Deutsche Bank has tied up with Niva Bupa Health Insurance Company Limited, a leading health insurance company to bring to you a range of products to suit your insurance needs.
Today’s modern lifestyle leads to sudden illnesses or accidents. These events force us to spend our savings on paying hospitals bills. Sometimes these diseases also force us to spend days or months in hospital or at home recovering. While we recover we also lose our earnings.
You need to protect yourself with a health insurance policy even if:
- You are young and healthy
- Your company covers you and your family
- You think you have enough savings
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Heartbeat Health Insurance Plan is an individual and family oriented (Family Floater as well as extended family cover called Family First) health insurance cover which is simple to buy and easy to understand. In addition to comprehensive health insurance cover to suit our customers needs, this plan helps our customers care for their health proactively over time and according to their profile.
Benefits:
- Direct Service - no TPAs (Third Party Administrators) for claims: Customers talk to Niva Bupa directly, not through any third parties.
- Assured plan renewable for life: Assured renewability of Niva Bupa policy for lifetime*.
- No age restriction for enrollment: Covers families across life stages - from newborn to senior citizens of any age. There is no minimum or maximum age for enrollment.
- Cashless facility at quality network hospitals: Customers can access cashless facility at quality network hospitals.
- Maternity** and child care*** benefits: New born babies are automatically covered till the next renewal under parents family floater**.
- Most comprehensive coverage: All day care procedures taken as inpatient are covered, not a select few. Heartbeat has limited exclusions, whether it is one year, two year or permanent exclusions. For Platinum Policyholders, even cover Second E-Opinion for a life threatening medical condition.
- Customization to suit customer’s needs: Heartbeat is designed to offer flexibility to our customers. It provides various options to customize the plan according to their needs.
- Health relationship loyalty program: 10% of the last paid premium or additional 10% of base sum insured upto at any time a maximum of 50% of base sum insured.
*Subject to continuous payment of premium.
**Maternity claim would be payable after we have received at least 3 continuous annual premiums for the Insured Person in respect of whom a claim is made.
*** Subject to maternity claim being payable under the policy.
- In-patient Care (Hospitalization): The plan covers cost of medical treatment while you or your insured family members are hospitalized for treatment.
- Alternative Treatments: The plan indemnifies the medical expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy (AYUSH).
- All Day Care Treatment Covered: The plan covers all day care treatment, not a select few. However, such a procedure should not be in the outpatient department and diagnostic services of a hospital.
- Maternity Benefits: The plan provides you maternity benefits for up to two deliveries. This benefit is available after both you and your spouse have been covered under the policy for two continuous years.
- New Born Baby: The new born baby will be covered as an insured person from birth without additional premium, till the next policy year, if the maternity claim is admissible under the policy. The plan also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.
- 2 year Policy Tenure Option: You can opt for 2 year policy tenure & avail discount.
- Any Age Enrollment: The plan cover the insured members across every stage of life.
- Loyalty Additions: If the policy is renewed with Niva Bupa without any break, you will get sum insured enhancement (10% of base sum insured per annum Nivaimum upto 100% of base sum insured).
- Hospital Cash: You can opt for hospital cash benefit, under which Niva Bupa will pay the hospital cash up to a Nivaimum of 30 days of hospitalization for each continuous period of 24 hours of hospitalization, provided insured person has been admitted in a hospital for a minimum period of 48 hours continuously.
- Health Check-Up: If the policy is renewed with Niva Bupa without any break, health check-up (only for diagnostic tests) may be availed by you through Niva Bupa empanelled service providers.
- Tax Benefit: You will save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.
- Direct Claim Settlement: All claims are processed directly by Niva Bupa own customer services team.
- Assured Policy Renewal for Life: The plan assures you renewability for life with no extra loadings based on your claim history.
- Organ Transplant: Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered. These expenses are paid once an in-patient claim has been accepted.
- Cashless Facility: You can access cashless facility at your nearest hospital.
- Domiciliary Hospitalization: In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; the plan pays for medical treatment taken at home, which would otherwise have required hospitalization, provided domiciliary hospitalization continues for at least 3 consecutive days.
- Emergency Ambulance: The plan also cover the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once an in-patient claim has been accepted.
- Free Look Period: If you are not satisfied, there is a 15 day free look period within which you can cancel your plan stating the reason.
- In-patient Care (Hospitalization): The plan covers cost of medical treatment while you or your insured family members are hospitalized for treatment.
- International Treatment support for Specified Illnesses: Covers treatment outside India for specified dread diseases upto opted sum insured excluding treatment in USA and Canada. Treatment in USA and Canada can also be included by paying a little extra premium.
The specified illnesses covered are listed below:
- Cancers like leukemia, lymphoma and sarcoma excluding all tumours in the presence of HIV infection
- Heart Attack (Myocardial Infarction)
- Coronary Artery Bypass Graft (CABG)
- Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat irreversible end-stage failure of the relevant organ human bone marrow using haematopoietic stem cells is also covered.
