Niva Bupa Health Assurance Policy

Entry Age

From 5 years to 65 years

Basis

Individual / Family floater

Policy Period

One or Two Years

Renewability

Lifelong

Sum Assured/Hospital Cash/ Accident benefit

Level one: Level two: 5lakhs/Rs. 2000/ 10 lakhs Level 3: 7.5 lakhs/Rs. 3000/20 lakh Level 4: 10 Lakhs/Rs.4000/25 lakh

Premium

Starts at Rs.1851 for individual level 1 plan for a 25 year old male

Discount

Discounts available on 2-year policy renewals

Co-Payments

No co-payments at any stage

Variants

There are three variants with following features:( Sum assured/Hospital cash/accident benefit) Level 1: 3 lakhs/Rs.1000/5 lakhs Level 2: 5lakhs/Rs. 2000/ 10 lakhs Level 3: 7.5 lakhs/Rs. 3000/20 lakh Level 4: 10 Lakhs/Rs.4000/25 lakh

Coverage

• Cancer of Specified Severity
• Kidney Failure Requiring Regular Dialysis
• Coma of Specified Severity
• Aplastic Anaemia
• First Heart Attack of Specified Severity
• Open Chest CABG
• Deafness
• End-stage Lung Disease
• Permanent Paralysis of Limbs
• Motor Neurone Disease with Permanent Symptoms
• Multiple Sclerosis Persisting Symptoms
• Loss of Speech
• Open Heart Replacement or Repair of Heart Valves
• Bacterial Meningitis
• Stroke Resulting in Permanent Symptoms
• Major Organ/Bone Marrow Transplant
• End Stage Liver Disease
• Fulminant Viral Hepatitis
• Major Burns
• Muscular Dystrophy

Benefits

Cashless approval within 4 hours in 3500 network hospitals No TPA, direct claim-settlement Tax exemptions under Section 80D of the Income Tax Act A daily cash benefit from Rs.1000 onwards upto 45 days Guaranteed cash benefit in case of accidental death Compensation in cash of accidental permanent disability

Exclusions

Alternative Treatment Psychiatric and Psychosomatic Conditions OPD Treatment Reproductive medicine - Birth control & Assisted reproduction Sleep disorders Hereditary conditions Genetic Disorder Items of personal comfort and convenience Treatment received outside India Unlawful Activity Permanent Exclusions Self-inflicted injuries Sexual problems and gender issues Sexually transmitted diseases Addictive conditions and disorders Ageing and puberty Artificial life maintenance Circumcision Speech disorders Treatment for developmental problems HIV and AIDS Cosmetic surgery Conflict and disaster Drugs and dressings for Out-patient or take-home use Congenital conditions Eyesight Unproven/Experimental treatment Health hydros, nature cure, wellness clinics etc. Obesity Dental/oral treatment Convalescence and Rehabilitation Unrecognized physician or Hospital *Specific exclusions on Personal Accident, Hospital Cash and Critical Illnesses as per terms and conditions