Niva Bupa Health Premia Insurance Plan UIN MAXHLIP21176V022021

Niva Bupa Health Premia policy comes in three variants namely Silver, Gold, and Platinum. It can be purchased for an individual or on a family floater basis, as per your necessity. The Health Premia policy is a comprehensive one that covers almost every healthcare expense starting from in-patient hospitalization expenses, daycare expenses, and others. You can compare health insurance policies to get an overview of the plans that suit your needs.

Let us understand the differentiating points between this three variants under the Niva Bupa Health Premia policy:
 

Parameters	Silver	Gold	Platinum
Sum insured	5 to 7.5 lakhs	10 to 50 lakhs	1 to 3 Cr.
Health Check up	Upto Rs.1,875 per person	Upto Rs. 7,500 per person	Upto Rs. 10,000 per person
Maternity Benefits	Upto Rs. 60,000	Upto Rs. 1 lakh	Upto Rs. 2 lakhs across the world
Hospital cash	Rs. 3,000 / day	Rs. 5,000 / day	Rs. 7,500 / day
Loyalty Bonus	Offers 10% increase on the expiring Sum insured amount yearly	NA	NA
Enhanced Loyalty Addition	Offers 20% increase on the expiring Sum insured amount yearly	NA	NA

 

Key Features of Niva Bupa Health Premia Plan

• Maternity and Newborn Benefits
  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.

 

• Premium Waiver
  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.

 

• Pre and Post Hospitalization Cover
  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.

 

• Refill benefit
  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.
 

• Critical illness cover

​          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.
 

• In-Patient Hospitalization

           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.
 

• Loyalty Additions

           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.
 

• Enhanced Loyalty Additions

           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.
 

• Health Check up

           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. 
 

• Emergency assistance

           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.
 

• Modern age treatments

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

• Personal Accidental cover

           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.

           Want to cover your family? Find which is the best health insurance policy in India. 

• Home Treatment Cover

           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. 
 

• AYUSH Cover

           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.
 

• Day care treatments cover

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

• Daily Hospital Cash 

           The insured can avail hospital cash for a period of 30 days if he/she is admitted in the hospital for more than 48 hours. Hospital cash is usually paid by the insurer to the insured person on             account of loss of pay occurred during the time of hospitalization.
 

• Health Guide

           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.