GoActive™ – Individual Health Insurance Plan

A digital health insurance plan that works beyond hospitalisation and helps you access cashless OPD and diagnostic services.

Day Care Treatments

Get coverage for procedures that don't need hospitalisation

Early age AdvantAGE

Avail a lifetime discount of 10% if you buy at or before 35 years of age

OPD Consultations

Stay worry-free as we cover up to 10 doctor consultations

Health Coach(Optional benefit)

Talk to a personal health coach & achieve your health goals daily

No Room Rent sub-limit

Covered for rooms(except suite or above) for SI ₹ 5 lakhs & above

Diagnostic Tests

Book your diagnostic tests on a cashless basis

Know what’s covered under GoActive™ Health Insurance Plan

Search for diseases covered in the GoActive™ health insurance plan or check out all the policy features

Your query results will appear here

We will also tell you specific details about that query here

Request a call

is covered.

Request a call

Sorry, is not a part of

Although, is available in below product.

Available as an optional add-on

Hospitalisation

IN-PATIENT CARE (HOSPITALISATION)

+ -

Get cashless coverage for hospitalisation expenses for all insured members at network hospitals

PRE & POST HOSPITALISATION MEDICAL EXPENSES

+ -

The policy covers expenses 90 days before hospitalisation and 180 days post discharge

HOSPITAL ACCOMODATION

+ -

Get cashless coverage for all hospital accommodations (except suite or above) under this policy. (for Sum Insured of ₹ 5 lakh and above)

DOMICILIARY HOSPITALISATION

+ -

The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice.

HEALTH CHECK-UP / DIAGNOSTIC TESTS

+ -

Pick tests based on your needs and avail cashless health check-ups

EMERGENCY AMBULANCE

+ -

The policy covers the cost of ambulance . These expenses are paid once we have accepted the In-patient claim

OPD CONSULTATION

+ -

Choose the health insurance policy that pays for your doctor visits. Avail up to 10 OPD consultations (as per plan eligibility) within Niva Bupa’s network either on cashless or reimbursement basis

Standout Features

REFILL BENEFIT

+ -

In case of exhaustion of the base sum insured, get up to 100% of your base sum insured as a refill

EARLY AGE ADVANTAGE

+ -

Get rewarded for starting early! If you are younger than 35, you will get a discount of 10% in the first policy year base premium and all subsequent renewals

I-PROTECT (OPTIONAL)

+ -

Increase your sum Insured by 10% on every renewal. The benefit will be provided for every policy year as long as the policy is renewed or until you opt out

HEALTH COACH (OPTIONAL)

+ -

Talk to a personal health coach app for personalised services to reach your fitness goals

ORGAN TRANSPLANT

+ -

Medical expenses for an organ donor’s In-patient treatment for the harvesting of the organ is also covered

DIRECT CLAIM SETTLEMENT

+ -

There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

Add-on Features

Optional Benefits:
Deductible	INR 25000/ 50000 / 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.
Health Coach	Personalised Health Coaching
Personal Accident Cover	25 lacs	25 lacs/ 50 lac
- Accident Death
- Accident Permanent Total Disability
- Accident Permanent Partial Disability

Exclusions

Permanent Exclusions

+ -

Ancillary hospital charges
Hazardous activities
Artificial life maintenance
Behavioral, Neurodevelopmental and Neurodegenerative Disorders
Circumcision
AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy
Conflict & disaster
External congenital anomaly
Convalescence & rehabilitation
Cosmetic and reconstructive surgery
Dental/oral treatment
Eyesight & optical services
Experimental 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 & other maternity expenses
Robotic-assisted surgery, light amplification by stimulated emission of radiation (LASER) & light-based treatment
Sexually transmitted infections & diseases
Sleep disorders
Substance-related and addictive disorders:
Unlawful activity
Treatment received outside India
Unrecognized physician or hospital
Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure-II of the Policy Document.

Permanent Exclusions For Accident Cover (If Opted)

+ -

Permanent Exclusion for Personal Accident Cover (if opted).We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, based on, arises out of, or is directly or indirectly connected to any of the following:
Suicide or self-inflicted injury, whether the insured person is medically sane or insane.
Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations (whether war is declared or not), rebellion (the act of armed resistance to an established government or leader), acts of terrorism.
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 peacetime.
Any change of profession after the inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
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.
Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorised by the relevant regulations to carry such passengers between established airports or ports.
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, ice sports, hunting, etc.
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 Permanent Partial Disability benefit.

