Niva Bupa Money Saver Insurance

Benefits of Niva Bupa Money Saver Insurance Policy

• Inpatient Hospitalisation
  Get cashless coverage for hospitalisation expenses for all insured members at network hospitals
• Emergency Ambulance
  The policy covers the cost of the ambulance. These expenses are paid once we have accepted the inpatient claim
• Hospital Accommodation
  Get coverage for all hospital accommodations up to a single private room without any room rent capping under this policy
• Domiciliary Hospitalisation
  The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or as per the Doctor’s advice
• Pre & Post Hospitalisation Medical Expenses
  The policy covers expenses 30 days before hospitalization and 60 days post-discharge
• Day-Care Treatment Covered
  Your health insurance will cover a host of dental, ENT and other procedures
• Organ Transplant
  Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ donated is also covered

Permanent Exclusions that include

• Ancillary hospital charges
• Hazardous activities
• Artificial life maintenance
• Behavioural, Neurodevelopmental and Neurodegenerative Disorders
• Circumcision
• Conflict & disaster
• External congenital anomaly
• Convalescence & rehabilitation
• Cosmetic and reconstructive surgery
• Dental/oral treatment
• Eyesight & optical services
• Experimental or unproven treatment
• Hospitalisation not justified
• Inconsistent, irrelevant or incidental diagnostic procedures
• Non-medical expenses
• Obesity and weight control programs
• Off- label drug or treatment
• Puberty and menopause related disorders

Waiting Period Related Exclusions include

• Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal
• Initial waiting period of 30 days unless the treatment needed is the result of an accident.
• Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)
• Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.