Network hospitals
10190+
Incurred claim ratio
100%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.7
Pan India Presence
320+
Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs.
There could be several incidences that lead us to get hospitalised anytime, and it gets out of our hands. In the meantime, owning health insurance can provide the comfort of not losing your money when it's too late to buy health insurance. Also, in terms of health insurance, it's better to buy it at a younger age or a maximum in your 30s. This is why, the Niva Bupa GoActive health plan has a far-reaching benefit with an early age AdvantAGE that makes sure you get to pay less premiums on every renewal of the policy by availing exciting renewal discounts.
Niva Bupa GoActiveTM plan is a comprehensively designed health insurance that anybody can purchase on an individual or a family floater basis according to their needs. The specifications of this plan have multiple unique selling points (USPs) that include all kinds of hospitalisation expenses, alternative treatment benefits, home health care benefits, and so on. Based on the wide cover for its policyholders, there is also a behavioural assistance program, personal health check-ups, and much more. The family floater variant of this GoActive health insurance policy by Niva Bupa provides complete coverage for your family members.
To understand Niva Bupa GoActive Insurance in detail, take a look at the below table:
91 days to 65 years
Individual and Family Health Insurance
INR 4 Lakhs | 7 Lakhs | 10 Lakhs
30 days Days
Lifetime
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.
Read more specifications in the brochure.
With wide coverage options available, Niva Bupa GoActive Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Additionally, the plan comprises a refill of the sum insured benefit under its optional cover- I-Protect that ensures you a subsequent claim in the same policy year up to the actual 100% of the base sum insured.
Niva Bupa GoActive Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa GoActive ensures that you are medically secured, irrespective of the city you reside in.
You can also take an optional cover with this plan that optimizes your health insurance further, these are:
The GoActive policy of Niva Bupa has extended coverage bandwidth, but it also has some exclusions. Read below what's not covered under the Niva Bupa GoActive insurance policy:
Pre-existing diseases (as specified in the policy wordings)
Behavioral, neurodevelopmental, neurodegenerative and sleep disorders
External congenital anomaly, HIV/AIDS, sexually transmitted diseases or infections, and other related conditions
AYUSH treatments (except in-patient hospitalisation related to alternative therapies)
Dental, eyesight and optical treatments
Experimental or unproven, inconsistent, irrelevant or incidental diagnosis
Obesity/ weight control treatments
Drug or alcohol abuse, rehabilitation due to drug addiction
Puberty and menopause treatments related to women's health, reproductive supplementation and other maternity new-born cover expenses
Robotics-assisted surgical, LASER and light-based treatment
Worldwide medical treatment coverage (excluding emergency hospitalisation caused due to an accidental disability or death)
Unlawful activity
Unrecognized physician or hospital treatment/hospitalisation
Service in the armed forces, police organisation, at war, or service in force of an international institution, participation in the naval, military or air force operations
Participation in marine or aviation including others that are mentioned in the policy schedule
Niva Bupa GoActive plan comes with ultimate health benefits. Apart from that, there are other major benefits of this plan as well, read below to learn more:
To cater to the different medical needs of an individual & their family, Niva Bupa Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to/health-insurance/articles/ explore more:
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Yes, this plan covers up to 10 OPD consultations (as per your policy terms and conditions/coverage)
Yes. The coverage for required health check-ups is available with this plan and you should check it out in your policy documents.
Yes, there are deductible options ranging from INR 25,000 to 10 Lakhs.
This plan covers accidental death, accidental permanent partial disability, and accidental permanent total disability up to INR 25 - 50 Lakhs.
AYUSH treatment is excluded but specifically in-patient treatment under Siddha, Unani, Ayurveda, and Homoeopathy is covered under the GoActive policy.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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