Download Brochure Arrow icon

Why choose GoActive™?

Doctors Speak

Niva Bupa doctors are here to guide you

Check out our blog to find out what the doctors and experts have to say on health insurance and healthy living.

LIVEWELL BLOG

03 February 2020

Niva Bupa Health Insurance

Picking the right health insurance for you

Choosing the right health insurance plan is not easy. Niva Bupa can help you in choosing the right health insurance policy in India based on your requirements.

Know More

21 January 2020

Niva Bupa Health Insurance

Everything you need to know about health insurance

It is important to have a comprehensive health insurance. Know all about the types of health insurance, it's benefits & understand how to make the best of your medical insurance policy.

Know More

Calculate Medical Expenses

Painless renewals

Assured plan renewal for life

Get up to 20% off on renewals for staying healthy

Get cashless health check annually

Assured policy renewal with no extra loading

Get 10% more cover on each renewal under I-Protect (O)

Add personal accident cover.

Click here>>

Hassle-free 5 minutes renewal process

Seamless renewal options.

Click here>>

Frequently Asked Questions

HOW CAN I BUY THIS POLICY?

WHAT IS HEALTH COACH AND HOW WOULD I BE ELIGIBLE FOR DISCOUNTS UNDER THIS BENEFIT?

IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?

IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY?

HOW CAN I BUY THIS POLICY? - +

There are various ways in which you can purchase this policy:

Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone: If you wish to know more about Niva Bupa’s best health insurance plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

WHAT IS HEALTH COACH AND HOW WOULD I BE ELIGIBLE FOR DISCOUNTS UNDER THIS BENEFIT? - +

Health Coach is an option benefit under GoActiveTM product. This benefit is available either to the primary insured person or primary insured person along with his/her spouse (if covered in the policy).

This benefit provides personalised health coaching services through a personal coach connected via a mobile application to guide and motivate you to achieve your health goals. The health coach feature makes you realise that lifestyle plays an important role in maintaining your health and suggests you ways to shift these habits into a positive direction that will improve your overall wellness. In order to get access to the health coach facility, you will have to download the mobile application and register your specified details through the mobile application.

When your registration gets completed, your health coach will notify you through the mobile application to set up an introductory call where you can discuss your short and long term goals with the coach. Once these goals are recorded, the health coach will provide an on-going daily support, motivation and interpretation of your tracking data to help you stay on track and reach your goals. You can constantly be in touch with the health coach to review your progress and revise the existing goals or set new goals.

The mobile application will also keep a track of your steps taken, daily food logs, etc. which can be accessed by you, personal health coach and the empanelled medical practitioners under this benefit. A Health Score will be calculated as per the table below:

Health Score Model
Task Based	Tasks to be Completed	Complete and Win(Points and Task)
One time		500
	Sign up & Activation	500
	Selecting your own goals	500
	Taking your first Health assessment	750
	Completing your first tele-consultation with Our empanelled Medical Practitioner
Weekly	Coach engagement (>3 interactions / week)	250
	Walking - Steps count (5000 steps /day --- 5 times /week)	300
	Daily food logs (minimum 10 logs/ week)	250
Monthly	Habit tracking (minimum 15 check in)	500
	Monthly Coach review - Call	500
Quarterly	Health Assessment	500
Half Yearly	Tele-consultation with Our empanelled Medical Practitioner	1200
	Sharing your test reports / records	1500

Performance Based	Parameters for performance review	Score - based on your performance
		(Max points / review )
One time	Health Assessment at the time of on boarding	2000
Monthly	Monthly performance - Quality score by personal health coach	2000
Quarterly	On completion of goal set by personal health coach	500
	Based on health assessment results
Annual Health score	(Task based points + Performance based points)	Earn up to 1 lac points in a yea

Based on your health score, you will get a discount in Renewal Base Premium under this benefit as per the following table:

