How Can You Benefit From This Insurance?

If You Don’t Have Insurance:

Obtaining the coverage that’s “always enough for you” has never been easier.

If You Have Health insurance with Low Cover:

Considering your insurance plan's range, we recommend extending coverage based on the following table.

Existing Health Insurance Plan

Recommended Health Insurance Cover Price (Starting @/annum)*
(Deductible#)

₹3L ₹10 Lakh / ₹15 Lakh ₹1441

₹5L ₹10 Lakh / ₹15 Lakh/ ₹962

₹25 Lakh / ₹50 Lakh

₹10L ₹75 Lakh / ₹1 Crore ₹863

₹20L ₹1 Crore ₹345

Prices inclusive of tax for a 25 years old

*

Exploring the Niva Bupa Smart Health Insurance Policy

Insurance Coverage

Policy Tenure 1 Year

Adult: 18 Yrs To 70 Yrs

Entry Age Child: 91 Days To 18 Years

1 Adult, 2 Adult, 2 Adult & 2 Children,

Plans
1 Adult+1 Child, 1 Adult + 2 Children

Relationship Self, Spouse, Daughter, Son, Mother, Father

Base Sum Base 10L - Deductible: ₹25,000, 3 Lakh, 5 Lakh

Insured/Deductible Base 15L - Deductible: 3 Lakh, 5 Lakh
Base 25L - Deductible: 5 Lakh, 10 Lakh
Base 50L - Deductible: 5 Lakh, 10 Lakh, 20 Lakh
Base 75L - Deductible: 10 Lakh, 20 Lakh
Base 1Cr - Deductible: 10 Lakh, 20 Lakh
 Hospitalization Coverage

Inpatient Care Up to Base Sum Insured

Single Private Room � Deluxe

Hospital Accommodation- Room Rent/Day
Suite and Above � 30% Co-Pay
Hospital Accommodation- Icu/Day Up to Base Sum Insured

Day Care Treatment All

Pre-Hospitalization Medical Expenses 90 Days

Post-Hospitalization Medical Expenses 180 Days

Domiciliary Hospitalization Up to Base Sum Insured

Organ Transplant Up to Base Sum Insured

Modern Treatment Up to Base Sum Insured As Per T&C

Alternative Treatments Up to Base Sum Insured

Emergency Ground Ambulance- Within

INR 2000 Per Hospitalization
India (One Transfer Per Hospitalization)

Critical Illness Multiplier Indemnity Cover 2X Of Base Sum Insured

Personal Accident 2X Of Base Sum Insured

Re-Assure Benefit Unlimited reinstatement up to base Sum

Insured. �Applicable for both same & different illness)

Waiting Periods

Waiting Period For Pre-Existing Diseases (PED) 12 Months

Initial Waiting Period 30 Days

Specific Disease Waiting Period 12 Months

How to Get Started?

Follow these 4 simple steps to secure your coverage:

01 02 03 04

Get Started
#
Deductible: It's the amount of money you have to pay from your own pocket before your insurance helps with your medical bills. For example, if your deductible is 25,000 INR
and you have a medical bill of 10,00,000 INR, you'll need to pay the first 25,000 INR yourself (that's your deductible). After that, your insurance will cover the remaining 9,75,000
INR of the bill. So, the deductible is what you pay upfront, and then your insurance takes care of the rest.

Disclaimer: Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI
Registration No. 145). 'Bupa' and 'HEARTBEAT ' logo are registered trademarks of their respective owners and arebeing used by Niva Bupa Heaith Insurance Company Limited
under license. Registered office: C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024.; "For more details on risk factors, termsand conditions please read sales brochure
carefully before concluding a sale". CIN NO.U66000DL2008PLC182918. Product Name: Smart Health |Product UIN:MAXHLGP21223V012021. UIN No. : NB/BR/CA/2023-24/587.
Website: www.nivabupa.com. Fax:+ 91 1141743397. Customer Helpline No.: 1860-500-8888