Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recharge. When these plans are combined, the premiums get affordable without compromising on any health coverage benefits of the two. You can buy the Niva Bupa Super Saver health policy for yourself or your family, as it comes in both the categories; individual and family floater plan.
The major benefits of the plan include; in-patient hospitalisation, pre and post-hospitalisation, domiciliary hospitalisation, daycare procedures treatment, emergency ambulance, health check-ups, hospital accommodation, and organ transplant cover. Additionally, you can avail of unlimited consultation, tax benefits, modern treatment, lifelong renewability, alternative treatments, multi-year discounts, and so on.
Apart from this, the Super Saver Niva Bupa health policy has additional criteria for add-on covers, specifications of which are given below:
Add-on covers with Niva Bupa Super Saver policy
Personal accidental cover
Accidental death, accidental permanent total disability, and accidental permanent partial disability are covered.
Critical illness cover
The major categories of critical illnesses are covered such as; cancer, open heart replacement, CABG, stroke, bone marrow/major organ transplant, kidney failure, and so on.
Hospital cash benefit
If you are hospitalised for more than 48 hours in the hospital, the insurer will pay daily hospital cash up to a maximum of 30 days.
Room rent modification
If the base policy implies a room rent capping at the rate of 1%, you have the freedom to optimize it with a single private room and that will be covered up to your policy's sum insured. Given that, you have a policy with a sum insured up to INR 4 Lakhs with an opted deductible of INR 50,000.
No-claim bonus enhancement
If your sum base insured is about to expire, you can enhance the no-claim bonus of running year policy by 20% for every claim-free policy term, up to 200%.
Enhancement of refill benefit
You can refill the value of your base sum insured by 150% if the sum insured limit is about to expire.
Read further to understand the eligibility criteria for buying a Super Saver policy, the benefits of buying it, specifications and coverage benefits, how to claim and much more.
Eligibility Criteria for the Niva Bupa Super Saver Plan
Here are the eligibility criteria, sum insured, waiting period, and other specifications of the Niva Bupa Super Saver insurance policy:
Entry Age
Minimum- 18 Years
Adult Entry Age
Maximum- 65 Years
Policy Type
Individual/ Family floater
Policy Term
1/2/3 Year/s
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
To know more about the plan, read the policy brochure provided below:
Benefits of Niva Bupa Super Saver Insurance Policy
Niva Bupa Super Saver plan provides ultimate coverage, the major sets of this health plan's benefits are mentioned below:
In-house claim settlement
With Niva Bupa's health insurance policy, you can feel assured of a hassle-free cashless claim settlement as the insurer has an in-house claim settlement cell.
Health check-ups
You or your insured family members (with family floater plans) can receive health check-up benefits so that you can be aware of any discrepancies related to your health.
Multi-year discounts
If the policyholder chooses an option for multi-year premium payments, there will be a rewarding discount on payable premiums. For example, for a 2nd year payment, avail a discount of 7.5%, and for a 3rd year payment, avail a discount of 15%.
Lifelong renewability
You can renew your policy as long as you're alive, with no additional/loading charges according to your claim history.
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 Super Saver Plan
There are various sum-insured options with the Niva Bupa Super Saver insurance policy. Read here the specifications of the Super 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
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
Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Limitations
Co-payment
Available
Sub-limits
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 the Niva Bupa Super Saver Plan
Covered for only a single private room.
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under the Niva Bupa Super Saver Plan
Covered up to the sum insured
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the Niva Bupa Super Saver Plan
Covered up to the sum insured
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the Niva Bupa Super Saver Plan
Covered up to the sum insured
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 the Niva Bupa Super Saver Plan
Covered up to the sum insured
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under the Niva Bupa Super Saver Plan
Covered up to the sum insured
What are OPD charges?
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under the Niva Bupa Super Saver Plan
Covered up to the sum insured
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 the Niva Bupa Super Saver Plan
Covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under the Niva Bupa Super 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 the Niva Bupa Super Saver Plan
Available
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 the Niva Bupa Super Saver Plan
Not Covered. Except, you can avail of a refill benefit on 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 the Niva Bupa Super 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 the Niva Bupa Super 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 the Niva Bupa Super Saver Plan
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 the Niva Bupa Super 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 the Niva Bupa Super Saver Plan
Covered up to the sum insured
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 the Niva Bupa Super 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 the Niva Bupa Super 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 the Niva Bupa Super Saver Plan
Covered up to INR 2,000 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 the Niva Bupa Super Saver Plan
Covered only within India to transfer the patient from one place to the hospital in case of emergency
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 the Niva Bupa Super Saver Plan
Applicable up to an extent of the mentions in your policy's terms and conditions
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under the Niva Bupa Super 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 the Niva Bupa Super 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 the Niva Bupa Super Saver Plan
Covered. Annual, from 2nd policy year onwards.
