Niva Bupa Money Saver Plan

Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. It comes in two categories: individual plan type and family floater plan type. The Money Saver plan is designed in such a way that you can get the maximum benefit of two plans combined at affordable premiums.

How are the premiums lower for the Money Saver health plan, than that of buying the Health Recharge plan and Health Companion plan separately? Let’s understand this with an example:-

Suppose a 25-year-old individual Prashant has bought a Niva Bupa Money Saver plan with a sum insured of INR 30 Lakhs. Out of which the separate sum insured by Health Companion is INR 5 Lakhs and the sum insured by the Health Recharge plan is INR 25 Lakhs. For Prashant, who is living in a city (excluding Delhi (NCR), Surat, Kolkata, Mumbai, Thane, Jaipur, Ludhiana, and Pune), the estimated premium amount will be approximately INR 620/month. Upon which you will have to bear INR 5 Lakhs as deductible as per the Health Recharge plan, and the applicable deductible is managed through the coverage of the Health Companion plan.

Niva Bupa Health Insurance Detailed Review

Niva Bupa Money Saver Plan Specifications

To understand Niva Bupa Money Saver Plan Insurance in detail, take a look at the below table:

Entry Age

Minimum- 3 Months Maximum- 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

INR 10.5 Lakhs - 1 Crore

Initial Waiting Period*

30 days Days

Renewability

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.

Read more specifications in the brochure.

Choose Your Niva Bupa Money Saver Plan

With wide coverage options available, Niva Bupa Money Saver Plan 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:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Covered

Sub-limits

Not Covered

Waiting periods for specific conditions under the Niva Bupa Money Saver plan

Read below the waiting period for other medical conditions with the Money Saver insurance policy:

Waiting period for pre-existing disease (diseases that you already have) - 36 months
Specific waiting period for listed illnesses (except cancer-related conditions) - 24 months
Conditions related to cancer - Covered after a 30-day initial waiting period
Accidental conditions- Covered from day 1

Note:- Waiting periods do not apply to e-consultation, personal accident cover and critical illness cover. Refer to policy documents/wordings to know more about exclusions, terms & conditions, etc.

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 Hospital

Additionally, the Niva Bupa Money Saver health plan provides extended coverage from both the supporting plans, the specifications of which are given below:

Health Recharge	Health Companion
All daycare procedures are covered	Pre and post-hospitalization expenses are covered up to SI
A 20% cumulative bonus is added for every claim-free year (up to 100% of the base SI)	Alternative treatments are covered upto SI
Even after a claim, the cumulative bonus remains intact	Hassle-free cashless claim settlement without any interference from an external agent
A 100% SI refill benefit, upon partial/full sum insured exhaustion	Diagnostic and pharmacy services through the verified network
Room rent is covered without any sub-limits (any room except suite or similar)	Unlimited e-consultation/teleconsultation

What are the exclusions under the Niva Bupa Money Saver insurance policy?

The Money Saver policy of Niva Bupa Health Insurance does not cover the following conditions:

Artificial life support

Subsidiary/ancillary hospital charges

Risky or life-threatening activities/sports/adventure

Behavioural, neurodevelopmental and neurodegenerative disorders

Conditions of disaster and conflict

External/ congenital anomaly

Cure and rehabilitation

Cosmetic/beautification/facial surgery

Oral or dental treatment

Optical correction and eyesight complications

Experimental/unproven/undistinguished treatment

Incidental diagnostic procedures

Non-medical expenses

Obesity and weight management treatment

Alcoholism/drug abuse

Menopause and puberty-related health conditions

Fertility and expenses related to the conditions of maternity treatment

Robotic-assisted surgery, LASER and light-based treatment

STDs and similar infections

Unlawful activity and a treatment that's received in any other country than India

Treatment was taken in an unlisted/excluded network of hospitals

Other medical expenses that are not covered in the policy documents

Explore other Niva Bupa Health Insurance

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 Niva Bupa Health Insurance plans explore more:

Critical Illness Health Insurance

Niva Bupa Critical Illness

Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical i...

Unique Features

Features and Benefits
Eligibility and Coverage
Need For Critical Illness Plans?

