Niva Bupa GoActive Health Insurance Plan UIN MAXHLIP21173V022021

The GoActive Plan not only covers your in-patient hospitalization but also covers all the expenses that occurred 60 days before being hospitalized and 180 days after discharge from the hospital.

The insured person under the GoActive Health plan gets cashless facility at all the network hospitals of Niva Bupa. They can avail this facility by just presenting the health card at the time of admission at the hospital. To avail the cashless facility, the insured should be hospitalized for at least 24 hours.
If hospitalized in any of the non-network hospitals, then the policyholder can opt for reimbursement claim. For that, necessary documents are to be submitted within a stipulated time.

In case, during the year you have exhausted the base sum insured and also the increased sum insured under the I-protect feature partially or completely, then you are entitled to receive a refill benefit up to the base sum insured. This feature can be used for subsequent claims which are not related to the treatment of the same illness as for the previous claims.
Example:
Say Mr. Shinde, age 45, buys a Niva Bupa GoActive health insurance plan with a base sum insured of Rs. 10 Lakhs. In the first year, he claims for Rs. 8 lakhs for a surgery.
After the first claim the company will re-fill the amount of maximum up to 100% of base sum insured i.e. Rs.10 lakhs. In the same year, Mr. Shinde gets hospitalized for any other illness and the bill amount is Rs. 4 Lakhs. So, Rs. 2 lakhs from the base sum insured will be used and Rs. 2 Lakhs from the Re-filled amount will be used to make the payment.

Note: Re-filled amount can’t be carried forward to the subsequent policy year.

If the policyholder has to go through an organ transplant, then under this policy, all the medical expenses for the organ donor’s in-patient treatment along with the policyholder is covered.

You can save tax under section 80 D of the Income Tax Act if you buy a Niva Bupa GoActive health insurance plan.

Domiciliary hospitalization is medical treatment of illnesses, which is a normal situation that is done at a hospital. In a situation where the illness or disease can be treated by giving home treatment and as advised by the Doctor, then it will be treated as Domiciliary hospitalization.
The expenses incurred during domiciliary hospitalization in the policy period will be covered under this plan. However, this can be only claimed for reimbursement in case where the treatment was done for 3 consecutive days.

Depending on the amount of sum insured, the room rent capping varies. Room rent capping is basically a limit on expenses of the type of room chosen at the time of hospitalization.
In Niva Bupa GoActive health plan, the room rent capping are as below:

A discount of 10% on the premium is offered under the GoActive plan on the first base premium and also on all subsequent renewal of the base premium if the policyholder's age is less than or equal to 35 years.

You can renew the Niva Bupa GoActive Health Plan without much documentation. Simply by entering the policy details you can renew your existing GoActive Health Plan and utilize the various benefits.

A policyholder can avail up to 10 OPD consultations and all the expenses incurred will be covered. The benefit will be covered as cashless or as means of reimbursement. The OPD consultations may vary based on the cover amount you have opted. The number of person covered under each cover amount is different, so have look at the below table to understand more about it:

The policyholder has the option to choose various deductibles under the Niva Bupa GoActive Health plan. Deductible is the amount that the policyholder has to pay before the insurer pays for the claim amount.  On opting the deductibles, the health insurance company pays for the claim only if it exceeds the deductible amount. You can opt for deductibles in the range of Rs. 25,000 / 50,000 / 1 lakh / 2 lakhs / 3 lakhs / 5 lakhs / 10 lakhs.

Worried about how to be healthy with changing lifestyle? Now you can opt for a health coach with a GoActive health insurance plan.  A personalized health coaching service will be allocated to the policyholder to keep a track on their fitness.

Based on the health score, you will be eligible for a premium discount of up to 20% on the base premium at the time of renewal of policy. The policyholder can opt for this feature by paying an additional premium.

The GoActive Niva Bupa Health Plan offers a very unique feature of the I-Protect plan. It is an optional plan where the policyholder gets an increase of 10% of the base sum insured for every renewal. This benefit is valid until the policyholder renews the policy or wishes to opt out from this feature by sending a request. You can avail this feature by paying an additional premium.

Purchasing the GoActive health insurance policy from Niva Bupa leaves you unquestioned about the claim settlement. There is no involvement of any third party during the claim settlement process, thus making it easy for the policyholder.