Niva Bupa Health Insurance

Niva Bupa Health Premia Platinum Plan

Niva Bupa Health Insurance

7.2/10

OneAssure Rating

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Room Rent and ICU limit

Room Rent and ICU limit

Niva bupa my health premia platinum covers room rent and ICU charges without caps, ensuring full coverage up to the sum insured.

Advanced Treatments

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.

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Our Verdict

Niva Bupa Health Premia Platinum offers extensive coverage, including critical illness and personal accident benefits, with high sum insured options. Ideal for individuals and families seeking premium health protection with loyalty additions.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: single private A/C room

     

  2. ICU: no limit

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02

Advanced Treatments

  1. Covered up to Sum Insured with sub-limit of INR 1 Lac on few robotic surgeries.

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

  3. Balloon Sinuplasty

  4.   Deep Brain stimulation 

  5.  Oral chemotherapy 

  6. Robotic surgeries and many more.

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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. Covered by the policy.

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07

AYUSH Treatment

  1. Covered by the policy.

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Exclusions

Add-ons

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