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Money Saver

Get comprehensive coverage of ₹30 Lacs

at just ₹620/month*.

Pharmacy & diagnostic services

Get discounts through our empanelled service providers

e-Consultation

Avail unlimited tele consultations

Re-fill benefit

Get refill benefit, even if you have exhausted partial/ full base SI

Health check-up

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

Accumulated Bonus

Accumulated Bonus does not reduce even after claims

All Day Care Treatment

Your health insurance will cover host of day care procedures

Know what’s covered under Money Saver Insurance Plan

Simply search for your queries regarding the Money Saver Health Insurance plan or check out all the features listed below

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We will also tell you specific details about that query here

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is covered.

Request a call

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Although, is available in below product.

Available as an optional add-on

Hospitalisation

IN-PATIENT CARE (HOSPITALISATION)

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

EMERGENCY AMBULANCE

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

HOSPITAL ACCOMODATION

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Get coverage for all hospital accommodations up to a single private room without any room rent capping under this policy

DOMICILIARY HOSPITALISATION

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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

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy covers expenses 30 days before hospitalization and 60 days post-discharge

DAY-CARE TREATMENT COVERED

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Your health insurance will cover host of day care procedures

ORGAN TRANSPLANT

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Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ donated is also covered

Standout Features

FREE LOOK PERIOD

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You have up to 15 days after purchasing the insurance to cancel the plan with refund

RENEWAL FOR LIFE

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Get assured renewal of the policy for life with no extra loadings based on your claim history

DIRECT CLAIM SETTLEMENT

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

TAX BENEFIT

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Save taxes under section 80D of the income tax act when buying your health insurance policy

ALTERNATIVE TREATMENTS

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Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to base sum insured

HEALTH CHECK-UP

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Schedule Heath checkup for defined list of tests for yourself & other adult members of your family

CASHLESS FACILITY

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Avail services at our network hospitals on a cashless basis

Add-on Features

PERSONAL ACCIDENT COVER

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Secure your family’s finances against
personal accidents

HOSPITAL CASH

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Get a lump sum payment each day for each 24 hours of hospitalization in addition to the in-patient treatment benefits. This benefit is in addition to the sum insured

CRITICAL ILLNESS COVER

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Get coverage against illnesses like cancer, kidney failure etc. depending on the base sum insured

Exclusions

PERMANENT EXCLUSIONS

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Ancillary hospital charges

Hazardous activities

Artificial life maintenance

Behavioral, Neurodevelopmental and Neurodegenerative Disorders

Circumcision

Conflict & disaster

External congenital anomaly

Convalescence & rehabilitation

Cosmetic and reconstructive surgery

Dental/oral treatment

Eyesight & optical services

Experimental or unproven treatment

Hospitalisation not justified

Inconsistent, irrelevant or incidental diagnostic procedures

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.

WAITING PERIOD

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Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal
Initial waiting period of 30 days unless the treatment needed is the result of an accident.
Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)

Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.

Please do read more about the common exclusions in the policy terms & conditions.

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Why choose Money Saver?

Doctors Speak

Live well with Niva Bupa

Check out what the doctors and the experts have to say about your health and health insurance

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-up annually

Assured policy renewal with no extra loading

Accumulated Bonus does not reduce even after claims.

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 health insurance 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

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 health insurance 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 Money Saver

The Niva Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A strong network of 10000+ hospitals

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Your everyday health partner

Niva Bupa Health App

Track your health, manage your policy & renewals

Download App now>>

Click here to get free E-consultation

A quick & painless way to consult a doctor

Click here>>

Document locker

Store & access all your medical records with a few taps

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

In-house claims review

No third party involved!

Claim Processing

In as less as 30 minutes!

Get a quote

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Download Resources

Money Saver
Brochure

Download the brochure to understand the Money Saver plan better

Money Saver Policy
Wordings

Find out all you need to know about the plan here

Money Saver
Claim Form

Download the form to make a hassle-free claim

Money Saver
Proposal Form

Download the form to avail the services of any of our network hospitals

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Money Saver

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Discounted Premium

What you get

What you get

Know what’s covered under Money Saver Insurance Plan

Hospitalisation

IN-PATIENT CARE (HOSPITALISATION)

EMERGENCY AMBULANCE

HOSPITAL ACCOMODATION

DOMICILIARY HOSPITALISATION

PRE & POST HOSPITALISATION MEDICAL EXPENSES

DAY-CARE TREATMENT COVERED

ORGAN TRANSPLANT

Standout Features

FREE LOOK PERIOD

RENEWAL FOR LIFE

DIRECT CLAIM SETTLEMENT

TAX BENEFIT

ALTERNATIVE TREATMENTS

HEALTH CHECK-UP

CASHLESS FACILITY

Add-on Features​

PERSONAL ACCIDENT COVER

HOSPITAL CASH

CRITICAL ILLNESS COVER

Exclusions

PERMANENT EXCLUSIONS

WAITING PERIOD

Why choose Money Saver?

Doctors Speak

Live well with Niva Bupa

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 Money Saver

The Niva Bupa Promise

Your everyday health partner

Hassle-free claims

Get admitted

Use your health card

Get validated

In-house claims review

Claim Processing

Get a quote

Compare plans

Download Resources

Money Saver Brochure

Money Saver Policy Wordings

Money Saver Claim Form

Money Saver Proposal Form

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Add-on Features

Money Saver
Brochure

Money Saver Policy
Wordings

Money Saver
Claim Form

Money Saver
Proposal Form