Niva Bupa Rise
Comprehensive Coverage with Unmatched Flexibility
Niva Bupa Rise
Comprehensive Coverage with Unmatched Flexibility
Overview
Niva Bupa Rise is a comprehensive health insurance plan designed to offer extensive coverage with a focus on holistic well-being. The policy includes core hospitalization benefits, along with unique features and optional add-ons that provide a flexible and robust health safety net for individuals and families.
Key Features
Cash-Back+ Benefit
This benefit offers a cashback on your renewal premium, with an additional bonus for every three claim-free years. The cashback can be used to pay for premiums, deductibles, or OPD expenses.
Booster Benefit
For every claim-free year, your sum insured increases by a percentage (e.g., 50%), allowing you to accumulate a larger total sum insured over time.
Live Healthy
Stay active and earn up to a 30% discount on your renewal premium based on your health and wellness activities, such as daily step count.
Go Limitless
Certain variants of the Niva Bupa Rise plan offer an unlimited sum insured, ensuring that you have no cap on your coverage for hospitalization expenses.
No Room Rent Capping
The plan has no sub-limits on room rent, allowing you to choose a room category that fits your needs without worrying about out-of-pocket expenses.
Day 1 Pre-Existing Disease Coverage
An optional rider that waives the waiting period for certain pre-existing diseases, providing immediate coverage upon policy purchase.
Comprehensive Coverage
The plan offers extensive coverage for a wide range of medical expenses, including:
- In-Patient Hospitalization: Covers expenses for hospital stays of 2 hours or more, including room rent, ICU charges, and doctor fees.
- Pre & Post Hospitalization: Medical expenses are covered for 60 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.
- Modern Treatments: Advanced treatments like robotic surgery, immunotherapy, and stem cell therapy are covered.
- Annual Health Check-ups: Get cashless health check-ups 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 in case of a transplant.
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 36-month waiting period applies to claims for pre-existing diseases unless the Day 1 Pre-Existing Disease Coverage add-on is chosen.
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