Niva Bupa Health Premia

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 Health Premia Plan?

Covered up to SI

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Niva Bupa Health Premia Plan?

Covered up to SI

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Niva Bupa Health Premia Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 90 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Niva Bupa Health Premia Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Niva Bupa Health Premia Plan?

Covered up to SI

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Niva Bupa Health Premia Plan?

Covered up to SI

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Niva Bupa Health Premia Plan?

Not Covered

For Individual/ Family Floater: Covered up to 50K per policy

For Family First: Covered up to 35K per policy

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Niva Bupa Health Premia Plan?

COVID-19 treatment coverage is available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Health Premia Plan?

Not available

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 Health Premia Plan?

Available

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 Health Premia Plan?

Available

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 Health Premia Plan?

The plan offers Organ Donor coverage up to the selected Sum Insured.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Niva Bupa Health Premia Plan?

This plan covers Ambulance charges for both Network & Non-Network Hospitals.

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 Health Premia Plan?

Covered up to SI

Refers to the travelling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Niva Bupa Health Premia Plan?

Covered up to SI

Any kind of medical/health emergency when you are outside of India.

Coverage status under Niva Bupa Health Premia Plan?

Not available

Available

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 Health Premia Plan?

The plan offers unlimited tele/online consultations.

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 Health Premia Plan?

Not Available
Available worldwide, one opinion per insured person.

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.

Status under Niva Bupa Health Premia Plan?

No applicable co-payment.