Niva Bupa Arogya Sanjeevani Plan
Niva Bupa Health Insurance
6.2/10
OneAssure Rating
6.2/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Brochure
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Our Verdict
The Niva Bupa Arogya Sanjeevani Plan offers essential coverage with cashless treatment, pre- and post-hospitalization expenses, and no-claim bonuses. Ideal for individuals and families seeking affordable, straightforward health protection.
About the Plan
The Niva Bupa Arogya Sanjeevani Plan is a simple and affordable health insurance policy that provides essential coverage for individuals and families. It offers financial protection against hospitalization costs, including pre- and post-hospitalization expenses, surgery, and daycare treatments. The plan provides coverage for up to 100% of the sum insured for hospitalization expenses, with an option to avail cashless treatment at an extensive network of hospitals. It also covers modern treatments and offers additional benefits such as no-claim bonuses and free medical check-ups. With an easy-to-understand structure and cost-effective premiums, the Arogya Sanjeevani Plan is ideal for those seeking reliable and straightforward health insurance coverage.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: single A/C private room
ICU: no limit, expenses incurred would be covered by the policy.
Advanced Treatments
Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.
Co-payment
A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.
Waiting Periods
Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers
10675+ network hospitals.
Day Care Treatments
Covered by the policy.
AYUSH Treatment
Covered by the policy.
Exclusions
Treatment of any illness within 30 days from the first policy commencement date, except claims arising due to an accident.
Pre-existing diseases until the expiry of 36 months of continuous coverage after the date of inception of the first policy.
Expenses related to any admission primarily for diagnostics and evaluation purposes.
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.
Expenses related to the surgical treatment of obesity that does not fulfill specified conditions.
Exclusions
Personal Accident Cover - Provides financial protection in case of accidental death or disability.
Critical Illness Cover - Offers a lump sum benefit upon diagnosis of specified critical illnesses.
Hospital Cash - Provides a daily cash allowance during hospitalization to cover incidental expenses.
Enhanced No Claim Bonus (NCB) - Increases the sum insured for each claim-free year, rewarding you for maintaining good health.
Enhanced Refill - Allows for reinstatement of the sum insured if it gets exhausted during the policy year due to claim
Add-ons
Looking for a Specific Hospital ?
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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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