Niva Bupa Critical Illness (Pros)

Covers 20 critical illness
Accident care benefits
Direct claim settlement

Niva Bupa Critical Illness (Cons)

Cosmetic procedures not covered
Self-harm not covered
Obesity-related treatments not covered

Niva Bupa Critical Illness (Other Benefits)

Cataract treatments
Domestic emergency evacuation
Compassionate travel

Niva Bupa Critical Illness (Eligibility Criteria)

Entry age: 18 - 65 Years
SI: 5 L - 5 Cr
Policy Term: 1/2/3 Years
Initial Waiting Period: 90 Days

Individual and Family Health Insurance

Niva Bupa Aspire Plan

"Introducing a health insurance that rewards you for starting young." A plan that allows you to go for overseas treatment. Several health insurance p...

Unique Features

Global Treatment
Provides Maternity Cover
Lock the Clock

Niva Bupa Aspire Plan (Pros)

Overseas treatment coverage
Booster benefit
Covers organ donor transplant
Second medical opinion
Teleconsultation

Niva Bupa Aspire Plan (Cons)

No suicide cover
No war injury cover
Baby food & utility charges excluded
Laundry charges excluded
No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

4 unique variants of the plan
Cash-bag benefit
WellConsult OPD Wallet
Cashless claim settlement
AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

Entry age - 18 years
Max entry age - No age limit
SI - INR 3L to 1 Cr
Waiting Period - 30 days

Individual and Family Health Insurance

Arogya Sanjeevani Policy

With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is...

Unique Features

COVID-19 treatment coverage
Pre and post-hospitalisation cover
Lower co-pay on your claims

Arogya Sanjeevani Policy (Pros)

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

Arogya Sanjeevani Policy (Cons)

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

Arogya Sanjeevani Policy (Other Benefits)

Individual & family floater plan
Cashless claim settlement
Upto 2 Cr SI
Premiums are affordable

Arogya Sanjeevani Policy (Eligibility Criteria)

Min. Entry Age - 3 Months - 25 Years
Adult Entry Age - 18 - 65 Years
SI - 50000 - 10 L
Initial Waiting Period - 30 Days

Top Up and Super Top Up

Niva Bupa Health Recharge

Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Recharge (formerly known as Max Bupa Health Recharge) i...

Unique Features

Get covered for HIV/AIDS
Loyalty addition of 5% on SI
Discounts on pharmacy and diagnostic services

Niva Bupa Health Recharge (Pros)

Loyalty addictions up to 50%
Pharmacy and diagnostic services
Personal accident cover
Easy plan convertibility
Easy plan convertibility
Day care treatment coverage

Niva Bupa Health Recharge (Cons)

Maternity treatment not covered
Pre-exisiting diseases not covered
Alcoholism not covered
Dietary supplements not covered
No COVID-19 cover

Niva Bupa Health Recharge (Other Benefits)

Intensive care unit charge
Domiciliary treatment
HIV/AIDS treatment covered
Artificial life maintenance benefits
Room rent per day up to 1%

Niva Bupa Health Recharge (Eligibility Criteria)

Min- 18 years
Max- 65 years

Individual and Family Health Insurance

Niva Bupa GoActive

Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs. There could be several incidences that lead us t...

Unique Features

Personal accident coverage
Home health care cover
Early age AdvantAGE benefit

Niva Bupa GoActive (Pros)

Pharmacy and diagnostic services
Domiciliary hospitalisation
Personal accident benefits
Refill benefits
Daily health coaching

Niva Bupa GoActive (Cons)

Maternity benefit not available
Adventure sports not covered
HIV/AIDS not covered
Cosmetic surgery not covered
War injuries not covered

Niva Bupa GoActive (Other Benefits)

Behavioural Assistance Program
Alternative treatment
I-Protect options to increase SI
2% ICU cover per day. No room rent capping

Niva Bupa GoActive (Eligibility Criteria)

Min. Entry age- 18 Years
Max. Entry Age- 65 Years
SI - 4 - 10 L
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa Super Saver Policy

Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recha...

