Niva Bupa Health Premia Insurance Plan UIN MAXHLIP21176V022021

The plan covers all the expenses done by the insured person for 60 days of pre-hospitalization. Not just pre but also the expenses incurred post 90 days of discharge from hospitalization is taken care through this plan.

The Health Premia plan provides insured with maternity benefits for up to two deliveries. This benefit is available if both you and your spouse have been covered under the health premia policy for two continuous years.

In case the insured person is diagnosed with a critical illness or specified illness, then the premium is waived for a period of one year.

• In case if the insured has exhausted the base sum insured and loyalty additions offered under the health premia plan partially or completely, then the insured person is entitled to receive an additional sum insured equal to the base sum insured for an upcoming claim in the same year. The refill benefit can be availed for treatment of both, same and different illnesses as well.

For example,
​           Mr. Jay has purchased a NIva Bupa Health Premia plan with a base sum insured of Rs. 5 lakhs and has been renewing the policy over a period of 3 years. With that said, he has received             loyalty cumulative addition as well. Suppose, due to an unfortunate incident, Mr. Jay gets admitted and the total bill amount comes around say Rs. 10 lakhs. In this scenario, if the base                 sum insured and the loyalty addition accumulated gets exhausted, then My. Jay will be entitled to receive an additional sum insured of Rs. 5 lakhs which is equal to the base sum insured.             This benefit can be availed for subsequent  claims in the same year.

Niva Bupa Health Premia is a comprehensive health insurance plan that is enhanced to cover up to 20 critical illnesses such as heart surgery, cancer, kidney failure and more. The coverage is given as a lump sum payout on diagnosis of the illness.

The insured person under the Health Premia 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.

One can avail a health check up for various diagnostic tests right from the day the policy is purchased. You can utilize the health check up facility on a cashless basis at any Niva Bupa                   Network Hospitals.

Treatments like Robotic surgery, laser surgery, weight loss surgery are also covered under Niva Bupa Health Premia plan.

Under this plan, the insured person can avail this additional cover. Personal accidental cover secures you and your family’s financial loss occurring due to accidents.

The expenses related to daycare treatments or even OPD treatments, diagnostic tests are all covered under the Niva Bupa Health Premia Plan.

Irrespective of your past claims, under the Niva Bupa Health Premia plan, you get a 10% p.a. increase on the expiring base sum insured, maximum up to 100% of base sum insured. This             benefit is accumulated over the years when the insured person renews the policy without any breaks
.

Say for example,
           Mr.Rao, purchases the Niva Bupa Health Premia Plan of sum insured of Rs.5 lakhs and opts for Loyalty addition feature. He has been renewing the policy without any breaks. 
           If he doesn't claim throughout the year, in that case he will be eligible for Loyalty addition of 10% on Rs. 5 lakhs over and above the No Claim Bonus.
           However, during the policy term, he is hospitalized and claims for Rs. 3 lakhs. Irrespective of his claims, he will get a 10% increase on expiring base sum insured i.e. Rs. 2 lakhs.

Whatever claims you might have made in the past years, with this additional feature, the sum insured increases by 20% p.a. Maximum up to 200% of the expiring base sum insured of the             policy. This benefit is accumulated over the years when the insured person renews the policy without any breaks.

Now the insured person can get emergency assistance even during his travel within India. If the insured is within 150 km distance from his residence and has been on trip for less than 90             days and requires medical assistance, evaluation, and diagnosis then, they can avail the service provided through this plan.

Due to various circumstances such as unavailability of beds at the hospitals or due to not so severity of the medical condition, doctors might advise the insured person to take home                       medical treatment. In such situations, the expenses done by the insured in the treatment are reimbursed as per the Health Premia Insurance policy.

One of additional features that you can avail in Niva Bupa Health Premia Health Plan is the virtual guide to track your health, and stay fit and illness free

AYUSH stands for Ayurveda, Unani, Siddhi, and Homeopathy treatments, which are covered under this plan. Expenses related to any of such treatments are covered even if you are going             through an in-patient treatment.