Niva Bupa Health Insurance

It offers safeguard, booster+ safeguard and sum insured safeguard. Claim safeguard covers non-payable items, booster+ safeguard protects booster+ if the claim amount is below 50,000 rupees and the sum insured safeguard increases the base sum insured annually based on the inflation rate. This add-on is available under the Niva Bupa ReAssure 2.0, ReAssure and Elixir plans.

It improves coverage of the Safeguard rider by offering claim safeguard+ and sum insured safeguard+ benefits. This add-on is available under the Niva Bupa ReAssure 2.0, ReAssure and Elixir insurance plans.

This rider covers accidental death, total disability and partial disability. This is available in the GoActive, Health Recharge, Heartbeat, Health Pulse, Health Premia, Elixir, ReAssure and ReAssure 2.0 plans. It covers accidents worldwide.

This rider pays a daily allowance for up to 30 days if the insured is hospitalized for 48+ hours and the claim is filed. This is available in various Niva Bupa insurance plans.

This rider pays the sum insured if the policyholder is diagnosed with any of the 20 listed critical illnesses. This is available under various Niva Bupa health plans. The initial waiting period is 90 and the survival period is 30 days.

It allows the insured to get an e-consult from a doctor for illness/surgery. This add-on is available in the Niva Bupa Heartbeat Insurance and Health Plus plans.

This rider expands medical coverage worldwide, including the USA and Canada. It is available under the Niva Bupa Heartbeat and Health Premia insurance plans.

It offers wellness services for the policyholder’s good health, including personalized coaching, health score calculation and renewal premium discount. This rider is available under the Niva Bupa GoActive and Health Premia plans.

This add-on, which is available under the Niva Bupa ReAssure 2.0 plan, reduces the waiting period for pre-existing disease coverage.

This rider allows choosing a single private room in a hospital without a room rent limit. It is available under the Niva Bupa Health Recharge insurance plan.

This rider, available under the Niva Bupa Go Active Health Insurance plan, increases the base insurance by 10% yearly if the policy is renewed without a break.

This rider covers medical expenses during hospitalization due to an accident. It is available under the Niva Bupa Health Assurance policy.

It extends the Niva Bupa Heartbeat insurance policy by 1 year if the insured dies, is diagnosed with a listed illness or undergoes treatment for the first time, with a 90-day waiting period.

This rider pays 1% of the sum insured weekly for up to 100 weeks for temporary total disability due to accidental injury. It is available under the Niva Bupa Health Assurance policy, payable after 3 days of disability.

This rider gives a 20% no-claim bonus to the policyholder for each year without any claims for up to a maximum of 200% of the base sum insured amount. It can be added to the Niva Bupa Health Pulse policy. 

This rider ensures that the sum insured can be topped up by up to 150% of the base sum insured amount if it is fully or partially exhausted. It can be added to the Niva Bupa Health Pulse policy for additional coverage. 

It offers a 20% cumulative bonus for up to 200% of the base sum insured when the Niva Bupa Health Premia policy is renewed without any break for the 2nd/3rd year in a 2-/3-year policy. 

It doubles the sum insured for international coverage and includes single trips from 1 to 30 days. This add-on is offered with the Niva Bupa Health Premia policy.

This rider lets policyholders choose a deductible for their Niva Bupa ReAssure 2.0 policy. After paying the deductible, the company covers the rest of the claim.

This rider allows policyholders to choose a co-payment option for their Niva Bupa ReAssure 2.0 policy. With this option, policyholders will be responsible for making co-payment payments for each claim made, while the insurance company will cover the remaining amount of the claim.

In this, the policyholders can choose their hospital room category with the Room Type Modification rider under the Niva Bupa ReAssure 2.0 insurance plan.