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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 to provide the maximum benefit of two plans combined at affordable premiums.
How are the premiums lower for the Money Saver health plan than for 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. The Health Companion covers INR 5 Lakhs, and the Health Recharge plan covers 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. The Health Recharge plan has a deductible of INR 5 Lakhs, which is covered by the Health Companion plan.
| PLAN DETAILS |
Max Bupa Money Saver Plan |
Care Freedom Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 11400+ |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | Minimum- 3 Months Maximum- 65 Years | Min 90 days, Max- Lifelong |
| Plan Premium Entry Age and S/A | 10,967 | 5,653 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | - | In-patient hospitalization, Pre & post hospitalization, Daycare treatments, Domiciliary treatment, Dialysis cover |
| Plan Sample Premium | 10,967 | 5,653 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 94.4 | 97 |
| Solvency Ratio | 3.03 | 1.74 |
|
Care Health Insurance Plan Detailed Review |
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