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No Room Rent Cap
Covered up to single private room
Direct Claim Settlement
Avail painless claim process when there are no third parties involved
Pre & Post Hospitalisation
We cover expenses 30 days before hospitalisation and 60 days post-discharge
Enhanced No Claim Bonus (O)
Double your sum insured by availing 20% NCB for every claim-free year.
Alternative Treatment
Treatments under Ayurveda, Unani, Siddha, and Homeopathy covered up to Sum Insured
e-Consultation
Unlimited tele/online consultations
Find out what’s covered in the Super Saver Plan
Simply search for your queries about Niva Bupa’s Super Saver combo health insurance plan orcheck out all the features listed below
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Available as an optional add-on
Hospitalisation
IN-PATIENT CARE (HOSPITALISATION)
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Get coverage for medical treatment post hospitalisation for all insured members
HOSPITAL ACCOMMODATION
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Get coverage of up to 1% of base sum insured per day for single private room and up to 2% for ICU
PRE & POST HOSPITALISATION MEDICAL EXPENSES
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The policy will cover pre and post-hospitalization expenses as well. The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days after you get discharged from the hospital.
HEALTH CHECK-UP
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Avail free health check-up for yourself and your spouse annually from the second policy year onward
DOMICILIARY HOSPITALISATION
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The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice
DAY-CARE TREATMENT COVERED
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Your health insurance will cover a host of dental, ENT and other procedures
EMERGENCY AMBULANCE
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Get coverage for the ambulance expenses following anemergency to a hospital. These expenses are paid oncethe in-patient claims are approved
ORGAN TRANSPLANT
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Avail coverage for medical expenses incurred on theorgan donor’s treatment as well
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Standout Features
UNLIMITED E-CONSULTATION
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If the insured person is diagnosed with an illness or is planning to undergo a planned surgery or a surgical procedure, the insured person can obtain an e-consultation during the policy period.
ALTERNATIVE TREATMENTS
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We cover In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured
TAX BENEFIT
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Save taxes on the premiums paid undersection 80D of the income tax act
MULTI YEAR DISCOUNT
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Opt for multiyear payment and avail a discount of 7.5% on 2nd year’s premium and 15% on 3rd year’s premium.
MODERN TREATMENTS
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Modern treatments such as oral chemotherapy, robotic surgeries, intravitreal injections, deep brain stimulation, etc. will be covered either as inpatient care or as part of daycare treatment in a hospital subject to sub-limit for specific conditions as specified in the policy contract.
RENEWAL FOR LIFE
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Get assured renewal of the policy for life withno extra loadings based on your claim history
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Add on Features
PERSONAL ACCIDENT COVER
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Personal Accident coverage against accidental death, permanent total and permanent partial disability.
CRITICAL ILLNESS COVER
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Critical illness coverage against major illnesses and procedures like cancer, CABG, open heart replacement, kidney failure, stroke, major organ/bone marrow transplant, etc.
HOSPITAL CASH
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The add-on pays hospitalcash for up to 30 days ofhospitalisation if hospitalisedfor more than 48 hours
MODIFICATION OF ROOM RENT
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If your room rent in the base plan is capped at 1% of base Sum Insured per day, you can modify it to a single private room; covered up to Sum Insured (available only for deductible more than INR 50,000 and Sum Insured up to INR 4 Lacs).
ENHANCED NO CLAIM BONUS
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Get enhanced NCB of 20% of expiring base sum insured subject to maximum of 200%
ENHANCED REFILL BENEFIT
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Get enhanced re-fill benefit up to 150% of base sum insured
Exclusions
PERMANENT
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Investigation & Evaluation
Rest Cure, rehabilitation and respite care
Obesity/ Weight Control
Change-of-Gender treatments
Cosmetic or Plastic Surgery
Hazardous or Adventure sports
Breach of law
Excluded Providers
Refractive Error
Unproven Treatments
Birth control, Sterility and Infertility
Maternity Expenses
Circumcision
Conflict & Disaster
External Congenital Anomaly
Unrecognized Physician or Hospital
(Note: the above is a partial listing of the policy exclusions. Please refer to the policy contract for the full list of exclusions.)
PERMANENT EXCLUSION FOR PERSONAL ACCIDENT COVER (IF OPTED)
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We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:
• Suicide or self-inflicted injury, whether the insured person is medically sane or insane.
• Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations (whether war is declared or not), rebellion (the act of armed resistance to an established government or leader), acts of terrorism.
• Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peacetime.
• Any change of profession after the inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
• Committing an assault, a criminal offense, or any breach of law with criminal intent.
• Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
•Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
• Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep-sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting, etc.
• Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.
PERMANENT EXCLUSIONS FOR CRITICAL ILLNESS COVER (IF OPTED)
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We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the Policy.
• AYUSH Treatment:Any covered Critical Illnesses diagnosed and/or treated by a Medical Practitioner who practices AYUSH Treatment.
• Conflict & Disaster:Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations (whether war is declared or not), rebellion (the act of armed resistance to an established government or leader), acts of terrorism.
•External Congenital Anomaly:Screening, counseling, or treatment related to External Congenital Anomaly.
•Cosmetic and Reconstructive Surgery:Any Critical Illnesses arising due to treatment undergone purely for cosmetic or psychological reasons to improve appearance.
