Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater

Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater plan is a combination of both Niva Bupa (Formerly known as Max Bupa)'s Health Recharge and Health Companion plans that offers more robust protection for the family's health. This health insurance policy has all the attributes of providing adequate healthcare to the insured and acts as a shield against increasing medical expenses today.

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Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater: Key Highlights

    Categories Specifications
    Coverage Type Individual or Family Floater
    Sum Insured Rs 10.5 lakh to Rs 1 crore
    Premium Starts From Rs 262 per month
    Renewability Lifelong
    Policy Tenure 1 year/ 2 years
    Claim Process Direct claim settlement without the involvement of TPA

    Inclusions of the Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater Plan

    Anyone interested to buy Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater policy will get the following coverage:

    • In-patient Hospitalization Treatment: The Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater plan covers all in-patient hospitalization expenses where the insured is hospitalized for more than 24 hours.
    • Pre-Hospitalization Expenses: This health insurance policy covers expenses for a maximum of 30 days before hospitalization up to the defined limit.
    • Post- Hospitalization Expenses: The coverage is provided for all medical expenses for up to 60 days after getting discharged from the hospital up to the defined sum insured.
    • Road Ambulance: The policy covers the expenses of the ambulance after the acceptance of the in-patient claim.
    • Hospital Accommodation: The policyholder can claim for all hospital accommodations up to a single room with no room rent capping.
    • Organ Transplant: Members can avail of medical expenses incurred by an organ donor on organ harvesting, including the in-patient treatment expenses for the same.
    • Domiciliary Hospitalization: If a member undergoes treatment at home due to unavailability of bed or on doctor's advice, this policy will reimburse all the expenses.
    • Day Care Treatment: Niva Bupa (Formerly known as Max Bupa) Money Savers Health Insurance covers day care procedures that require less than 24 hours of hospitalization.
    • Alternative Treatments: The insured can avail alternative treatments under Ayurveda, Siddha, Unani, Homeopathy up to the sum Insured.

    Optional Covers:

    • Personal Accident Cover
    • Critical Illness Cover
    • Hospital Cash

    Exclusions of the Niva Bupa (Formerly known as Max Bupa) Money Saver Health Insurance Plan

    Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater Insurance plan excludes some diseases and conditions from its list of coverage. They are:

    • Any claim arising within the initial 30 days of the policy period, unless it is an accidental claim
    • Pre-existing diseases are not covered before 36 months of continuous coverage
    • Specific illnesses are covered after 24 months of coverage
    • Injuries from hazardous activities or adventure sports
    • Injuries and ailment due to war, riots, terrorist activities, or unlawful and criminal activities
    • Due to alcohol and drug abuse
    • Behavioural, neurodevelopmental and neurodegenerative disorders
    • Obesity and weight control programs
    • Maternity expenses
    • Artificial life maintenance
    • External congenital diseases, etc.

    Please refer to the policy document for a complete list of exclusions under the plan.

    Features and Benefits of the Niva Bupa (Formerly known as Max Bupa) Money Savers Health Insurance Policy

    Individuals can find the features and benefits of the Niva Bupa (Formerly known as Max Bupa) Money Saver Health Insurance policy below:

    • This policyholder can schedule a health check-up for a specific list of tests for themselves and other members of the family.
    • Under the cashless facility, the insured can obtain cashless claim services at the 7400+ network hospitals.
    • Policyholders can avail of pharmacy and diagnostic services through network service providers on the Niva Bupa (Formerly known as Max Bupa) Health Insurance Company.
    • Provision for unlimited telephonic or online consultations is also provided.
    • Based on the claim history, the policy guarantees renewability for life with no extra loadings.
    • Quick and reliable in-house claim processing with no involvement of TPAs
    • Attractive premium savings for choosing the plan for two years.
    • Premiums paid towards Niva Bupa (Formerly known as Max Bupa) Money SaverHealth Insurance policy are eligible for availing tax benefits under Income Tax Act.

    Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater Eligibility Criteria

    Before buying the Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater policy, a person should consider the following eligibility terms:

    Categories Eligibility Criteria
    Minimum Entry Age 3 months
    Maximum Entry Age 65 yearsNo limit for policy renewal
    Number of people covered 6 members (Up to 2 adults and 4 children)

    Cancellation Terms of the Niva Bupa (Formerly known as Max Bupa) Money Saver Family Floater Policy

    A policyholder can cancel the Money Saver policy within 15 days of purchasing the insurance in the free-look period to get a full refund. The insurer can also cancel the Niva Bupa (Formerly known as Max Bupa) Money Saver Health Insurance policy if the policyholder is found to be indulged in fraud, misrepresentation or concealment of medical or other claims-related information.

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