Niva Bupa Health Insurance

Niva Bupa Health Premia Gold & Silver

Niva Bupa Health Insurance

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Advanced Treatments Coverage

Advanced Treatments Coverage

Covers CyberKnife, robotic surgeries, laser-assisted procedures, and bariatric surgery. Some treatments have waiting periods, like 36 months for laser surgeries, or require co-payments, such as 50% for robotic surgeries.

Co-payment

Co-payment

The Gold plan requires a 50% co-payment for advanced treatments like CyberKnife and robotic surgeries, while the Silver plan generally exempts standard treatments from co-payments. Reviewing policy terms ensures clarity on cost-sharing obligations.

Brochure

Policy Wording

Our Verdict

The Niva Bupa Health Premia Gold and Silver Plans offer comprehensive coverage with options for higher sum insured in the Gold Plan. Ideal for individuals and families, they cover hospitalization, wellness benefits, and critical illness.

About the Plan

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: single A/C private room

  2. ICU: no limit, expenses incurred would be covered by the policy.

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02

Advanced Treatments

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 

  2.  Balloon Sinuplasty

  3. Deep Brain stimulation

  4. Oral chemotherapy

  5. Immunotherapy- Monoclonal Antibody to be given as injection

  6.  Intra vitreal injections

  7. Robotic surgeries 

  8. Stereotactic radio surgeries 

  9.  Bronchical Thermoplasty 

  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) 

  11. IONM - (Intra Operative Neuro Monitoring) 

  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

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03

Co-payment

  1. 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.

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04

Waiting Periods

  1. 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. 
     

  2. 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.

  3. 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.

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05

Cashless Healthcare Providers

  1. 10675+ network hospitals

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06

Day Care Treatments

  1. The Medical Expenses for a day care procedure or surgery mentioned in the list of are Procedures in this Policy where the procedure or surgery is taken by the insured Person as an inpatient for less than 24 hours in a Hospital.

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07

AYUSH Treatment

  1. The Medical Expenses incurred on the Insured Person’s Hospitalization for Inpatient Care during the Policy Period on treatment taken under Ayurveda, Unani, Siddha and homeopathy will be covered by this policy.

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Exclusions

Add-ons

Looking for a Specific Hospital ?

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Coverage That Grows with You

We help you maximize your coverage over time for stronger protection.

About the Company

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