Niva Bupa Health Insurance
Niva Bupa Super Saver is a comprehensive health insurance plan that co ...Read More
A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.
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.
Apart from this, the Super Saver Niva Bupa health policy has additional criteria for add-on covers, specifications of which are given below:
Accidental death, accidental permanent total disability, and accidental permanent partial disability are covered.
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.
If you are hospitalised for more than 48 hours, the insurer will pay daily hospital cash up to a maximum of 30 days.
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.
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%.
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.
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*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.
A quick honest summary — the strengths and the trade-offs.
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
The Niva Bupa Super Saver plan provides ultimate coverage. The major benefits of this health plan are mentioned below:
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.
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.
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%.
You can renew your policy for as long as you're alive, with no additional/loading charges based on your claim history.
You can avail of a tax exemption benefit with this plan under Section 80D of the Income Tax Act, 1961.
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.
What the plan pays for, and what it doesn't.
Eligibility criteria pulled straight from the policy wording.
Follow the below-mentioned steps to claim your Super Saver health insurance policy:
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 helpdesk@policyx.com.
The 5 most-asked questions about Niva Bupa Super Saver Policy, answered.
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