Unique Features

Lifetime renewability
Unlimited e-consultations
Cover for modern treatments

Niva Bupa Super Saver Policy (Pros)

Annual health check-up included
Pharmacy and diagnostic services included
Domiciliary treatment covered

Niva Bupa Super Saver Policy (Cons)

Investigation and evaluation not included
Any conflict or disaster not included
Maternity expenses is excluded

Niva Bupa Super Saver Policy (Other Benefits)

Lifetime renewability
Unlimited e-consultations
Cover for modern treatments

Niva Bupa Super Saver Policy (Eligibility Criteria)

Min. Entry Age - 18 Years
Max. Entry Age - 65 Years
SI - 10.5 L - 1 Cr
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa Money Saver Plan

Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. I...

Unique Features

Unlimited e-consultations
No Room Rent Capping
Lifelong Renewability

Niva Bupa Money Saver Plan (Pros)

All day care procedures covered
Every claim free year adds up to 20% of base sum insured as bonus
Accumulated bonus doesn& 039;t reduce even after claim

Niva Bupa Money Saver Plan (Cons)

Oral or dental treatment not covered
Cure and rehabilitation not covered
Incidental diagnostic procedures not covered

Niva Bupa Money Saver Plan (Other Benefits)

Niva Bupa Money Saver Plan (Eligibility Criteria)

Minimum- 3 Months Maximum- 65 Years

Individual and Family Health Insurance

Niva Bupa ReAssure Plan

A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives...

Unique Features

Coverage for Modern Treatments
Live Healthy Benefit
Get Personal Accident Coverage

Niva Bupa ReAssure Plan (Pros)

Booster benefit
Organ donor transplant
ReAssure
Live Healthy Benefit
Second Medical Opinion

Niva Bupa ReAssure Plan (Cons)

No OPD Cover
No Maternity Cover
No Sleep Disorder Covered
No Suicide Cover
No War Injury Cover

Niva Bupa ReAssure Plan (Other Benefits)

Air Ambulance
Hospital Cash
Personal Accident Cover
Domiciliary hospitalization
Day care treatment

Niva Bupa ReAssure Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - No Age Limit
SI - 3 L to 1 Cr
Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Health Companion

The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected m...

Unique Features

No-claim Bonus up to 100% of SI
No Room Rent Capping
Vaccination for Animal Bite

Niva Health Companion (Pros)

5% Doctor Discount
10% Family discount
Tenure Discounts of upto 15 %
Annual Aggregate Deductible
Home Care Treatments

Niva Health Companion (Cons)

No OPD Cover
No Maternity Cover
Cosmetic Surgery Uncovered
Specific Diseases after 2 yrs
No Alcoholism Cover

Niva Health Companion (Other Benefits)

Air Ambulance
Modern Treatments
Vaccination on Animal Bite
Organ Donor Benefit
Domiciliary treatments

Niva Health Companion (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - No Age Limit
SI - 3 L to 1 Cr
Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa Reassure 2.0 Health Plan

Nothing Seems Impossible A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the various fu...

Unique Features

High Sum Insured
Lock Your Premiums
Booster+ Benefit

Niva Bupa Reassure 2.0 Health Plan (Pros)

Personal accidents covered
Acute Care
Emergency Ambulance
Three Plan variants
Home Care Treatments

Niva Bupa Reassure 2.0 Health Plan (Cons)

No OPD Cover
No Maternity Cover
No Sleep Disorder Covered
Pre-Existing Diseases after 3 yrs.
Alcoholism not covered

Niva Bupa Reassure 2.0 Health Plan (Other Benefits)

Air Ambulance
Modern Treatments
Second Opinion
Booster Benefit
Shared Accommodation Benefit

Niva Bupa Reassure 2.0 Health Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - No Age Limit
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa Health Premia Plan

Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their family. The plan offers wide...

Unique Features

Benefits and Features of Health Premia
Comparison of Silver Gold and Platinum
Sample Premium Rates of Plan

Niva Bupa Health Premia Plan (Pros)

Refill benefit for any illness
10% Loyalty Additions in SI
Tenure Discounts of upto 15 %
Worldwide Maternity Benefit
In-patient care

Niva Bupa Health Premia Plan (Cons)

No OPD Cover
No HIV/AIDS Covered
20% co-payment
Pre-existing Diseases after 2 yrs
Treatment for Alcoholism

Niva Bupa Health Premia Plan (Other Benefits)

Zonal Coverage available
Pharmacy and diagnostic services
Opt for additional features
Living Organ Donor Benefit
Premium waiver and portability

Niva Bupa Health Premia Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 1 Cr
Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa Health Pulse

Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Pulse Plan protects you and your family's health and pr...

