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Discounted Premium
What you get
What you get
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- ₹ {{getAmountInWords(userInputs.productType == 'AccidentCare' ? userInputs.personalAccidentSumInsured : userInputs.criticalIllnessSumInsured)}}
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Please click here to see premium illustration
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
Hospitalisation
IN-PATIENT CARE (HOSPITALISATION)
+ -Get cashless coverage for hospitalisation expenses for all insured members at network hospitals
PRE & POST HOSPITALISATION MEDICAL EXPENSES
+ -HOSPITAL ACCOMODATION
+ -DOMICILIARY HOSPITALISATION
+ -HEALTH CHECK-UP / DIAGNOSTIC TESTS
+ -EMERGENCY AMBULANCE
+ -OPD CONSULTATION
+ -Choose the health insurance that pays for your doctor visits. Avail 10 OPD consultations within Niva Bupa’s network either on cashless or reimbursement basis
Standout Features
REFILL BENEFIT
+ -EARLY AGE ADVANTAGE
+ -I-PROTECT (OPTIONAL)
+ -HEALTH COACH (OPTIONAL)
+ -Talk to a personal health coach for personalised services to reach your fitness goals
ORGAN TRANSPLANT
+ -DIRECT CLAIM SETTLEMENT
+ -Add-on Features
Optional Benefits: |
|
i-protect |
Additional 10% of Base Sum Insured every policy year at renewal for policy lifetime. |
Health Coach |
Personalised Health Coaching |
Personal Accident Cover -Accident Death -Accident Permanent Total Disability -Accident Permanent Partial Disability |
Up to Rs. 50 Lac as per plan eligibility |
Exclusions
Permanent Exclusions
+ -Investigation & Evaluation
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Rest Cure, rehabilitation and respite care
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.
Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
Obesity/ Weight Control
- Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
- Surgery to be conducted is upon the advice of the Doctor.
- The surgery/Procedure conducted should be supported by clinical protocols.
- The member has to be 18 years of age or older and;
- Body Mass Index (BMI);
- greater than or equal to 40 or
- greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss:
- Obesity-related cardiomyopathy
- Coronary heart disease
- Severe Sleep Apnea
- Uncontrolled Type2 Diabetes
Change-of-Gender treatments
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
Cosmetic or plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
Breach of law
Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
Excluded Providers
Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by Us and disclosed in Our website / notified to the Policyholders are not admissible. However, in case of life threatening situations or following an Accident, expenses up to the stage of stabilization are payable but not the complete claim.
The complete list of excluded providers can be referred to on our website.
Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care procedure
Refractive Error
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
Unproven Treatments
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
Sterility and Infertility
- Expenses related to sterility and infertility. This includes:
- Any type of contraception, sterilization
- Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
- Gestational Surrogacy
- Reversal of sterilization
Maternity
Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy;
Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.
Ancillary Hospital Charges
Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.
Circumcision:
Circumcision unless necessary for the treatment of a disease or necessitated by an Accident.
Conflict & Disaster:
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 (act of armed resistance to an established government or leader), acts of terrorism.
External Congenital Anomaly:
Screening, counseling or treatment related to external Congenital Anomaly.
Dental/oral treatment:
Treatment, procedures and preventive, diagnostic, restorative, cosmetic services related to disease, disorder and conditions related to natural teeth and gingiva except if required by an Insured Person while Hospitalized due to an Accident.
Hormone Replacement Therapy:
Treatment for any condition / illness which requires hormone replacement therapy.
Multifocal Lens and ambulatory devices such as walkers, crutches, splints, stockings of any kind and also any medical equipment which is subsequently used at home.
Sexually transmitted Infections & diseases (other than HIV / AIDS):
Screening, prevention and treatment for sexually related infection or disease (other than HIV / AIDS).
Sleep disorders:
Treatment for any conditions related to disturbance of normal sleep patterns or behaviors.
Any treatment or medical services received outside the geographical limits of India.
Unrecognized Physician or Hospital:
- Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central council of Homeopathy.
- Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives.
- Treatment provided by Hospital or health facility that is not recognized by the relevant authorities in India.
- Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state as demonstrated by:
- Deep coma and unresponsiveness to all forms of stimulation; or
- Absent pupillary light reaction; or
- Absent oculovestibular and corneal reflexes; or
- Complete apnea.
AYUSH Treatment
Any form of AYUSH Treatments, except as mentioned in policy document
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.
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.
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.
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
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?
IS COVID-19 COVERED UNDER GOACTIVE FAMILY FLOATER PLAN ?
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 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
Get the most value from GoActive™
The Niva Bupa Promise
Your everyday health partner
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.
Compare plans
Not sure if it’s the right plan for your family? Compare it with other similar plans.
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