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.
Choose your Niva Bupa GoActiveTM family floater plan:
1 Adult
1 Adult + 1 Child
1 Adult + 2 Children
2 Adults
2 Adults + 1 Child
2 Adults + 2 Children
2 Adults + 3 Children
2 Adults + 4 Children
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.
Optional covers under the GoActive plan
You can also take an optional cover with this plan that optimizes your health insurance further, these are:
Health coaching
The app with regular health coaching encourages you to follow your lifestyle and health goals and promotes living healthy every day. You also get to track your health measure activities with this application, you just need to install the app on your phone.
I-Protect
There's another measure for beating the inflation of the healthcare sector, the plan offers a 10% loyalty increment with the base sum insured without any capping on the medical expenses. You get this benefit on every renewal so that you live worry-free of skyrocketing medical bills.
Personal accidental coverage
The insurer covers all kinds of injuries, hospitalisation, and treatment that occur due to an accident. Apart from this, accidental death and accidental permanent partial and total disabilities are covered by this policy.
Annual aggregate deductible top-up
You get a top-up for an annual aggregate deductible option with this plan that has a ranging amount from INR 25,000 to 10 Lakhs. This page discusses A to Z of the Niva Bupa GoActive insurance plan, read further to know more.
Eligibility Criteria for the Niva Bupa GoActive Plan
Child Entry Age
91 Days - 21 Years
Adult Entry Age
18 - 65 Years
Policy Type
Individual/ Family floater
Policy Term
1 year
Sum Insured
INR 4 - 25 Lakhs
Initial Waiting Period*
30 Days
*The Initial Waiting Period is the 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.
To know more about the plan, read the policy brochure provided below:
What are the waiting periods for the Niva Bupa GoActive plan?
Below-mentioned specifications are the standard conditions with different waiting periods, such as:
Pre-existing diseases- 36 months
Accidental cover- Day 1
Cancer conditions- 30 days
Specific medical conditions- 24 months
Not applicable waiting periods- OPD consultations, diagnostic tests, teleconsultations, annual health check-ups, second medical opinion, and other optional benefits that are mentioned in policy documents
Benefits of Niva Bupa GoActive Insurance Policy
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:
Early age AdvantAGE
If you start your policy at less than or equal to 35 years of age, there will be lifetime discounts on your health policy renewal. Moreover, you'll get a 10% discount on the payable premiums on your first year of the policy term and further on.
Comprehensivity
Along with the medical cover for in-patient and out-patient hospitalisations, pre and post-hospitalisations, you also get the OPD consultation, annual health check-up of your choice, home healthcare cover benefits, and so on.
I-Protect
If you want to save some more money on premiums, this optional cover under the Niva Bupa GoActive plan will give you an assured 10% increase with the base sum insured. Regardless of how many times you claim against your policy, reward as a loyalty benefit and renewal of your policy with no break are other standout features of this plan.
Behavioural assistance programs
Your insurer knows that with physical health, it's also important to be mentally and emotionally stable. So, you can receive up to three expert counselling sessions regarding a pre-marital concern, nutritional information, stress management, child and parenting. You can avail of these counselling services by calling the teleconsultation contact number +91 72900-44777 of the company.
Tax benefits
You can avail of a tax exemption benefit with this plan under Section 80D of the Income Tax Act, 1961.
Choose your Niva Bupa GoActive Plan
There are various sum-insured options with the Niva Bupa G Active insurance policy. Read here the specifications of the Niva Bupa GoActive Plan:
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Niva Bupa GoActive Plan
Covered for Sum Insured INR 5 Lakhs and above, all kinds of rooms except for the suite and above
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Niva Bupa GoActive Plan
Covered for Sum Insured larger than 5 Lakhs and 2% of Base Sum Insured
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Niva Bupa GoActive Plan
Covered up to SI (up to 90 days before hospitalisation)
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Niva Bupa GoActive Plan
Covered up to SI (up to 180 days after hospitalization)
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Niva Bupa GoActive Plan
Covered up to SI
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Niva Bupa GoActive Plan
Covered up to SI
What are OPD charges?
