Niva Bupa GoActive

Overview

The Niva Bupa GoActive plan offers exclusive features to meet all your health insurance needs.

Hospitalizations can occur unexpectedly, and owning health insurance provides financial security, especially when it's too late to buy it. It is advisable to purchase health insurance at a younger age, ideally in your 20s or 30s. The Niva Bupa GoActive health plan offers an 'Early Age AdvantAGE' benefit, providing renewal discounts for those who purchase the policy at a younger age.

The Niva Bupa GoActive plan is a comprehensive health insurance policy available on an individual or family floater basis. It covers various aspects, including hospitalization expenses, alternative treatments, and home healthcare. Additionally, it includes a behavioral assistance program and personal health check-ups. The family floater option provides complete coverage for your family members.

Niva Bupa GoActive Family Floater Plan Options

• 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 includes a refill benefit for the sum insured under its optional I-Protect cover, allowing for subsequent claims up to 100% of the base sum insured within the same policy year.

Inclusions

• Health Coaching

  The health coaching app encourages you to follow lifestyle and health goals, promoting daily well-being. It also allows you to track your health activities.

• I-Protect

  This option helps combat healthcare inflation by offering a 10% loyalty increment to the base sum insured on every renewal, with no capping on medical expenses.

• Personal Accidental Coverage

  This cover includes injuries, hospitalization, and treatment resulting from an accident. It also covers accidental death and accidental permanent partial and total disabilities.

• Annual Aggregate Deductible Top-Up

  An annual aggregate deductible top-up option is available, ranging from INR 25,000 to INR 10 Lakhs.

Exclusions

The GoActive policy of Niva Bupa has extended coverage, but it also has some exclusions. Below are the exclusions under the Niva Bupa GoActive insurance policy:

• Pre-existing diseases (as per policy wordings)
• Behavioral, neurodevelopmental, neurodegenerative, and sleep disorders
• External congenital anomalies, HIV/AIDS, sexually transmitted diseases or infections, and related conditions
• AYUSH treatments (except in-patient hospitalization for alternative therapies)
• Dental, eyesight, and optical treatments
• Experimental, unproven, inconsistent, irrelevant, or incidental diagnosis
• Obesity/weight control treatments
• Drug or alcohol abuse, and rehabilitation for drug addiction
• Puberty and menopause treatments related to women's health, reproductive supplementation, and other maternity/newborn cover expenses
• Robotics-assisted surgical, LASER, and light-based treatments
• Worldwide medical treatment coverage (excluding emergency hospitalization due to accidental disability or death)
• Unlawful activity
• Unrecognized physician or hospital treatment/hospitalization
• Service in armed forces, police organizations, at war, or participation in naval, military, or air force operations for an international institution
• Participation in marine or aviation activities, including others mentioned in the policy schedule

Benefits of Niva Bupa GoActive Insurance Policy

The Niva Bupa GoActive plan comes with ultimate health benefits. Read on to learn more:

• Early Age AdvantAGE

  Policyholders aged 35 years or less at policy inception receive lifetime discounts on renewals. Additionally, a 10% discount is applied to payable premiums in the first year and subsequent renewals.

• Comprehensivity

  This plan offers comprehensive coverage for in-patient and out-patient hospitalizations, pre and post-hospitalization expenses, OPD consultations, annual health check-ups, and home healthcare benefits.

• I-Protect

  This optional cover provides a 10% increase in the base sum insured, helping to mitigate rising healthcare costs. It also offers loyalty benefits and ensures policy renewal without breaks, regardless of claim frequency.

• Behavioral Assistance Programs

  Recognizing the importance of mental and emotional well-being, the plan offers up to three expert counseling sessions for pre-marital concerns, nutritional information, stress management, and child and parenting advice. These services can be accessed via teleconsultation at +91 72900-44777.

• Tax Benefits

  You can avail tax benefits under Section 80D of the Income Tax Act, 1961, with this plan.