Unique Features

Know About Max Bupa Health Pulse Plan
Eligibility and Age Restrictions
Learn More About Its Key Features

Niva Bupa Health Pulse (Pros)

Optional benefits available
150% Refill Benefit
Annual Health Checkup
Emergency Ambulance
Living Organ Donor Benefit

Niva Bupa Health Pulse (Cons)

Conflict and Disaster cases
20% co-payment
No Maternity Benefit
Cosmetic surgeries
Treatment for Alcoholism

Niva Bupa Health Pulse (Other Benefits)

Operation Theatre Coverage
Modern Treatments
Personal Accident Cover
e-Consultation
Daily Hospital Cash

Niva Bupa Health Pulse (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 25
Waiting Period - 30 Days

Senior Citizen Health Insurance

Niva Bupa Senior First Plan

Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...

Unique Features

High-sum insured options
Rewards and loyalty benefits
Multiple plan variants

Niva Bupa Senior First Plan (Pros)

High-sum insured options
Rewards and loyalty benefits
Multiple plan variants

Niva Bupa Senior First Plan (Cons)

ICU charges not covered
OPD coverage not available
Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

No sub-limits are applicable for common health conditions
Waive off co-payment on applying deductibles
No mandatory pre-issuance medical tests

Niva Bupa Senior First Plan (Eligibility Criteria)

Min. Entry Age - 61 Years
Max. Entry Age - 75 Years
SI - 5 - 25 L
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Personal Accident Care Plan

Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-ba...

Unique Features

Child Education
Funeral Expenses Cover
TTD/PTD Cover

Personal Accident Care Plan (Pros)

Child education benefit
Funeral expenses covered
Total and partial disability covered

Personal Accident Care Plan (Cons)

Adventure sports not covered
No coverage for cosmetic procedures
Self-harm not covered

Personal Accident Care Plan (Other Benefits)

Lifetime renewability offered
Long-term discounts
High sum insured options

Personal Accident Care Plan (Eligibility Criteria)

Min. Entry Age - 18 Years
Max. Entry Age - 65 Years
SI - 5 L - 5 Cr
Initial Waiting Period - 30 Days

Critical Illness Health Insurance

Criti Care Plan

CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! The critical illness can be contagi...

Unique Features

Enhanced Coverage
Eligibility
Sample Premium

Criti Care Plan (Pros)

20 critical illnesses covered
Long-term tenure savings
Different pay-out options
Tax benefits
DIrect claim settlement

Criti Care Plan (Cons)

Accident death
No total disability cover
AIDS not covered
Child education benefit
Funeral expenses

Criti Care Plan (Other Benefits)

Flexibility plan options
Surgeon fees covered
Renewal for life
Diagnostic Procedures/Therapies
Prosthetic implants covered

Criti Care Plan (Eligibility Criteria)

Min- 18 years
Max- 65 years

Niva Bupa Money Saver Plan: FAQs

1. What kind of policy is the Niva Bupa Money Saver health plan?

Niva Bupa Money Saver health plan is a comprehensive policy that is suitable for an individual policyholder as well as a family.

2. What is the maximum sum insured of this policy?

The maximum coverage for the base sum insured of the Niva Bupa Money Saver plan is INR 1 Crore.

3. Can I renew the Niva Bupa Money Saver health policy after its expiration?

Yes, you can avail of a lifelong renewability benefit which allows you to keep renewing this policy for as long as you want to.

4. What is the role of Health Companion and Health Recharge health plans in the Money Saver plan?

The Money Saver health policy consists of these two health plans- Health Companion and Health Recharge to provide maximum benefits at an affordable premium rate without losing on comprehensivity of the medical coverage benefits.

5. Does this policy cover medical expenses related to treatment taken outside India?

No. The plan does not cover the costs of such treatment.