sanjeevani’s policy of Niva Bupa.

Conclusion

Arogya Sanjeevani policy is an indemnity policy specially designed to offer basic and standard medic

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Nirala — Health & Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 5 Mar 2024 · Originally published: 27 Sep 2024

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