Niva Bupa Super Saver Individual Health Insurance

Get coverage of up to 1% of base sum insured per day for single private room and up to 2% for ICU

Avail free health check-up for yourself and your spouse annually from the second policy year onward

Your health insurance will cover a host of dental, ENT and other procedures

Avail coverage for medical expenses incurred on the organ donor’s treatment as well

We cover In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured

Opt for multiyear payment and avail a discount of 7.5% on 2nd year’s premium and 15% on 3rd year’s premium.

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

Critical illness coverage against major illnesses and procedures like cancer, CABG, open heart replacement, kidney failure, stroke, major organ/bone marrow transplant, etc. 

If your room rent in the base plan is capped at 1% of base Sum Insured per day, you can modify it to a single private room; covered up to Sum Insured (available only for deductible more than INR 50,000 and Sum Insured up to INR 4 Lacs).

Get enhanced re-fill benefit up to 150% of base sum insured

We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are 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 offense, 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 authorized 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.

a. Services including device, treatment, procedure, or pharmacological regimens are considered as investigative or Unproven / Experimental Treatment.

b. Biodegradable (bioresorbable, bioabsorbable) polymer drug-eluting stents will be considered as experimental and investigational for all-purpose.

Hazardous Activities: Any claim relating to Hazardous Activities    

• HIV, AIDS, and related complex: Any condition directly or indirectly caused by or associated with Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS), including any condition that is related to HIV or AIDS.

• Reproductive medicine & other Maternity Expenses: Any Critical Illness arising out of, directly/ indirectly caused by, contributed to, or aggravated by:

a. Pregnancy or Child Birth Pregnancy (including voluntary termination), miscarriage, maternity or childbirth (including through cesarean section)

b. Birth Control Any type of contraception, sterilization, abortions, voluntary termination of pregnancy or family planning;

c. Assisted Reproduction Infertility services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy;

d. Sexual disorder and Erectile Dysfunction. Treatment of any sexual disorder including impotence (irrespective of the cause) and sex changes or gender reassignments or erectile dysfunction;

e. Any costs or expenses related to pregnancy, complications arising from pregnancy or medical termination of pregnancy unless caused by an Accident.

• Sexually transmitted Infections & Diseases: Screening, prevention, and treatment for sexually related infection or disease.

• Substance-related and Addictive Disorders: Treatment and complications related to disorders of intoxication, dependence, abuse, and withdrawal caused by drugs and other substances such as alcohol or nicotine.

•Traffic Offences & Unlawful Activity: Any condition occurring as a result of a breach of law by the Insured Person with criminal intent.