- Surgery of Aorta including graft, insertion of stents or endovascular repair excluding surgery required due to underlying congenital condition.
- Coronary Angioplasty subsequent to myocardial infarction or anginal attack.
- Primary Pulmonary Arterial Hypertension
- Brain Surgery
- OPD Treatment and Diagnostic Services: Reasonable and customary expenses towards medically necessary consultation as an outpatient with a doctor to assess the insured person’s condition.
- Consultation and Diagnostic Tests Carry Forward: If the policy is renewed with Niva Bupa without any break and there is a unutilized amount under the applicable sub-limit in a policy year, then 80% of this unutilized amount will be carried forward to the immediate succeeding policy year.
- Emergency Medical Evacuation and Hospitalization: In case of a medical emergency outside India Niva Bupa will provide assistance in medical evacuation of the insured person and cover the reasonable and customary costs of transportation of the insured person (and an attending doctor if this is medically necessary). The plan will also cover emergency medical evacuation within India, if the condition requires air ambulance or commercial flight for evacuation purposes.
- Pre and Post Hospitalization Medical Expenses: The plan reimburses medical expenses incurred due to illness up to 60 days immediately before you get admitted to a hospital and 90 days immediately after you get discharged from a hospital, if an in-patient care hospitalization claim has been accepted.
- Alternative Treatments: The plan will indemnify the medical expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy (AYUSH).
- All Day Care Treatment Covered: The plan covers all day care treatment, not a select few. However, such a procedure should not be in the outpatient department of a hospital.
- Maternity Benefits: The plan provides you maternity benefits for up to two deliveries. This benefit is available after both you and your spouse have been covered under the policy for two continuous years.
- New Born Baby: The new born baby will be covered as an insured person from birth without additional premium, till the next policy year, if the maternity claim is admissible under the policy. The plan also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.
- Childcare benefits: The plan covers specified vaccination expenses for insured children until they have completed 12 years. It also cover consultation for nutrition and growth provided to the child during a visit for vaccination.
- Any Age enrollment: The plan covers the insured member across every stage of life.
- 2 year Policy Tenure Option: You can opt for 2 year tenure and avail discount.
- Second Medical Opinion: You can obtain Second medical opinion for specified illness / planned surgery / Surgical procedure.
- Loyalty Additions: If the policy is renewed with Niva Bupa without any break, you will get sum insured enhancement (10% of base sum insured per annum maximum upto 100% of base sum insured).
- Hospital Cash: You can opt for hospital cash benefit, under which the plan will pay the hospital cash up to a maximum of 30 days of hospitalization for each continuous period of 24 hours of hospitalization, provided insured person has been admitted in a hospital for a minimum period of 48 hours continuously.
- Tax Benefit: You will save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa Health Insurance Policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.
- Direct Claim Settlement: All claims are processed directly by Niva Bupa customer services team.
- Assured Policy Renewal for Life: The plan assures you renewability for life with no extra loadings based on your claim history.
- Cashless Facility: You can access cashless facility at your nearest hospital.
- Organ Transplant: Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered. These expenses are paid once an in-patient claim has been accepted.
- Domiciliary Hospitalization: In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalization, provided domiciliary hospitalization continues for at least 3 consecutive days.
- Emergency Ambulance: The plan also cover the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once an in-patient claim has been accepted.
- Free Look Period: If you are not satisfied, there is a 15 day free look period within which you can cancel your plan stating the reason.
- In-patient Care (Hospitalization): The plan covers cost of medical treatment while you or your insured family members are hospitalized for treatment.
- Maternity Benefits: This benefit is available to an adult female covered in the plan. This benefit is available after continuous two year coverage under the policy.
- New Born Baby: The new born baby will be covered as an insured person from birth without additional premium, till the next policy year, if the maternity claim is admissible under the policy. The plan also covers vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.
- All Day Care Treatment Covered: The plan covers all day care treatments, not a select few. However, such a procedure should not be in the outpatient department and diagnostic services of a hospital.
- Loyalty Additions: If the Policy is renewed with Niva Bupa without any break, you will get sum insured enhancement (10% of individual base sum insured per annum maximum upto 50% of individual base sum insured).
- Hospital Cash: You can opt for hospital cash benefit, under which Niva Bupa will pay the hospital cash up to a maximum of 30 days of hospitalization for each continuous period of 24 hours of hospitalization, provided insured person has been admitted in a hospital for a minimum period of 48 hours continuously.
- 2 year Policy Tenure Option: You can opt for 2 year tenure and avail discount.
- Health Check-Up once every 2 years: If the policy is renewed with Niva Bupa without any break, health check-up (only for diagnostic tests), may be availed by you through their empanelled service providers.
