Niva Bupa Health Premia
Premium Health Coverage with Global Benefits
Niva Bupa Health Premia
Premium Health Coverage with Global Benefits
Overview
Niva Bupa Health Premia is a high-end health insurance policy designed for individuals and families seeking extensive coverage. The plan offers a range of sum insured options, from ₹5 Lakhs to ₹3 Crores, and includes unique benefits like worldwide coverage, maternity benefits, and loyalty additions, making it a comprehensive choice for modern healthcare needs.
Key Features
Worldwide Coverage
The policy provides international coverage for specified illnesses, including emergency medical evacuation and treatment, ensuring you are protected even when traveling abroad (excluding USA and Canada).
Maternity & New Born Baby
Health Premia offers maternity benefits for up to two deliveries and provides coverage for a newborn baby from day one, including vaccination expenses.
Loyalty Additions
Receive a 10% increase in your base sum insured for every claim-free year, up to a maximum of 100% of the base sum insured, rewarding your long-term association with the insurer.
Sum Insured Refill
In case the sum insured is exhausted due to a claim, it is automatically refilled for subsequent claims in the same policy year.
Out-Patient Department (OPD) Cover
This plan covers out-patient treatment expenses for doctor consultations, diagnostic tests, and prescribed medicines, offering comprehensive coverage beyond hospitalization.
Modern Treatment Coverage
All plans cover new-age treatments like robotic surgeries, laser surgeries, and bariatric surgery, ensuring you have access to advanced medical procedures.
Comprehensive Coverage
The plan offers extensive coverage for a wide range of medical expenses, including:
- In-Patient Hospitalization: Covers expenses for hospital stays of 24 hours or more, including room rent, ICU charges, and doctor fees.
- Pre & Post Hospitalization: Medical expenses are covered for 90 days before and 180 days after hospitalization.
- Daycare & Domiciliary Treatment: All daycare procedures (not requiring a 24-hour stay) and approved home-based treatments are covered up to the sum insured.
- Health Check-ups: Annual health check-ups are available from day one of the policy.
- Ambulance Charges: Covers both road and air ambulance expenses.
- Organ Donor Expenses: Hospitalization costs for the organ donor are covered up to the sum insured.
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.
- Maternity Benefit: A waiting period of 24 months applies for maternity-related claims.
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