Niva Bupa Health Premia insurance

Unique features of Niva Bupa Health Premia Health Insurance

• High Coverage option
• income tax benefit upto INR 42,744 under the section 80D.
• Tenure Discount: If you pay 2 year policy term,you get a discount of 7.5% on the premium of second policy year.On the other hand.
• If you choose 3 year policy term, you get an additional discount of 15% on the third year's premium.
• 15 Day Free look period.
• Pre and post hospitalisation expensex are covered up to the sum insured, 90 days prior and 180 days post hospitalisation.
• Worldwide Maternity benefit cover.
• Direct claim settlement, no third party involved.
• Re-fill Benefit:When the same or different illness strikes in the same policy year,your base sum insured is re-filled and made available to you.
• Cashless hospitalization across network of quality hospitals.
• Life long renewal.

Exclusions of Niva Bupa Health Premia Health Insurance

• Pre-existing conditions: Benefits will not be available for pre-existing conditions as per your policy plan until 24 months of continuous coverage from first policy start date.
• 30 days initial waiting period: Treatment during the first 30 days of the plan will nt be covered,unless the treatment needed is a result of an accident.This waiting period does not apply for renewal polices.
• Specific Waiting Periods:Few conditions like cataract,hernia,internal congenital anomaly,spinal disorder,etc. will be subject to a waiting period of 12 months.
• The following benefits will have a waiting period of 36 months since inception of the policy and subject to continuous renewal: weight loss(bariatric) surgery| Mental disorder treatment| LASER surgery cover.
• For HIV/AIDS cover.there will be a waiting period of 48 months since inception of the policy and subject to continuous renewal.
• For Critical illness cover,a 90 days initial waiting period along with the pre-existing disease waiting period of 4 years and survival period exclusion of 30 days will apply for all conditions.
  (The aforementioned waiting periods shall not apply to e-consultation, health check-up, premium waiver, pharmacy and diagnostic services,personal accident cover and health coach).

Permanent exclusions

• Ancillary Hospital Charges
• Hazardous Activities
• Artificial life maintenance
• Circumcision
• AYUSH Treatments
• Conflict & Disaster
• External Congenital Anomaly
• Convalescence & Rehabilitation
• Cosmetic or plastic Surgery
• Dental/oral treatment
• Eyesight & Optical Services
• Experimental or Unproven Treatment
• Hormone Replacement Therapy
• Hospitalization not justified
• Inconsistent, Irrelevant or Incidental Diagnostic procedures
• Non-Medical Expenses
• Obesity and Weight Control Programs
• Reproductive medicine & other Maternity Expenses
• Robotic Assisted Surgery, Specialized Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
• Sexually transmitted Infections & diseases
• Sleep disorders
• Substance related and Addictive Disorders
• Unlawful Activity
• Treatment received outside India
• Unrecognized Physician or Hospital

Claims Procedure of Niva Bupa Health Insurance

Cancellation Procedure of Niva Bupa Health Insurance