- Any Age enrollment: The plan covers the insured members across every stage of life.
- Tax Benefit: You will save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.
- Direct Claim Settlement: All claims are processed directly by Niva Bupa own customer services team.
- Assured Policy Renewal for Life: The plan assures you renewability for life with no extra loadings based on your claim history.
- Organ Transplant: Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered. These expenses are paid once an in-patient claim has been accepted.
- Cashless Facility: You can access cashless facility at your nearest hospital.
- Domiciliary Hospitalization: In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; the plan pays for medical treatment taken at home, which would otherwise have required hospitalization, provided domiciliary hospitalization continues for at least 3 consecutive days.
- Emergency Ambulance: The plan also cover the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once an in-patient claim has been accepted.
- Free Look Period: If you are not satisfied, there is a 15 day free look period within which you can cancel your plan stating the reason.
- In-patient Care (Hospitalization): The plan covers cost of medical treatment while you or your insured family members are hospitalized for treatment.
- Alternative Treatments: The plan will indemnifies the medical expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy (AYUSH).
- All Day Care Treatment Covered: It covers all day care treatments, not a select few. However, such a procedure should not be in the outpatient department and diagnostic services of a hospital.
- Maternity Benefits: This benefit is available to an adult female covered in the plan, after the insured has been covered under the policy for two continuous years.
- New Born Baby: The new born baby will be covered as an insured person from birth without additional premium, till the next policy year, if the maternity claim is admissible under the policy. This also covers vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.
- 2 year Policy Tenure Option: You can opt for 2 year tenure and avail discount.
- Any Age Enrollment: The plan covers the insured members across every stage of life.
- Loyalty Additions: If the policy is renewed with Niva Bupa Health Insurance without any break, you will get sum insured enhancement (10% of individual base sum insured per annum maximum upto 100% of individual base sum insured)
- Hospital Cash: You can opt for hospital cash benefit, under which the plan will pay the hospital cash up to a maximum 30 days of hospitalization for each continuous period of 24 hours of hospitalization, provided insured person has been admitted in a hospital for a minimum period of 48 hours continuously.
- Health Check-Up: If the policy is renewed with Niva Bupa Health Insurance without any break, health check-up (only for diagnostic tests) may be availed by you with the empanelled service providers.
- Tax Benefit: You will save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa Health Insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.
- Direct Claim Settlement: All claims are processed directly by Niva Bupa Health Insurance Company's own customer services team.
- Assured Policy Renewal for Life: The plan assures you renewability for life with no extra loadings based on your claim history.
- Organ Transplant: Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered. These expenses are paid once an in-patient claim has been accepted.
- Cashless Facility: You can access cashless facility at your nearest hospital.
- Domiciliary Hospitalization: In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; the plan pays for medical treatment taken at home, which would otherwise have required hospitalization, provided domiciliary hospitalization continues for at least 3 consecutive days.
- Emergency Ambulance: The plan also covers the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once an in-patient claim has been accepted.
- Free Look Period: If you are not satisfied, there is a 15 day free look period within which you can cancel your plan stating the reason.
- In-patient Care (Hospitalization): The plan covers cost of medical treatment while you or your insured family members are hospitalized for treatment.
- International Treatment support for Specified Illnesses: Covers treatment outside India for specified dread diseases upto opted sumiInsured excluding treatment in USA and Canada. Treatment in USA and Canada can also be included by paying a little extra premium.
The specified illnesses covered are listed below:
- Cancers like leukemia, lymphoma and sarcoma excluding all tumours in the presence of HIV infection
- Heart Attack (Myocardial Infarction)
- Coronary Artery Bypass Graft (CABG)
- Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat irreversible end-stage failure of the relevant organ human bone marrow using haematopoietic stem cells is also covered.
- Surgery of Aorta including graft, insertion of stents or endovascular repair excluding surgery required due to underlying congenital condition.
- Coronary Angioplasty subsequent to myocardial infarction or anginal attack.
- Primary Pulmonary Arterial Hypertension
- Brain Surgery
- OPD Treatment and Diagnostic Services: Reasonable and customary expenses towards medically necessary consultation as an outpatient with a doctor to assess the insured person’s condition.
- Consultation and Diagnostic Tests Carry Forward: If the policy is renewed with Niva Bupa without any break and there is a unutilized amount under the applicable sub-limit in a policy year, then 80% of this unutilized amount will be carried forward to the immediate succeeding policy year.
- Emergency Medical Evacuation and Hospitalization: In case of a medical emergency outside India this plan provides assistance in medical evacuation of the insured person and cover the reasonable and customary costs of transportation of the insured person (and an attending doctor if this is medically necessary). This will also cover Emergency Medical Evacuation within India, if the condition requires air ambulance or commercial flight for evacuation purposes.