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 the Niva Bupa Super Saver Plan
Available
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the Niva Bupa Super Saver Plan
Covered only for newborn expenses for vaccination till the baby turns 1 year old
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 the Niva Bupa Super Saver Plan
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 the Niva Bupa Super Saver Plan
Applicable; for specified illness cover, and the conditions covered up to an extent of the policy documents.
What are the exclusions under the Niva Bupa Super Saver insurance policy?
Here is a list of standard exclusions (what's not covered) of the Niva Bupa Super Saver health plan:
Investigation & evaluation
Rest cure, rehabilitation and respite care
Obesity/ weight control
Change-of-gender treatments, unproven treatments
Cosmetic or plastic surgery/beautification treatment
Hazardous activities or adventure sports
Breach of law/unlawful activity
Excluded service providers
Refractive error
Birth control, sterility and infertility
Maternity related expenses
Condition of conflict & disaster
External congenital anomaly
Others (refer to your policy documents for the extended list of exclusions)
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.
Follow the below-mentioned steps to claim your Super Saver health insurance policy:
Step 1
Inform the insurer at least a minimum of 72 hours before getting hospitalised in case of pre-planned hospitalisation. Or inform your insurer within 24 hours of hospitalisation if you were hospitalised in an emergency.
Step 2
Go to the official website of Niva Bupa Health Insurance and click on 'Claim'.
Step 3
You will be redirected to a pre-authorisation form page and raise a claim against your Niva Bupa Super Saver policy. Fill in all the required personal details like- policy number, date of birth, phone number, etc.
Step 4
Your pre-authorisation form will be verified by the insurer and they will settle all the medical bills incurred due to hospitalisation/treatment directly with the hospital (for cashless settlement). However, if you are taking treatment at a non-networking hospital, pay all the medical expenses from your account.
Step 5
Submit the proof of hospitalisation like medical bills, diagnostics test reports, policy documents, KYC documents, and others that are asked by your insurer. If the claim for treatment aligns with the terms and conditions of your policy documents, all the hospitalisation expenses will get reimbursed.
The Niva Bupa Super Saver health policy covers all kinds of basic hospitalisation benefits, daycare procedures, modern treatments, health check-ups, domiciliary benefits, and so on. What else would be better than getting all medical coverage benefits in a single place? The combination of the Niva Bupa Health Pulse and Niva Bupa Health Recharge makes the Niva Bupa Super Saver policy. It gives you the freedom to choose additional coverage benefits that come as an add-on or optional cover to enhance the medical coverage range.
Do you have any further queries related to the Super Saver policy? Reach out to our health insurance experts at PolicyX.com. You can also send us a query on 1800 4200 269, or shoot us an email at helpdesk@policyx.com.
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:
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 Super Saver health policy: FAQs
1. Is COVID-19 treatment covered under the Niva Bupa Super Saver policy?
Yes, the treatment costs related to COVID-19 are covered under this policy.
2. What is the applicability of policy tenure under the Super Saver plan?
You can buy the Niva Bupa Super Saver health policy for a policy tenure of 1, 2, or 3 year/s
3. Is there any optional cover available for the Super Saver health insurance plan?
Yes, you can opt for an optional cover that includes personal accident, critical illness, room rent hospital cash enhancement, and so on. Check above the detailed optional covers available with this plan.
4. Can I avail of the daycare procedure treatment under this plan?
Yes, the plan covers daycare procedures like ENT, and dental, along with other conditions.
5. What are the modern treatments covered under the Niva Bupa Super Saver policy?
The Niva Bupa Super Saver health policy covers modern treatments like oral chemotherapy, robotic surgeries, intravitreal injections, deep brain stimulation, etc.
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.
Akshat R Verma
Allahabad
April 8, 2024
PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.
Akash Banerjee
Pune
April 8, 2024
The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.
Sarthak Parmal
Delhi
April 8, 2024
I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.
Trishna Rohilla
Bengaluru
April 8, 2024
I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...
Sunaina Khanna
Ahmedabad
April 8, 2024
All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents
Babita Thapa
Allahabad
April 8, 2024
I had some reimbursement claim queries related to the Niva Bupa Aspire policy, the customer support team of PolicyX understood my requirement and they stood by me to get the claim.
Ritu Mandotkar
Guwahati
April 8, 2024
I lost my grandmother because my family did not have so much wealth or savings to get her treatment done. But I decided to buy health insurance for my parents and now I feel relieved because my...
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.
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