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Niva Bupa GoActive Plan
Covered
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Niva Bupa GoActive Plan
Not covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Niva Bupa GoActive Plan
Covered after a specified waiting period of 24 months
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Niva Bupa GoActive Plan
Not applicable
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Niva Bupa GoActive Plan
Applicable up to 100% of the base sum insured
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Niva Bupa GoActive Plan
Not applicable
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Niva Bupa GoActive Plan
Living organ donor transplant covered up to SI
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Niva Bupa GoActive Plan
Not covered
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under Niva Bupa GoActive Plan
Not covered
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Niva Bupa GoActive Plan
Not covered, except in-patient treatment taken under alternative treatment benefit
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Niva Bupa GoActive Plan
Not Available
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Niva Bupa GoActive Plan
Covered up to the Sum Insured with a sub-limit of INR 1 Lakh on a few robotic surgeries
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Niva Bupa GoActive Plan
Covered up to INR 3,000 per hospitalisation
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Niva Bupa GoActive Plan
Not covered
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Niva Bupa GoActive Plan
Not Applicable
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Niva Bupa GoActive Plan
Covered only for accidental death, accidental permanent partial and total disability
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Niva Bupa GoActive Plan
Covered
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Niva Bupa GoActive Plan
The policyholder can avail of diagnostic tests and annual health check-ups of their choice
What is a Second Medical Opinion?
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 status under Niva Bupa GoActive Plan
Covered. One opinion per insured person per specified illness / planned surgery / surgical procedure
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Niva Bupa GoActive Plan
Not covered
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Niva Bupa GoActive Plan
Applicable only for Zone-2 policyholders. All India coverage with 20% co-payment applicable for treatment in Mumbai (including Thane and Navi Mumbai), Delhi NCR, Kolkata & Gujarat state.
This co-payment shall not apply to OPD consultation, emergency ambulance, health checkup / diagnostic tests, second medical opinion, behavioural assistance programs and personal accident cover.
What is the Sub limit?
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.
What is the status of the sub-limit under the Niva Bupa Aspire Start Young Plan?
Applicable
What are the exclusions under the Niva Bupa GoActive insurance policy?
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 Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 32 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.
Want to know how you can claim your GoActive Niva Bupa policy? Follow these steps to initiate a claim:
Step 1
If it's a planned hospitalisation, you need to inform your insurer at least 72 hours before getting admitted to the networking hospital. However, if there's an emergency rush the policyholder needs to reach out and inform the TPA at the administrator's helpdesk of the hospital.
Step 2
Keep your ID proofs including Aadhar, PAN, Voter's card, Driver's License, Passport, etc handy. The most important document that you need to carry along with you is the insurance health card of Niva Bupa Health Insurance.
Step 3
Collect the claim intimation form from the TPA's desk, fill in all the required details and submit the form to your insurer's TPA. Upon receiving all the necessary documents, the hospital administration will verify them thoroughly and then send them to your insurer.
Step 4
The Niva Bupa Health Insurance Company will cross-verify all the details submitted by you and the relevant report from the hospital administration regarding your hospital admission. Upon completion of claim application procedures, Niva Bupa (formerly, Max Bupa) Health Insurance will assign a relationship manager who will guide you through all the procedures through claim settlement.
Step 5
After all this, sign the no objection letter in the hospital that says you're going to get hospitalised for specific reasons. You'll receive the treatment at the insurer's network hospital and all the incurred medical expenses will be settled between the company and the hospital.
Point of View
Last but not least, 'Health is Wealth.' Niva Bupa GoActive policy is an all-around health insurance plan that covers the majority of your healthcare needs. In addition to this, you also get a wellness tracking application that acts as your health coach ensuring you with continuous health and lifestyle management
The Niva Bupa GoActive health insurance plan is one of the best health insurance plans in India, if you are planning to buy one. PolicyX.com deals with the best health insurance plans of Niva Bupa, which you should check out once. You can also ask your questions to our health insurance experts at 1800 4200 269 or slide it on helpdesk@policyx.com.