- Pre and Post Hospitalization Medical Expenses: This plan reimburses medical expenses incurred due to illness up to 60 days period immediately before you get admitted to a hospital and 90 days immediately after you get discharged from a Hospital, if an in-patient care hospitalization claim is accepted.
- Alternative Treatments: This plan will indemnify the Medical Expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy (AYUSH)
- All Day Care Treatment Covered: This plan covers all day care treatment, not a select few. However, such a procedure should not be in the outpatient department and diagnostic services of a hospital.
- Maternity Benefits: This benefit is available to an adult female covered in the plan. This benefit is available after continuous two year coverage under the policy.
- New Born Baby: The new born baby will be covered as an insured person from birth without additional premium, till the policy year, if the maternity claim is admissible under the policy. This plan also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.
- Childcare benefits: The plan cover specified vaccination expenses for insured children until they have completed 12 years. This also covers consultation for nutrition and growth provided to the child during a visit for vaccination.
- Any Age enrollment: The plan cover the insured members across every stage of life.
- 2 year Policy Tenure Option: You can opt for 2 year tenure and avail discount.
- Second Medical Opinion: You can obtain second medical opinion for specified illness / planned surgery / surgical procedure.
- Loyalty Additions: If the policy is renewed with Niva Bupa without any break, you will get sum insured enhancement (10% of base sum insured per annum maximum up to 100% of base sum insured)
- Hospital Cash: You can opt for hospital cash benefit, under which hospital cash will be paid up to a maximum of 30 days of hospitalization for each continuous period of 24 hours of hospitalization, provided insured person has been admitted in a hospital for a minimum period of 48 hours continuously.
- Tax Benefit: You will save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.
- Direct Claim Settlement: All claims are processed directly by Niva Bupa customer services team.
- Assured Policy Renewal for Life: The plan assures you renewability for life with no extra loadings based on your claim history.
- Cashless Facility: You can access cashless facility at your nearest hospital.
- Organ Transplant: Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered. These expenses are paid once an in-patient claim has been accepted.
- Domiciliary Hospitalization: In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; the plan will pay for medical treatment taken at home, which would otherwise have required hospitalization, provided domiciliary hospitalization continues for at least 3 consecutive days.
- Emergency Ambulance: The plan also covers the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once an in-patient claim has been accepted.
- Free Look Period: If you are not satisfied, there is a 15 day free look period within which you can cancel your plan stating the reason.
Policy Terms
- Default policy term for all plans is one year. You can choose a 2 year term as well.
- Niva Bupa Health Insurance will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an accident. This waiting period does not apply for renewal policy.
- Benefits will not be available for pre-existing diseases until 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date, provided such pre-existing disease is stated in the proposal, specifically accepted by them and endorsed thereon.
- For all insured persons who are above 45 years of age as on the date of inception of the first policy, some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
Permanent Exclusions
- Ancillary Hospital Charges
- Hazardous Activities
- Artificial life maintenance
- Autoimmune Disorders
- Behavioral, Neurodevelopmental and Neurodegenerative Disorders
- Circumcision
- Complementary and Alternative Medicine
- Conflict and Disaster
- Congenital Anomaly, Hereditary or Genetic Disorders
- Convalescence and Rehabilitation
- Cosmetic and Reconstructive Surgery
- Dental / oral treatment
- Eyesight and Optical Services
- Experimental / Investigational or Unproven Treatment
- HIV, AIDS, and related complex
- Hospitalization not justified
- Inconsistent, Irrelevant or Incidental Diagnostic procedures
- Mental and Psychiatric Conditions
- Non-Medical Expenses
- Obesity and Weight Control Programs
- Off-label drug or treatment
- Puberty and Menopause related Disorders
- Reproductive medicine and other Maternity Expenses: Any assessment or treatment method
- Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) and Light based Treatment
- Sexually transmitted Infections and diseases
- Sleep disorders
- Substance related and Addictive Disorders
- Traffic Offences and Unlawful Activity
- Treatment received outside India
- Unrecognized Physician or Hospital
- Any costs or expenses specified in the list of expenses generally excluded at Annexure IV of policy wording
Health Assurance is an individual and family oriented health insurance cover, this plan provides you the option to choose from the following benefits:
- Critical Illness Cover
- Personal Accident Cover
These benefits can be bought individually or can be clubbed together for total protection.
Benefits:
- Guaranteed cash benefits: Health Assurance pays fixed cash benefit irrespective of the expenses involved giving customers the freedom of choice. Customers have better control in managing their finances in terms of prioritizing expenses as per their needs.
- Direct Service - no TPAs (Third Party Administrators) for claims: Customers talk to Niva Bupa directly, not through any third parties.
- Assured plan renewable for life: Assured renewability of Niva Bupa policy for lifetime.
- Two year policy discount: A two year policy option in all Health Assurance Individual and Family Floater plans helps customers to save upto 20% on premium as compared to a yearly policy.
- Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
**Tax benefits are subject to changes in tax laws.
An accident can exhaust the savings of a lifetime and even cause irreversible disability and loss of income. The AccidentCare Insurance Plan provides cover not just in the case of accidental death but also for Permanent Total or Partial Disability, along with a host of other benefits.
Features
- Accidental Death: Accidents cannot be predicted, but they can be prepared for. In the case of accidental death of any insured person, the plan pays 100% of the sum insured.
- Permanent Total Disability: In the unfortunate case of permanent total disability due to an accident, the plan pays 125% of the sum insured.
- Permanent Partial Disability: If you incur a permanent partial disability through an accident, the plan pays up to 100% of the sum insured.
- Child Education Benefit: Prepare for your child’s future - even when you’re not around. In case of accidental death or permanent total disability, minimum of 5% of your sum insured or Rs. 50,000 (for sum insured up to 25 lacs) / Rs. 5,00,000 (for sum insured more than 25 lacs) per child, is paid toward your child’s education. This is only applicable for plans where children are covered.
- Funeral Expenses: Any funeral expenses are covered up to Rs. 5,000 (for sum insured up to 25 lacs) / Rs. 50,000 (for sum insured more than 25 lacs), in the case of the accidental death of any insured member.
- Temporary Total Disability (Optional): In the unfortunate case of temporary total disability, 1% of temporary total disability sum insured is payable per week. This weekly payout shall be made for a maximum of 100 continuous weeks. This benefit can be availed and renewed by salaried individuals only.
- Accident Hospitalization (Optional): In case of hospitalization due to an accident, medical expenses incurred towards such hospitalization shall be payable up to 2% of AccidentCare sum insured. This benefit shall be available for hospitalization in India only.
- Individual and Family Coverage: If you are claiming your insurance as an individual, you are entitled to 100% of the sum insured promised. When you are claiming your sum insured on a family plan that covers yourself, a spouse and up to 2 children, you are entitled to 100% of the amount, your spouse is entitled to 50% or Rs. 10 Lacs (whichever is lower), and your children are entitled to 20% of the amount or Rs. 5 Lacs (whichever is lower). Adults are eligible between the age of 18 to 65 years, while dependent children are eligible between the age of 2 to 21 years.
- 2 or 3 Year Policy Tenure Option: You can also opt for a 2 or 3 year tenure on your insurance plan and get attractive discounts on your premium.
- Direct Claim Settlement: All claims are processed directly by Niva Bupa customer services team without the need for any third-party involvement.
- Assured Policy Renewal: Guarantee your policy renewals for life. Your premium is only calculated basis your age and city of residence, and not your claim history.
- Free Look Period: If you are unsatisfied with your policy, you have a 15 day free look period during which you can cancel your policy simply by stating your reason.
- Worldwide Coverage: No matter where you are in the world, or what time it is there, you are covered. However, the optional benefit of accident hospitalization shall be available for hospitalization in India only.
Permanent Exclusions
- Suicide or self inflicted injury, whether the insured person is medically sane or insane.
- War (whether declared or not), invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion.
- Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
- Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the Schedule of Insurance Certificate.
- Committing an assault, a criminal offence or any breach of law with criminal intent.
- Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
- Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel.
- Participation in aviation / marine including crew other than as a fare-paying passenger in an aircraft / water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
- Including but not limited to engaging in or taking part in professional / adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc;
- Any disability arising out of pre-existing diseases if not accepted and endorsed by Us.
- Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However this exclusion is not applicable to claims made under the PPD benefit.
- Any costs or expenses specified in the list of expenses generally excluded at Annexure II of policy document. This is applicable only for accident hospitalization benefit.
Acquiring critical illness such as cancer, stroke, kidney failure or lung disease is a life changing event which can disrupt dreams and goals for family and wipe out savings. Prepare for any critical illnesses with Niva Bupa, and get the help you need to get back on your feet when your body lets you down.
Features
- Direct Claim Settlement: Settle your claims directly with the team at Niva Bupa, without involving any third-parties.
- 2 or 3 Year Policy Tenure Options: Opt for a 2 or 3 year tenure on your insurance plan and get discounts on your premium.
- Assured Policy Renewal: Guarantee your policy renewals for life. Your premium is only calculated basis your age and city of residence, and not your claim history.
- Tax Benefit: A Niva Bupa health insurance policy can help you save tax under Section 80D of the Income Tax Act. These benefits are subject to change in tax laws. You may consult your tax advisor for more in-depth advice pertaining to your personal finances.
- Free Look Period: If you are unsatisfied with your policy, you have a 15 day free look period during which you can cancel your policy simply by stating your reason. The free look period will be 30 days if the policy is purchased through distance marketing mode and policy tenure is 3 years.
