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  Niva Bupa Health insurance India - Features

• Treatment for Cataract, Hernia, Piles, Kidney stone are covered after 90 days of policy inception upto 60 years of age. Above 60 years, 2 years of waiting period.
• Pre and post surgical expenses are covered.
• Pre and post hospitalization are covered for 30 and 60 days respectively.
• Maternity expenses are covered after 2 years and up to 2 deliveries.
• Guaranteed renewability for life respective of the number of claims.
• Vaccination expenses for a child is covered up to 12 years in platinum plan and up to 1 year in case of silver and gold plans.
• No underwriting at the time of claim.
• No limit in number of claims.
• New born baby is covered from the first day of birth.
• E-opinion facility available.
• RM (Relationship Manager) assistance at the time of hospital for gold and platinum plans.
• No room rent limit.
• Charges covered for specialist consultation and diagnostic test for platinum plan.
• 24*7 - Health line.
• No entry age, anybody can buy the policy at any age.
• Cashless facility at network hospitals.
• Reimbursement in case of non network hospitalization without co pay.
• Free look facility available.
• Free medical check every year in platinum and gold plan and every two years in silver plan for entire family.
• Domicialary expenses covered.
• Loyalty bonus available that can be used for some OPD benefits.
• No waiting period for emergency hospitalization i.e., emergency cover from day 1.
• All day care expenses are covered.
• Sum assured from 21 lakhs to 50 lakhs.
• Pre-existing diseases are covered after 4 years.
• Medical check up as per your age/SI/BMI/Previous Medical History.
• 30 days grace period for renewal.
• Tax rebate under sec-80D up to 15k.
• Surgery expenses for donor is also covered.
• No TPA, direct claim settlement by Niva Bupa.