Niva Bupa Family First Plan
Niva Bupa Health Insurance
7.3/10
OneAssure Rating
7.3/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers cutting-edge medical procedures like robotic surgeries, stem cell therapy, and deep brain stimulation for enhanced healthcare access.
Room Rent (Normal & ICU) Coverage
Covers hospital room and ICU expenses up to the sum insured, ensuring flexibility and access to quality medical care.
Brochure
Policy Wording
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Our Verdict
Niva Bupa Family First is ideal for large families needing extensive coverage. It offers maternity and alternative treatments but has a two-year waiting period for maternity benefits and potential high premiums.
About the Plan
The Niva Bupa Family First health insurance plan is designed to provide comprehensive coverage for large families, accommodating up to 19 relationships under a single policy. It offers extensive hospitalization benefits, including room rent coverage up to the sum insured, with no capping for Gold and Platinum plans. The plan also covers pre and post-hospitalization expenses for 60 and 90 days, respectively. Additional features include maternity benefits after two years of continuous coverage, coverage for all day care treatments, and alternative treatments like Ayurveda and Unani.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered up to sum insured
ICU: Covered up to sum insured.
Advanced Treatments
Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM).
Co-payment
The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.
Waiting Periods
Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: A 24-month waiting period applies to certain specified conditions.
Pre-existing Conditions: Coverage for pre-existing diseases begins after a 36-month waiting period.
Cashless Healthcare Providers
Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.
Day Care Treatments
Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.
Exclusions
Treatment for illnesses or injuries resulting from substance abuse, self-inflicted injuries, or participation in hazardous activities.
Cosmetic or aesthetic treatments, unless necessitated by an accident or injury.
Expenses related to the treatment of infertility or assisted conception procedures.
Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion, or complications thereof, unless specified otherwise in the policy.
Congenital diseases or defects, unless life-threatening.
Medical expenses incurred for treatment of AIDS/HIV and related diseases.
Treatment outside the geographical limits of India, unless specifically covered under the policy.
Charges related to items of personal comfort and convenience, such as television, telephone, etc., during hospitalization.
Experimental or unproven treatments not recognized by the medical community.
Exclusions
Maternity and Newborn Coverage - Provides coverage for maternity expenses and includes the newborn from day one without additional premium.
No Claim Bonus - Offers an increase in the sum insured for every claim-free year, rewarding policyholders for maintaining good health.
Add-ons
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About the Company
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a prominent health insurance provider in India. It is a joint venture between Bupa, a UK-based healthcare services expert, and True North, an Indian private equity firm. The company offers a diverse range of health insurance plans tailored to meet the varying needs of individuals and families. Their policies are designed to provide comprehensive coverage, ensuring financial protection against unforeseen medical expenses.
One of their notable offerings is the ReAssure 2.0 Health Insurance Policy, which covers a wide array of medical expenses, including hospitalization, surgeries, doctor consultations, and post-hospitalization care. With a network of over 10,000 trusted healthcare providers across India, Niva Bupa ensures that policyholders have access to quality medical care when needed. Their commitment to customer satisfaction is evident through streamlined claim processes and wellness benefits, aiming to deliver peace of mind and financial security during medical emergencies.
In June 2024, Niva Bupa announced plans to raise $360 million through an initial public offering (IPO), potentially valuing the company at up to $2.5 billion.
This move underscores their growth trajectory and commitment to expanding their services in the Indian health insurance market.
Krishnan Ramachandran serves as the Managing Director and CEO of Niva Bupa Health Insurance Company Limited. With over 24 years of experience in the health insurance, healthcare, and life sciences industries, Mr. Ramachandran has previously held leadership positions at Apollo Munich Health Insurance Company Limited and Apollo DKV Insurance Company Ltd.
About the Company
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