- 20 Critical Illnesses Covered:
- Cancer of Specified Severity
- Open Chest CABG
- First Heart Attack of Specified Severity
- Open Heart Replacement or Repair of Heart Valves
- Stroke Resulting in Permanent Symptoms
- Permanent Paralysis of Limbs
- Coma of Specified Severity
- Kidney Failure Requiring Regular Dialysis
- Major Organ / Bone Marrow Transplant
- Motor Neurone Disease with Permanent Symptoms
- Multiple Sclerosis with Persisting Symptoms
- End Stage Liver Disease
- End-stage Lung Disease
- Major Burns
- Loss of Speech
- Deafness
- Aplastic Anaemia
- Bacterial Meningitis
- Fulminant Viral Hepatitis
- Muscular Dystrophy
Benefit Options
You can choose any of the following benefit options. Option once chosen cannot be changed later during the lifetime of the policy.
- Benefit Option 1: Sum insured payable as lump sum
- Benefit Option 2: Sum insured payable as lump sum plus additional 10% of the sum insured payable each year for subsequent 5 years.
Policy Terms
- The plan will not cover any critical illness occurring during the first 90 days of the policy. This waiting period does not apply to renewal policies.
- The plan do not provide cover for pre-existing diseases until 48 months of continuous coverage from first policy start date.
- The insured person needs to survive for at least 30 days from the date of diagnosis of critical illness for the claim to be admissible.
- Insurance cover ceases for the insured person if claim has been paid under the policy and the policy cannot be renewed.
Permanent Exclusions
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV).
- The insured persons attempted suicide or self-inflicted injuries while sane or insane.
- Narcotics used by the insured person unless taken as prescribed by a medical practitioner, or the insured person’s abuse of drugs and / or consumption of alcohol.
- Failure to seek or follow medical advice.
- War (whether war be declared or not), invasion, act of foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes.
- Taking part in any naval, military or air force operation during peace time.
- Participation in aviation / marine activities including crew other than as a fare-paying passenger in an aircraft / water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
- Including but not limited to engaging in or taking part in professional / adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
- Participation by the insured person in a criminal or a breach of law with criminal intent.
- Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.
Health Companion Individual and Family Floater
A cost-effective plan with a host of benefits like direct claim settlement, pre and post hospitalisation expenses and a cover of up to Rs. 1 crore. This plan includes assured renewal for life.
- Sum Insured Options of Rs. 2 lakhs, Rs. 3 lakhs and Rs. 4 lakhs.
- Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 10 lakhs.
- In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment.
- Hospital Accommodation: We cover the cost of all types of hospital accommodations without any capping on room rent charges.
- Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
- Refill Benefit: You are entitled to an additional sum insured equal to the base sum insured for an upcoming claim in the same year provided:
— You have exhausted your base sum insured and no claim bonus partially or completely.
— It is for an unrelated illness.
- AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
- Renewal Benefit: You are entitled to the following benefits after renewal:
— No Claim Bonus: For every claim-free year, you get 20% additional sum insured. This is subject to a maximum of 100% of base sum insured provided there is no penalization in case of claim.
— Complementary Health Check-up: Every two years, get a free health check-up with our empanelled service providers for yourself and your family.
- Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
- Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner
- Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
- Information at your fingertips: As a Niva Bupa Policy holder, get access to your own page on our website. Store your claims history, favourite health information, health profile and records of tests taken with us.
- Tiered Network Option:
- Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad.
- Zone 2: Rest of India.
If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:
- Cashless facility in Zone 2 cities.
- Reimbursement facility in Zone 1 cities with 20% co-payment.
- 10% discount for your premium calculation.
- Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
- Cashless Facility: Get cashless treatment at a network of quality hospitals.
- 2 Year Policy Tenure Option: Get a discount of 12.5% on the second years policy premium when you take a policy for 2 years.
- Assured Plan Renewable for Life: Assured renewability of Niva Bupa policy for lifetime*.
- Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
- Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
- Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
- Hospital Cash - Rs. 1,000 per day (Optional): Get a lump sum payment for every day of hospitalisation in addition to in-patient benefits. This amount is over and above the sum insured, payable for up to 30 days of hospitalisation.
*Subject to continuous payment of premium.
**Tax benefits are subject to changes in tax laws.
- Sum Insured Options of Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs and Rs. 12.5 lakhs.
- Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 10 lakhs.
- In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment.
- Hospital Accommodation: We cover the cost of all types of hospital accommodations without any capping on room rent charges.
- Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
- Day-Care Treatment Cover: We cover all day care treatments, not just a select few. However, the treatment should not be taken in the outpatient department of the hospital.
- Refill Benefit: You are entitled to an additional sum insured equal to the base sum insured for an upcoming claim in the same year provided:
— You have exhausted your base sum insured and no claim bonus partially or completely.
— It is for an unrelated illness.
- AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
- Renewal Benefit: You are entitled to the following benefits after renewal:
- No Claim Bonus: For every claim-free year, you get 20% additional sum insured. This is subject to a maximum of 100% of base sum insured provided there is no penalization in case of claim.
