Niva Bupa Super Saver Health Insurance 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 Recharge. When these plans are combined, the premiums become affordable without compromising on any health coverage benefits. You can buy the Niva Bupa Super Saver health policy for yourself or your family, as it comes in both individual and family floater plan categories.
The major benefits of the plan include in-patient hospitalisation, pre and post-hospitalisation, domiciliary hospitalisation, daycare procedures, emergency ambulance, health check-ups, hospital accommodation, and organ transplant cover. Additionally, you can avail of unlimited e-consultations, tax benefits, modern treatment, lifelong renewability, alternative treatments, multi-year discounts, and more.
Add-on Covers with Niva Bupa Super Saver Policy
Apart from this, the Super Saver Niva Bupa health policy has additional criteria for add-on covers, specifications of which are given below:
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Personal Accidental Cover
Accidental death, accidental permanent total disability, and accidental permanent partial disability are covered.
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Critical Illness Cover
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.
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Hospital Cash Benefit
If you are hospitalised for more than 48 hours, the insurer will pay daily hospital cash up to a maximum of 30 days.
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Room Rent Modification
If the base policy implies a room rent capping at the rate of 1%, you have the freedom to opt for a single private room, which will be covered up to your policy's sum insured. This applies if you have a policy with a sum insured up to ₹4 Lakhs with an opted deductible of ₹50,000.
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No-Claim Bonus Enhancement
If your base sum insured is about to expire, you can enhance the no-claim bonus of the current policy year by 20% for every claim-free policy term, up to 200%.
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Enhancement of Refill Benefit
You can refill the value of your base sum insured by 150% if the sum insured is exhausted.
Read further to understand the eligibility criteria for buying a Super Saver policy, its benefits, specifications, coverage benefits, how to claim, and much more.
Benefits of Niva Bupa Super Saver Insurance Policy
The Niva Bupa Super Saver plan provides ultimate coverage. The major benefits of this health plan are mentioned below:
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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.
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Health Check-ups
You or your insured family members (with family floater plans) can receive health check-up benefits to help you stay aware of any health discrepancies.
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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 2-year policy, avail a discount of 7.5%, and for a 3-year policy, avail a discount of 15%.
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Lifelong Renewability
You can renew your policy for as long as you're alive, with no additional/loading charges based on your claim history.
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Tax Benefits
You can avail of a tax exemption benefit with this plan under Section 80D of the Income Tax Act, 1961.
Exclusions
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
- Conditions of conflict & disaster
- External congenital anomalies
- Others (refer to your policy documents for the extended list of exclusions)
Claim Process of Niva Bupa Super Saver Policy
Follow the below-mentioned steps to claim your Super Saver health insurance policy:
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Step 1: Inform the insurer at least 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.
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Step 2: Go to the official website of Niva Bupa Health Insurance and click on 'Claim'.
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Step 3: You will be redirected to a pre-authorisation form page. Raise a claim against your Niva Bupa Super Saver policy by filling in all the required personal details like policy number, date of birth, phone number, etc.
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Step 4: Your pre-authorisation form will be verified by the insurer, and they will settle all medical bills incurred due to hospitalisation/treatment directly with the hospital (for cashless settlement). However, if you are taking treatment at a non-network hospital, pay all medical expenses from your account.
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Step 5: Submit proof of hospitalisation like medical bills, diagnostic test reports, policy documents, KYC documents, and other documents requested by your insurer. If the claim for treatment aligns with the terms and conditions of your policy documents, all hospitalisation expenses will be reimbursed.
Final Thoughts
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 could 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 [email protected].
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