Health Score	Discount in Renewal Base Premium
0-9999	0%
10000-69999	5%
70000-79999	10%
80000-89999	15%
90000-100000	20%

The Health score of the primary insured person (higher of the health scores, if both primary insured person and spouse are covered under this benefit) will be considered for calculating the discount in Renewal Base Premium. For the first renewal, the Health Score at the end of nine policy months shall be considered and pro-rated to arrive at the twelve months’ score for calculating the discount in Renewal Base Premium. For subsequent renewals, Health Score for the next twelve policy months from the date of last annual Health Score calculation, will be considered for calculating the discount in Renewal Base Premium

IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE? - +

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a mediclaim policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for premium for self, spouse and dependent children. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is in addition to the exemption of Rs 1,50,000 under Section 80 C). Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY? - +

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

Get the most value from GoActive™

The Niva Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 4500+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Cashless OPD & Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner

Niva Bupa Health App

Track your health, manage your policy & renewals

Download App now>>

Health coach

Reach your fitness goals with a personalised health coach

Download App Now >>

Document locker

Store & access all your medical records with a few taps

Book Cashless OPD Online!

Doctor’s appointment through our cashless health network

Hassle-free claims

Get admitted

Visit us at one of our hospitals

Use your health card

Identify yourself with your NivaBupa health card

Get validated

After validation your request will be sent directly to us

We Review

No third party involved!

Claim Settled

In as less as 30 minutes!

Get a quote

Tell us a little about yourself and we’ll get you the right quote.

Find the right plan now>

Compare plans

Not sure if it’s the right plan for your family? Compare it with other similar plans.

Compare now>

Download Resources

GoActive™
Brochure

Download the brochure to understand the GoActive™ plan better

GoActive™ Policy
Wordings

Find out all you need to know about the plan here

GoActive™
Claim Form

Download the form to make a hassle-free claim

GoActive™
Application Form

Download the application form here

COVID - Omicron | Coronavirus Health Insurance | Covid XE Variant | Norovirus

Travel Insurance Plans - International Travel Insurance | Student Travel Insurance

GoActive™ – Individual Health Insurance Plan

{{userInputs.name}}'s Your {{userInputs.productTitle}}{{userInputs.productSecondTitle}} TM {{userInputs.selectedVariant.title}}

Discounted Premium

What you get

What you get

Know what’s covered under GoActive™ Health Insurance Plan

Hospitalisation

IN-PATIENT CARE (HOSPITALISATION)

PRE & POST HOSPITALISATION MEDICAL EXPENSES

HOSPITAL ACCOMODATION

DOMICILIARY HOSPITALISATION

HEALTH CHECK-UP / DIAGNOSTIC TESTS

EMERGENCY AMBULANCE

OPD CONSULTATION

Standout Features

REFILL BENEFIT

EARLY AGE ADVANTAGE

I-PROTECT (OPTIONAL)

HEALTH COACH (OPTIONAL)

ORGAN TRANSPLANT

DIRECT CLAIM SETTLEMENT

Add-on Features​

Exclusions

Permanent Exclusions

Permanent Exclusions For Accident Cover (If Opted)

Why choose GoActive™?

Doctors Speak

Niva Bupa doctors are here to guide you

Niva Bupa Health Insurance

Picking the right health insurance for you

Niva Bupa Health Insurance

Everything you need to know about health insurance

Calculate Medical Expenses

Painless renewals

HOW CAN I BUY THIS POLICY?

WHAT IS HEALTH COACH AND HOW WOULD I BE ELIGIBLE FOR DISCOUNTS UNDER THIS BENEFIT?

IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?

IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY?

Get the most value from GoActive™

The Niva Bupa Promise

Your everyday health partner

Hassle-free claims

Get admitted

Use your health card

Get validated

We Review

Claim Settled

Get a quote

Compare plans

Download Resources

GoActive™ Brochure

GoActive™ Policy Wordings

GoActive™ Claim Form

GoActive™ Application Form

{{userInputs.name}}'s Your {{userInputs.productTitle}}{{userInputs.productSecondTitle}} ^TM {{userInputs.selectedVariant.title}}

Add-on Features

GoActive™
Brochure

GoActive™ Policy
Wordings

GoActive™
Claim Form

GoActive™
Application Form