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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.
| PLAN DETAILS |
Max Bupa Super Saver Policy |
Star Rural Micro Health |
| 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 | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not 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 | 14000 |
| 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 | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Applicable |
| Plan Entry Age | Minimum- 18 Years, Maximum- 65 Years | 12 Months to 65 years |
| Plan Premium Entry Age and S/A | 9214 | 1735 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 9214 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Year/s | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 94.4 | 99.06 |
| Solvency Ratio | 3.03 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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