— Complementary Health Check-up: Every year, get a free health check-up with our empanelled service providers for yourself and your family.
— 2 Year Policy Tenure Option: Get a discount of 12.5% on the second years policy premium when you take a policy for 2 years.
- Hospital Cash - Rs. 2,000 per day (Optional): Get a lump sum payment for every day of hospitalisation in addition to in-patient benefits. This amount is over and above the sum insured, payable for up to 30 days of hospitalisation.
- Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
- Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
- Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner.
- Vaccination in case of animal bite: We cover the medical expenses of the OPD Treatment for vaccinations or immunizations post an animal bite. This benefit is available only on reimbursement basis, for up to Rs. 5,000.
- Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
- Cashless Facility: Get cashless treatment at a network of quality hospitals.
- Assured Plan Renewable for Life: Assured renewability of Niva Bupa policy for lifetime*.
- Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
- Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
- Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
- Information at your fingertips: As a Niva Bupa Policy holder, get access to your own page on our website. Store your claims history, favourite health information, health profile and records of tests taken with us.
- Tiered Network Option:
- Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad.
- Zone 2: Rest of India.
If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:
- Cashless facility in Zone 2 cities.
- Reimbursement facility in Zone 1 cities with 20% co-payment.
- 10% discount for your premium calculation.
*Subject to continuous payment of premium.
**Tax benefits are subject to changes in tax laws.
- Sum Insured Options of Rs. 15 lakhs, Rs. 20 lakhs, Rs. 30 lakhs, Rs. 50 lakhs and Rs. 1 crore.
- Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 10 lakhs
- In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment.
- Hospital Accommodation: We cover the cost of all types of hospital accommodations without any capping on room rent charges.
- Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
- Day-Care Treatment Cover: We cover all day care treatments, not just a select few. However, the treatment should not be taken in the outpatient department of the hospital.
- Refill Benefit: You are entitled to an additional sum insured equal to the base sum insured for an upcoming claim in the same year provided:
— You have exhausted your base sum insured and no claim bonus partially or completely.
— It is for an unrelated illness.
- AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
- Renewal Benefit: You are entitled to the following benefits after renewal:
- No Claim Bonus: For every claim-free year, you get 20% additional sum insured. This is subject to 100% of base sum insured provided there is no penalization in case of claim.
— Complementary Health Check-up: Every year, get a free health check-up with our empanelled service providers for yourself and your family.
— 2 Year Policy Tenure Option: Get a discount of 12.5% on the second years policy premium when you take a policy for 2 years.
- Hospital Cash - Rs. 4,000 per day (Optional): Get a lump sum payment for every day of hospitalisation in addition to in-patient benefits. This amount is over and above the sum insured, payable for up to 30 days of hospitalisation.
- Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
- Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
- Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner.
- Vaccination in case of animal bite: We cover the medical expenses of the OPD Treatment for vaccinations or immunizations post an animal bite. This benefit is available only on reimbursement basis, for up to Rs. 7,500.
- Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
- Cashless Facility: Get cashless treatment at a network of more than 3,500 quality hospitals.
- Assured Plan Renewable for Life: Assured renewability of Niva Bupa policy for lifetime*.
- Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
- Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
- Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
- Information at your fingertips: As a Niva Bupa Policy holder, get access to your own page on our website. Store your claims history, favourite health information, health profile and records of tests taken with us.
- Tiered Network Option:
- Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad.
- Zone 2: Rest of India.
If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:
- Cashless facility in Zone 2 cities.
- Reimbursement facility in Zone 1 cities with 20% co-payment.
- 10% discount for your premium calculation.
*Subject to continuous payment of premium.
**Tax benefits are subject to changes in tax laws.
Policy Terms
- Default policy term for all plans is one year. You can choose a 2 year term as well.
- We will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an accident. This waiting period does not apply for renewal policy.
- Benefits will not be available for pre-existing diseases until:
- 48 months of continuous coverage from first policy start date for Variant 1.
- 36 months of continuous coverage from first policy start date for Variants 2 and 3.
- Some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
- Please refer to policy terms and conditions for complete list of exclusions.
Exclusions
Permanent Exclusions:
- Addictive conditions and disorders
- Ageing and puberty
- Artificial life maintenance
- Circumcision
- Dental / oral treatment
- Conflict and disaster
- Congenital conditions
- Convalescence and rehabilitation
- Cosmetic surgery
- Drugs and dressings for OPD treatment or take-home use
- Eyesight
- Unproven / Experimental treatment
- Health hydros, nature cure, wellness clinics etc.
