Niva Bupa GoActive™
A Health Insurance Plan for Your Active Lifestyle
Niva Bupa GoActive™
A Health Insurance Plan for Your Active Lifestyle
Overview
Niva Bupa GoActive™ is an innovative health insurance plan that rewards you for staying healthy. The policy offers comprehensive coverage for medical expenses while providing a range of benefits and rewards tied to your active lifestyle and wellness goals.
Key Features
Health Coach
Access to a personal health coach to help you create a personalized wellness plan and stay on track with your goals.
Wellness Rewards
Earn up to 30% of your premium as health rewards for achieving your fitness goals, which can be used for outpatient expenses.
Pre & Post Hospitalization
Medical expenses are covered for 60 days before and 180 days after hospitalization, a longer period to support a full recovery.
Day Care Treatments
The plan covers all daycare treatments that do not require a 24-hour hospital stay.
Alternative Treatments
GoActive™ covers in-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.
Modern Treatment Coverage
The policy covers new-age treatments like robotic surgeries, bariatric surgery, and other advanced procedures.
Comprehensive Coverage
The plan offers extensive coverage for a wide range of medical expenses, including:
- In-Patient Hospitalization: Covers expenses for hospital stays, including room rent, ICU charges, and doctor fees.
- Hospital at Home: The policy covers medical treatment taken at home if a hospital bed is unavailable or on the advice of a medical practitioner.
- Ambulance Charges: Covers ambulance expenses up to ₹3,000 for emergency transfers.
- Organ Donor Expenses: Hospitalization costs for the organ donor are covered up to the sum insured.
- Health Check-ups: You can avail of cashless health check-ups annually to help you live a healthier life.
Waiting Periods
There are standard waiting periods that apply before certain claims can be made:
- Initial Waiting Period: A 30-day waiting period from the policy start date for all illnesses, except those due to an accident.
- Specific Illnesses: A 24-month waiting period for certain specified illnesses and procedures like hernia and joint replacement surgery.
- Pre-existing Diseases: A 24-month waiting period applies to claims for pre-existing diseases.
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