EXPERIMENTAL/ INVESTIGATIONAL OR UNPROVEN TREATMENT
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a. Services including device, treatment, procedure, or pharmacological regimens are considered as investigative or Unproven / Experimental Treatment.
b. Biodegradable (bioresorbable, bioabsorbable) polymer drug-eluting stents will be considered as experimental and investigational for all-purpose.
Hazardous Activities:Any claim relating to Hazardous Activities
• HIV, AIDS, and related complex:Any condition directly or indirectly caused by or associated with Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS), including any condition that is related to HIV or AIDS.
• Reproductive medicine & other Maternity Expenses:Any Critical Illness arising out of, directly/ indirectly caused by, contributed to, or aggravated by:
a. Pregnancy or Child BirthPregnancy (including voluntary termination), miscarriage, maternity or childbirth (including through cesarean section)
b. Birth ControlAny type of contraception, sterilization, abortions, voluntary termination of pregnancy or family planning;
c. Assisted ReproductionInfertility services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy;
d. Sexual disorder and Erectile Dysfunction.Treatment of any sexual disorder including impotence (irrespective of the cause) and sex changes or gender reassignments or erectile dysfunction;
e. Any costs or expenses related to pregnancy, complications arising from pregnancy or medical termination of pregnancy unless caused by an Accident.
• Sexually transmitted Infections & Diseases:Screening, prevention, and treatment for sexually related infection or disease.
• Substance-related and Addictive Disorders:Treatment and complications related to disorders of intoxication, dependence, abuse, and withdrawal caused by drugs and other substances such as alcohol or nicotine.
•Traffic Offences & Unlawful Activity:Any condition occurring as a result of a breach of law by the Insured Person with criminal intent.
UNRECOGNIZED PHYSICIAN OR HOSPITAL
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a. Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by the Central council of Homeopathy or by relevant authorities in the area or country where the treatment is taken.
b. Treatment or Medical Advice related to one system of medicine provided by a Medical Practitioner of another system of medicine.
c. Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives.
d. Treatment provided by the Hospital or health facility that is not recognized by the relevant authorities in India or any other country where treatment takes place.
e. Treatment or services received in health hydros, nature cure clinics or any establishment that is not a recognized Hospital or healthcare facility
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Frequently Asked Questions
WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS?
WHAT IS ANNUAL INSURANCE COVER?
WHAT IS TOP-UP WITH AN ANNUAL AGGREGATE DEDUCTIBLE?
WHEN DOES IT MAKE SENSE TO OPT FOR A TOP-UP?
HOW DOES THE PLAN WORK?
IS COVID-19 COVERED UNDER SUPER SAVER FAMILY FLOATER PLAN
WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS? - +
You have the option of buying a health insurance policy for a period of one year, two years or three years. You will be able to get discounts on purchase of a policy for two years or three years. At the end of your insurance period you need to renew your policy if you wish to continue being covered, without a break.
WHAT IS ANNUAL INSURANCE COVER? - +
The Annual Insurance Cover amount is the maximum amount payable during the year in the event of one or more claims. It is also known as ‘sum insured’ and ‘sum assured’. The premium of the policy is also dependent on the annual insurance amount that you choose.
WHAT IS TOP-UP WITH AN ANNUAL AGGREGATE DEDUCTIBLE? - +
It becomes really difficult to decide how much cover is adequate. A cover which we find sufficient today becomes irrelevant tomorrow due to the rising medical inflation. At the same time buying a large insurance cover in the current policy may not be affordable or available.
Our Niva Bupa Health Recharge’s deductible acts like a Stepney to your health insurance plan. It’s an additional coverage offered to you with a threshold limit. It comes into effect only when your total claim in the same year surpasses the threshold limit.
WHEN DOES IT MAKE SENSE TO OPT FOR A TOP-UP? - +
It makes sense when you want to increase your total coverage without paying much. While anybody can buy our top-up option at any time, however, it is not advisable unless you have bought a base health insurance cover or the coverage offered by your employer is at least equal to the chosen deductible (threshold limit) amount of our top-up.
HOW DOES THE PLAN WORK? - +
Let us understand with an example:
Policies with you | Policy A: Employer/regular health insurance policy with SI of Rs.5 lacs |
Policy B: Niva Bupa Health Recharge having SI of Rs.5 lacs and aggregate deductible (threshold) limit of Rs.5 lacs | |
Situation 1: A single admissible claim of Rs.7 lacs | Policy A will pay Rs. 5 lacs |
Policy B will pay remaining Rs. 2 lacs as the threshold limit is crossed | |
Situation 2: 2 admissible claims in a year amounting to Rs.3 lacs each | Policy A will pay Rs. 3 lacs for the first claim and Rs. 2 lacs for the second claim |
Policy B will pay remaining Rs. 1 lac since the total claim in the year crosses the threshold limit | |
Situation 3: 2 admissible claims in a year, one amounting to Rs.6 lacs and the 2nd amounting to Rs.3 lacs in the same year | Policy A will pay Rs. 5 lacs for the first claim and policy B will pay Rs. 1 lac for the first claim and remaining Rs. 3 lacs for the 2nd claim since the total claim in the year crosses the threshold limit. |
IS COVID-19 COVERED UNDER SUPER SAVER FAMILY FLOATER PLAN - +
All our indemnity plans covers expenses incurred during the treatment for Coronavirus as per the terms and conditions of the Super Saver Family Floater plan.
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