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Niva Bupa GoActive Individual Insurance

Niva Bupa Health GoActive Individual Insurance

Key Features of Niva Bupa Health GoActive Individual Insurance

HOSPITALISATION COVERAGE - Coverage upto 25 Lacs.
OPD COVERAGE - Choose the health insurance that pays for Doctor Visits.
DAILY HEALTH COACHING - Meet your health goals and get upto 20% discount on renewal premium.
DIAGNOSTIC TESTS - Avail Health Check-up/Diagnostic tests of your choice.
AVAIL I-PROTECT OPTION & BEAT MEDICAL INFLATION - I-Protect increases sum insured by 10% on every renewal (no maximum limit).

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Niva Bupa Health Insurance review

Sum Insured
2 lacs - 300 lacs options available

Tenure Options
1 year

Claims Incurred Ratio *
54.00%

Claims Settlement Ratio **
85.96%

List of Network Hospitals
4,500+ hospitals

Number of Policies issued *
696,107

Number of Lives Covered *
54,33,000

Maximum Family Floater Coverage
Self, Spouse + 4 dependent children

* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website

Niva Bupa Niva Bupa Health GoActive Individual insurance plan details

Base Covers	4 lacs	5 lacs	7.5 lacs	10 lacs	15 lacs	25 lacs
In- patient Care	Covered up to base sum insured
Room rent	Up to 1% of Base sum insured	No restriction (except suite or above room category) (Limit included in-Inpatient Care SI)
Pre-Hospitalisation Medical Expenses (90 days)	Covered up to base sum insured
Post-Hospitalisation Medical Expenses (180 days)	Covered up to base sum insured
Day Care Treatment	Covered up to base sum insured
Living Organ Donor Transplant	Covered up to base sum insured
Alternative Treatment	Covered up to base sum insured
Emergency Ambulance	Up to 3,000 per hospitalisation
Home Health Care Services and Domiciliary Hospitalisation	Covered up to base sum insured
Re-fill Benefit	Base sum insured
Pharmacy and Diagnostic Services	Available through provider network
Health check-up	Available
Diagnostic Tests (Limits mentioned are per adult member) (Diagnostic tests applicable in lieu of Health check-up through cashless and reimbursement facility)	Not available	1,000	1,500			2,500
Behavioral Assistance Program	3 consultations per adult per policy year
Second medical opinion	Covered, One opinion per Insured Person per Specified Illness / Planned Surgery / Surgical Procedure
AdvantAGE	Enter at or before the age of 35 years (as on last birthday) and receive a 10% discount in the First Policy Year Base Premium and all subsequent Renewal Base Premium
Modern Treatments	Covered up to Sum Insured with sub-limit of `1 Lac on few robotic surgeries
Optional Covers
Deductible	25,000 / 50,000 / 1 lac / 2 lacs / 3 lacs / 5 lacs / 10 lacs
I-Protect	Additional 10% of Base Sum Insured every policy year at renewal for policy lifetime. This option can be opted only at inception. On renewal of the policy, this option can be opted out post which this option will not be available. In such case, the accumulated Increased Sum Insured under I-Protect shall: a. Not increase further and remain constant, if you pay the same additional percentage of premium as paid in the preceding Policy Year for this benefit; OR b. Be reduced to zero, if you do not pay any additional premium for this benefit.
Health Coach	Personalised health coaching
Personal Accident cover - Accident Death - Accident Permanent Total Disability - Accident Permanent Partial Disability	25 lacs	25 lacs / 50 lacs