Niva Bupa Money Saver Plan
  • Unlimited e-consultations
  • No Room Rent Capping
  • Lifelong Renewability
Niva Bupa Health Insurance
premium

Network hospitals

10000+

premium

Incurred claim ratio

54.05%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Recognized By Niva BupaPolicyX.com is a Recognised Niva Bupa Partner View Certificate

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10000+

premium

Incurred claim ratio

54.05%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Recognized By Niva BupaPolicyX.com is a Recognised Niva Bupa Partner View Certificate

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Niva Bupa Money Saver Insurance 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.

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

Read further, about the benefits, claim process, eligibility criteria, and coverage specifications of the Niva Bupa Money Saver health plan.

Eligibility Criteria for the Niva Bupa Money Saver Plan

Here are the eligibility criteria, sum insured, waiting period, and other specifications of the Niva Bupa Money Saver insurance policy:

Entry Age

Minimum- 3 Months

Entry Age Max.

Maximum- 65 Years

Policy Type

Individual/ Family floater

Policy Term

1 Year

Sum Insured

INR 10.5 Lakhs - 1 Crore

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.

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.

To know more about the plan, read the policy brochure provided below:

Benefits of Niva Bupa Money Saver Insurance Policy

Niva Bupa Money Saver plan comes with comprehensive health benefits, both on an individual and family floater basis. Apart from that, there are other major benefits of this plan as well, read below to learn more:

  • Lifelong renewability

    The plan offers a lifelong renewal window that gets you covered without any loading charges. This lifelong renewability of your policy is based on the record of your claims.
  • In-house claim settlement

    You can avail of the policy claim benefits without interference from an external agent. The insurer provides you with seamless in-house claim settlement support.
  • Health check-ups

    The policyholder and their family members (with family floater plans) can avail of the health check-up benefits out of the listed tests to keep track of their well-being.
  • Personal accident cover

    A cover for personal accidents under this plan allows you to manage the financial conditions of your family and secure the interest of their life goals/savings.
  • Critical illness cover

    The plan provides cover for cancer and kidney failure-related medical conditions that help you manage all the compulsory treatment needed.
  • 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 Money Saver Plan

There are various sum-insured options with the Niva Bupa Money Saver insurance policy. Read here the specifications of the Money Saver policy:

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 Available

Sub-limits

Not Available

What is Room Rent?

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 Money Saver Plan

Covered

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 Money Saver Plan

Covered

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Niva Bupa Money Saver Plan

Covered up to SI (up to 30 days before hospitalisation)

What is Post Hospitalization?

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

Coverage status under Niva Bupa Money Saver Plan

Covered up to SI (up to 60 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 Money Saver Plan

Covered

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 Money Saver Plan

Covered. All kinds of daycare procedures are covered

What are OPD charges?

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

Coverage status under Niva Bupa Money Saver 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 Money Saver Plan

Covered

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Money Saver Plan

Not Covered

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 Money Saver Plan

Available, 20% cumulative bonus on each claim-free year up to 100% of the base sum insured

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 Money Saver Plan

Not Covered. Except, you can avail of a refill benefit on partial/full exhaustion of the 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 Money Saver Plan

Covered

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 Money Saver Plan

Living organ donor transplant, harvesting costs, and in-patient hospitalisation are 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 Money Saver 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 Money Saver 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 Money Saver Plan

Covered

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 Money Saver 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 Money Saver Plan

Covered.

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 Money Saver Plan

Covered

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 Money Saver 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 Money Saver Plan

Not Applicable

What is Global Coverage?

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

Coverage status under Niva Bupa Money Saver Plan

Not Covered

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 Money Saver Plan

Unlimited consultation (online) 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 Money Saver Plan

Covered. The policyholder can avail of listed health tests.

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 Money Saver Plan

Not Covered

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Niva Bupa Money Saver Plan

Covered only for animal bites, up to INR 5000

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 Money Saver Plan

Not Available

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.

Coverage status under Niva Bupa Money Saver Plan

Not Applicable

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

Claim process of Niva Bupa Money Saver policy

Want to know how you can claim your Money Saver Niva Bupa policy? Follow these steps to initiate a claim:

  • Step 1

    For a planned hospitalisation, inform the insurer a minimum of 72 hours before getting hospitalised. However, in a condition of emergency inform the insurer within 24 hours of hospitalisation. Go on the official website of Niva Bupa Health Insurance Company and click on 'Claim'.

  • Step 2

    The insurer's website will direct you to the pre-authorisation form for raising a claim. Submit all the required details like your health card/policy number, D.O.B., and other personal details on the screen.

  • Step 3

    After receiving the pre-authorisation form details regarding the claim, the insurer will evaluate and verify your claim as per your policy coverage.

  • Step 4

    On an instant verification, you can receive a cashless treatment at the networking hospital of Niva Bupa. Or, if you are getting treated at a non-networking hospital, pay all the medical bills upfront before getting discharged.

  • Step 5

    In case of cashless settlement, you need not pay anything so it becomes easy to get the treatment. In the condition of a reimbursement claim settlement (for non-networking hospitals), submit all the proofs of hospitalisation such as medical bills, diagnostics tests, policy and KYC documents asked by the insurer. Lastly, the insurer will credit all the amount spent on treatment as per your policy's coverage and terms.