- HIV and AIDS
- Obesity
- Hereditary conditions (specified)
- Items of personal comfort and convenience, including but not limited to
- Alternative treatment
- Psychiatric and psychosomatic conditions
- OPD Treatment
- Stem cell implantation, ancillary hospital charges
- Preventive care
- Treatment for alopecia
- Unrelated diagnostic, x-ray or laboratory examinations
- Charges for medical papers
- Reproductive medicine
- Self-inflicted injuries
- Sexual problems and gender issues
- Sexually transmitted diseases
- Unrecognized physician or hospital
- Sleep disorders
- Speech disorders
- Treatment for developmental problems
- Treatment received outside India
- Hospitalisation undertaken for observation or for investigations only, where no medical treatment is provided.
- Active participation in adventure or hazardous sports including but not limited to para-jumping, rock climbing, mountaineering, motor racing, horse racing or deep-sea diving
- Unlawful activity
- Any costs or expenses specified in the List of expenses generally excluded at Annexure I
Health Companion Family First
Health Companion Family First Health Insurance plan is designed keeping in mind the joint family. Get coverage for up to 19 relationships with individual sum insured for each member and a floater sum insured that can be used by any family member.
- Sum Insured Options
- Individual Base Sum Insured: Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 10 lakhs
- Floater Base Sum Insured: Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs and Rs. 20 lakhs.
- Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 10 lakhs.
- In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment, without any cap of the room rent.
- Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
- Day-Care Treatment Cover: We cover all day care treatments, not just a select few. However, the treatment should not be taken in the outpatient department of the hospital.
- AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
- Renewal Benefit: We offer two benefits on renewal:
- No Claim Bonus: Increase in sum insured at 20% of individual base sum insured subject to the maximum of 100% of individual base sum insured for each claim free year with no penalization in case of claim.
— Complementary Health Check-up: Avail complementary health check-up for yourself and your family once in a year so that you live a healthier and happier life.
— 2 Year Policy Tenure Option: Get a discount of 12.5% on the second year policy premium when you take a policy for 2 years.
- Hospital Cash (Optional) - Rs. 1,000 per day or Rs. 2,000 per day: Get a lump sum payment for each
24 hours of hospitalisation in addition to in-patient treatment benefits. This benefit is over and above the sum insured, payable for up to 30 days of hospitalisation.
- Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
- Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner.
- Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
- Vaccination in case of animal bite: We provide cover for medical expenses of the OPD Treatment for vaccinations or immunizations for treatment post an animal bite. This benefit is available only on reimbursement basis, for up to Rs. 5,000 only.
- Tiered Network Option:
- Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad.
- Zone 2: Rest of India.
If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:
- Cashless facility in Zone 2 cities.
- Reimbursement facility in Zone 1 cities with 20% co-payment.
- 10% discount on premium.
- Assured Plan Renewable for Life: Assured renewability of Niva Bupa policy for lifetime*.
- Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
- Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
- Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
- Cashless Facility: Get cashless treatment at your nearest network hospital.
- Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
- Information at your fingertips: As a Niva Bupa Policy holder, get access to your details on our website containing your claims history, your favourite health information, your health profile including records of tests you may have taken while enrolling with us.
*Subject to continuous payment of premium.
**Tax benefits are subject to changes in tax laws.
Policy Terms
- Default policy term for all plans is one year. You can choose a 2 year term as well.
- We will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an accident. This waiting period does not apply for renewal Policy.
- Benefits will not be available for pre-existing diseases until:
- 36 months of continuous coverage from first policy start date.
- Some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
- Please refer to policy terms and conditions for complete list of exclusions.
Exclusions
Permanent Exclusions:
- Addictive conditions and disorders
- Ageing and puberty
- Artificial life maintenance
- Circumcision
- Dental / oral treatment
- Conflict and disaster
- Congenital conditions
- Convalescence and rehabilitation
- Cosmetic surgery
- Drugs and dressings for OPD treatment or take-home use
- Eyesight
- Unproven / Experimental treatment
- Health hydros, nature cure, wellness clinics etc.
- HIV and AIDS
- Obesity
- Hereditary conditions (specified)
- Items of personal comfort and convenience
- Alternative treatment
- Psychiatric and psychosomatic conditions
- OPD Treatment
- Stem cell implantation, ancillary hospital charges
- Preventive care
- Treatment for alopecia
- Unrelated diagnostic, x-ray or laboratory examinations
- Charges for medical papers
- Reproductive medicine
- Self-inflicted injuries
- Sexual problems and gender issues
- Sexually transmitted diseases
- Unrecognized physician or hospital
- Sleep disorders
- Speech disorders
- Treatment for developmental problems
- Treatment received outside India
- Hospitalisation undertaken for observation or for investigations only, where no medical treatment is provided.
- Active participation in adventure or hazardous sports including but not limited to para-jumping, rock climbing, mountaineering, motor racing, horse racing or deep-sea diving
- Unlawful activity
- Any costs or expenses specified in the List of expenses generally excluded at Annexure I
Apply for Health Insurance
SMS HEALTH to 561615
Call 18602666601#