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
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
AccidentCare (Pros)
Funeral Expenses
Accidental OPD
Adventure Sports Cover
Elderly Care Cover
Burns Cover
AccidentCare (Cons)
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
NivaBupa Money Saver
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
Booster+ Benefit
Lock premiums at entry age
Health check-ups from day 1
Health ReAssure 2.0 Plan (Pros)
Personal accidents covered
Acute Care
Emergency Ambulance
Three Plan variants
Home Care Treatments
Health ReAssure 2.0 Plan (Cons)
No OPD Cover
No Maternity Cover
No Sleep Disorder Covered
Pre-Existing Diseases after 3 yrs.
Alcoholism not covered
Health ReAssure 2.0 Plan (Other Benefits)
Air Ambulance
Modern Treatments
Second Opinion
Booster Benefit
Shared Accommodation Benefit
Health ReAssure 2.0 Plan (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - No Age Limit
SI - 5 L to 1 Cr
Waiting Period - 30 Days
Suraksha Plan
Niva Bupa Saral Suraksha Bima
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
Large Sum Insured
High sum insured
Up to 50 % Cumulative Bonus
Saral Suraksha Bima (Pros)
Accidental Death Covered
Pay Rs 296 monthly as premium
Education Grant to children
Temporary Total Disablement
Hospitalisation due to an accident
Saral Suraksha Bima (Cons)
No Maternity Benefit
No Disablement Claims
War Injuries not covered
Accident through intoxication
COVID-19 death not covered
Saral Suraksha Bima (Other Benefits)
30-minute cashless claims
Paperless Reimbursement
Road Ambulance Covered
Emergency Treatment Covered
Hassle Free Renewal Process
Saral Suraksha Bima (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 2.5 L to 1 Cr
Waiting Period - 30 Days
Corona Plan
Niva Bupa Corona Kavach
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
Ventilator Expenses Included
PPE Kit expense Included
Covers ICU Charges
Niva Bupa Corona Kavach (Pros)
Home Care Treatment Expenses
Hospitalisation Coverage
Pre and Post Hospitalisation
Hassle-free Claims
AYUSH Treatments Coverage
Niva Bupa Corona Kavach (Cons)
OPD and Day Care Treatment
Evaluation and Investigations
Rehabilitation
Dietary supplements
COVID Claim
Niva Bupa Corona Kavach (Other Benefits)
Coverage for Parents & PILs
Coverage for Dependent Children
Road Ambulance Covered
Hospital Daily Cash
Spouse Cover Available
Niva Bupa Corona Kavach (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 Lakh
Waiting Period - 30 Days
Niva Bupa- GoActive Plan: FAQs
1. Does the Niva Bupa GoActive plan cover OPD treatment?
Yes, this plan covers up to 10 OPD consultations (as per your policy terms and conditions/coverage)
2. Can I avail of health check-ups with my Niva Bupa GoActive policy?
Yes. The coverage for required health check-ups is available with this plan and you should check it out in your policy documents.
3. Is there any deductible option with the GoActive policy of Niva Bupa?
Yes, there are deductible options ranging from INR 25,000 to 10 Lakhs.
4. What is an accidental coverage benefit with the Niva Bupa GoActive plan?
This plan covers accidental death, accidental permanent partial disability, and accidental permanent total disability up to INR 25 - 50 Lakhs.
5. Is AYUSH treatment covered with the Niva Bupa GoActive insurance plan?
AYUSH treatment is excluded but specifically in-patient treatment under Siddha, Unani, Ayurveda, and Homoeopathy is covered under the GoActive policy.
PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.
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April 8, 2024
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April 8, 2024
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April 8, 2024
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April 8, 2024
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Allahabad
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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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