Niva Bupa Health Insurance 
Claim Settlement Ratio 96%
Claim Settlement Facility 100%
Network Hospitals 4500
Renewability 100%
COVID-19 Cover Yes
Incurred Claim Ratio 50.19%
The plan is available in different sum insured options with a minimum sum insured of ₹3 lakhs and a maximum sum insured of ₹1 Crore in three variants. Hospital cash can be availed up to ₹4000 per day in case of hospitalization. No claim bonus of up to 20% extra sum insured can be availed for every claim free year subject to a maximum of 100%.
The policy is available in 3 plans with a minimum sum insured of ₹5 lakhs and a maximum sum insured of ₹3 Crores. Maternity benefits of up to ₹2 lakhs are available Worldwide. International coverage of up to ₹1 Crore per person is provided under the plan. The plan also includes the cover for loss of checked in baggage, trip cancellation etc. No additional premium is charged for covering a newborn baby from day 1 till policy year end.
Niva bupa has launched Senior first health insurance plan to provide health insurance options to senior citizens. The minimum and maximum sum insured under this plan are Rs. 5 Lakhs and Rs. 25 Lakhs. The ReAssure benefit under the plan provides unlimited sum insured in case of exhaustion of the base sum insured. The plan provides a road ambulance of up to Rs.2000 per hospitalization and up to Rs.2.5 Lakhs per hospitalization for air ambulance. A no claim bonus of 10% increase in the base sum insured is applicable for every claim free year, maximum up to 100% of the base sum insured.
Niva bupa has introduced this plan to provide unlimited reinstatement sum insured and with an option to double the base sum insured in 2 claim free years. The minimum and maximum sum insured under this plan are Rs. 3 Lakhs and Rs.1 Crore. Up to 30% discount can be availed on the renewal premium basis the steps taken during the previous year. The base sum insured would be increased by 50% for every claim free year up to a maximum of 100% of the base sum insured. The no claim bonus would be reduced in the same percentage (50%) in case of a claim.
Niva bupa has launched a health insurance plan namely Heart beat which provides a loyalty bonus of up to 10% of the sum insured in case of renewal irrespective of the claim. The minimum and maximum sum insured under this plan are Rs. 5 Lakhs and Rs. 1 Crore. The plan also covers international hospitalization under the platinum plan. The heart beat plan also covers the OPD consultations and day care treatments as mentioned in the terms and conditions.
Go Active health insurance plan offers up to 10 OPD consultations every year. The minimum and maximum sum insured under this plan are Rs. 4 Lakhs and Rs. 25 Lakhs. Health checkup can be availed every year from day 1 of the policy. The policy offers a lifetime discount of 10% if you buy the policy before the age of 35 years. The policy covers the diagnostic tests up to Rs.2500 per person per year on a cashless basis where the insured can avail the services in any of the tie up hospitals or diagnostic centers.
