Niva Bupa Health Premia Health Insurance

Claim Settlement Ratio | 91.20% |
COVID-19 Cover | Yes |
Inception | 2008 |
Incurred Claim Ratio | 54% |
Network Hospitals | 4,500+ |
Renewability | Lifetime |
About Niva Bupa Health Premia Health Insurance
Health Premia Policy by Niva Bupa Health Insurance is an indemnity-based health insurance policy that offers all rround coverage to you and your family at an affordable premium. The policy comes in three variants namely Silver, Gold, and Platinum, and can be purchased on an individual or family floater basis, as per your requirements. The policy is a comprehensive one that covers you for almost every healthcare expense starting from in-patient hospitalisation expenses, daycare expenses, ambulance expenses, maternity expenses to providing you travel insurance coverage, e-consultation, mental disorder treatment, etc. The policy offers wide coverage to the insured for sum insured options starting from as low as Rs. 1 Lakh and going up to as high as Rs. 3 crore.
Apart from the base coverage, the policy comes with several optional coverage benefits which you can opt for as per your requirement, by paying an extra premium at the time of policy purchase. These include personal accident cover, critical illness cover, enhanced loyalty addition, health coach, hospital cash, among others. The policy offers lifetime renewability benefits to the insured. Also, you can enjoy premium waiver benefit, refill benefit, as well as 15 days free-look period if covered under any variant of Health Premia Policy.
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Key Inclusions and Exclusions of the Plan
What's Included
- In built travel insurance coverage
- Annual health check-up of your choice from day 1
- Inpatient hospitalisation expenses
- Daycare expenses
- Pre-hospitalisation and post-hospitalisation expenses
What's Not Included
- Treatment required due to participation in hazardous activities
- Inconsistent, irrelevant or incidental diagnostic procedures
- Sexually transmitted diseases and infections
- Non-medical expenses
- Expenses arising due to unproven treatments
1904 Niva Bupa Cashless Network Hospitals in India
Add-ons to Enhance Benefits
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Personal Accident Cover
Personal accident add-on can be availed by people aged more than 18 years, on an individual basis. This add-on provides you a lump sum amount in case of a misfortune venet of accidental death or permanent or partial total disability. -
Critical Illness Cover
With this add-on, you can enjoy coverage for 20 critical illnesses which the base plan does not cover you for. These illnesses include kidney failure, cancer, stroke, paralysis, etc., as mentioned in the policy document. -
Hospital Cash
On adding this add-on to your policy, you can avail hospital cash for up to 30 days of hospitalisation if the hospitalisation for more than 48 hours is required. -
Health Coach
This add-on allows you to track your health parameters and get help from virtual coach who help you achieve health goals and motivate you to stay fit. -
Enhanced Geographical Cover
By adding this add-on cover to your health insurance policy, you can avail international coverage as well. You can enjoy healthcare coverage in Canada as well as the USA, if required.
Claim Process at Niva Bupa Health Insurance
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FAQs on Health Premia Health Insurance Plan
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What are the waiting periods under the Health Premia Policy offered by Niva Bupa Health Insurance?
The initial waiting period for Health premia Policy offered by Niva Bupa Health Insurance is 30 days, after which you can make a claim as per the terms and conditions mentioned under the policy. However, the waiting period for pre-existing conditions is 24 months. Kindly note that the waiting period is calculated from the date of commencement of the policy.
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What are the loyalty additions offered under the policy?
The policy offers you additional coverage (10% or 20% of base sum insured), as per the terms and conditions of the policy, on completing every year.
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Who all can be covered under this policy on a family floater basis?
On a family floater basis, the policy allows you to add 19 relationships. These include self, legally wedded spouse, son, mother, father, daughter in law, etc.
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Do I get any tax benefits on paying the premium for this policy in cash?
No. You can only avail tax benefits under Section 80D on the premium paid for this policy, if the premium is paid in any mode other than cash.
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What am I covered for in emergency assistance services under this policy?
The policy covers you for the following expenses under emergency assistance services benefit in this policy: medical referral, emergency medical evacuation (air ambulance), medical repatriation, compassionate visit, care and/or transportation of minor children and return of mortal remains.