The Epilogue

Niva Bupa Money Saver health insurance plan is a comprehensive policy that covers you and your family members in any surge of emergency. Apart from this, accidental protection coverage along with medical treatment expenses related to critical illnesses are included under a single plan. So, if you are planning to buy the Niva Bupa Health Companion plan in complementation with the Niva Bupa Health Recharge super top-up plan, this is your call to buy the Niva Bupa Money Saver health plan instead. This will give you the freedom of paying less premiums, than you would have paid with the two separate policies.

The Niva Bupa Money Saver health insurance plan is one of the best health insurance plans in India for an individual and family. For more queries about the Money Saver policy, visit the official website of PolicyX.com and 'Get a Quote' or shoot your questions at helpdesk@policyx.com or call us at 1800 4200 269.

Explore more plans from Niva Bupa

Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

Comprehensive

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

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 AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Comprehensive

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.

Unique Features

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

Health Reassure Plan (Pros)

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

Health Reassure Plan (Cons)

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

Health Reassure Plan (Other Benefits)

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

Health Reassure Plan (Eligibility Criteria)

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

Comprehensive

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.

Unique Features

  • No room rent capping
  • 20% no-claim bonus on SI
  • 100% SI restoration

Health Companion V2022 (Pros)

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

Health Companion V2022 (Cons)

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

Health Companion V2022 (Other Benefits)

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

Health Companion V2022 (Eligibility Criteria)

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

Comprehensive

A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.

Unique Features

  • Maternity Cover
  • International coverage
  • In-Built travel insurance

NivaBupa Health Premia (Pros)

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

NivaBupa Health Premia (Cons)

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

NivaBupa Health Premia (Other Benefits)

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

NivaBupa Health Premia (Eligibility Criteria)

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

Affordable

A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.

Unique Features

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% No Claim Bonus

NivaBupa Health Pulse (Pros)

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

NivaBupa Health Pulse (Cons)

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

NivaBupa Health Pulse (Other Benefits)

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

NivaBupa Health Pulse (Eligibility Criteria)

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

Digital

A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.

Unique Features

  • Early age enrolment discounts
  • Annually 10 OPD consultations
  • No room rent capping

NivaBupa Go Active (Pros)

  • Pharmacy and Diagnostic Services
  • Domiciliary hospitalization
  • Personal Accident Benefit
  • Refill Benefit
  • Daily health coaching

NivaBupa Go Active (Cons)

  • Maternity Benefit Not available
  • Adventure Sports not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery Not Covered
  • War Injuries not covered

NivaBupa Go Active (Other Benefits)

  • Behavioural Assistance Program
  • Alternate Treatment
  • I-Protect option to increase SI
  • 2 % ICU Cover (per Day)
  • No Room Rent Sub Limit

NivaBupa Go Active (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A complete health plan, providing a wide range of medical benefits along with global emergency coverage.

Unique Features

  • Maternity & New born coverage
  • No room rent capping
  • 10% increase in SI annually

NivaBupa Heart Beat (Pros)

  • Additional Coverage
  • 10% Loyalty Benefit
  • Annual Health Check ups
  • Refill benefits
  • Coverage out of hospitals

NivaBupa Heart Beat (Cons)

  • Obesity Treatment not covered
  • Hazardous Activities not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

NivaBupa Heart Beat (Other Benefits)

  • OPD Consultations
  • Alternative Treatments
  • New Born Baby Cover
  • Pharmacy and diagnostic services
  • No WP up to 45 years

NivaBupa Heart Beat (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable

An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.

Unique Features

  • Up to 200% of SI as NCB
  • Up to 150% of SI restoration
  • Unlimited e-consultation

NivaBupa Super Saver (Pros)

  • Day 1 Health check-up
  • No pre-issuance medical tests
  • Ambulance cover up to Rs 2000
  • ReAssure Benefit
  • No sub-limits

NivaBupa Super Saver (Cons)

  • No Maternity Benefit
  • Adventure Sports not covered
  • STDs not covered
  • Cosmetic Surgery Not Covered
  • Self Inflicted Injuriesnot covered

NivaBupa Super Saver (Other Benefits)

  • Air Ambulance Cover
  • Health Checkup
  • Organ Donor Benefit
  • Ayush Benefit
  • Room selection Option

NivaBupa Super Saver (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Top-up plan

A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.

Unique Features

  • No room rent capping
  • Unlimited E-consultation available
  • Pharmacy and diagnostic services

NivaBupa Health Recharge (Pros)

  • Loyalty Additions up to 50%
  • Pharmacy and Diagnostic Services
  • Personal Accident Cover
  • Easy Plan Convertibility
  • Day Care Treatments Coverage

NivaBupa Health Recharge (Cons)

  • Maternity Treatment not covered
  • Pre-existing Diseases not covered
  • Alcoholism not covered
  • Dietary Supplements not covered
  • No COVID-19 cover

NivaBupa Health Recharge (Other Benefits)

  • Intensive Care Unit charges
  • Domiciliary treatment
  • HIV / AIDS Treatment Covered
  • Artificial Life Maintenance Benefit
  • Room Rent (per day) Up to 1%

NivaBupa Health Recharge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 Lakh - 95 Lakh
  • Waiting Period - 30 Days

Critical Illness

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa CritiCare (Pros)

  • 20 critical illnesses Covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • Direct claim settlement

NivaBupa CritiCare (Cons)

  • Accident Death
  • No Total Disability Cover
  • AIDS Not Covered
  • Child Education Benefit
  • Funeral Expenses

NivaBupa CritiCare (Other Benefits)

  • Flexibility Plan Options
  • Surgeon's Fee Covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

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

Personal Accident

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

Senior Citizen

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Comprehensive Plan

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 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.

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