Niva Bupa Health Insurance Riders

Niva Bupa Health Insurance Riders

Niva Bupa Health Insurance riders are the additional coverage benefits that policyholders can buy on the payment of an extra premium amount. These riders by Niva Bupa Health Insurance Company Limited can be used to expand the coverage level of the base Niva Bupa health insurance policy. Policyholders can buy a Niva Bupa health insurance rider at the time of buying or renewing their policy.

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List of Niva Bupa Health Insurance Riders

Check out the Niva Bupa Health Insurance riders list given below:

1. Niva Bupa Safeguard

   The Niva Bupa Safeguard rider offers the policyholders claim safeguard, booster+ safeguard and sum insured safeguard benefits. While the claim safeguard covers non-payable items, the booster+ safeguard protects the booster+ if the total claim amount is lower than Rs 50,000. The sum insured safeguard benefit increases the base sum insured every year based on the inflation rate. This rider is available under Niva Bupa ReAssure 2.0, Niva Bupa ReAssure and Niva Bupa Elixir Insurance plans.

2. Niva Bupa Safeguard+

   The Niva Bupa Safeguard+ rider enhances the coverage offered by the Safeguard rider by providing claim safeguard+, booster+ safeguard+ and sum insured safeguard+ benefits. This rider is available under Niva Bupa ReAssure 2.0, Niva Bupa ReAssure and Niva Bupa Elixir Insurance plans.

3. Niva Bupa Personal Accident Cover

   The Niva Bupa Personal Accident rider covers the insured against accidental death, accidental permanent total disability and accidental permanent partial disability. This rider is available under Niva Bupa GoActive Health Insurance, Niva Bupa Health Recharge, Niva Bupa Heartbeat Insurance, Niva Bupa Health Pulse, Niva Bupa Health Premia, Niva Bupa Elixir Insurance, Niva Bupa ReAssure and Niva Bupa ReAssure 2.0 plans. Moreover, the rider covers accidents worldwide.

4. Niva Bupa Hospital Cash

   The Niva Bupa Hospital Cash rider pays a daily cash allowance to the policyholder for up to 30 days if the insured is hospitalized for at least 48 hours and an in-patient hospitalization claim has been filed. This rider is available under Niva Bupa Heartbeat Insurance, Niva Bupa Health Companion, Niva Bupa Health Pulse, Niva Bupa Health Premia, Niva Bupa ReAssure and Niva Bupa ReAssure 2.0 plans.

5. Niva Bupa Critical Illness Cover

   The Niva Bupa Critical Illness rider pays the sum insured amount to the policyholder if he/she is diagnosed with any of the 20 listed critical illnesses for the first time. This rider is available under Niva Bupa Health Recharge, Niva Bupa Heartbeat Insurance, Niva Bupa Health Pulse and Niva Bupa Health Premia plans. The rider comes with a waiting period of 90 days and a survival period of 30 days. 

6. Niva Bupa E-Consultation

   The Niva Bupa E-Consultation rider enables the insured to obtain an e-consultation from a medical practitioner if he/she is diagnosed with an illness or has to undergo surgery. This rider is available under Niva Bupa Heartbeat Insurance and Niva Bupa Health Pulse plans.

7. Niva Bupa Enhanced Geographical Scope for International Coverage

   The Niva Bupa Enhanced Geographical Scope for International Coverage rider expands the geographical scope of overseas medical coverage by paying for medical expenses incurred in the USA & Canada along with the rest of the world. This rider is available under Niva Bupa Heartbeat Insurance and Niva Bupa Health Premia plans.

8. Niva Bupa Health Coach

   The Niva Bupa Health Coach rider provides multiple wellness-related services to encourage the good health and well-being of the policyholder. These services include personalized health coaching, health score calculation and renewal premium discount based on health score. This rider is available under Niva Bupa GoActive Health Insurance and Niva Bupa Health Premia plans.

9. Niva Bupa Pre-Existing Disease Waiting Time Modification

   The Niva Bupa Pre-Existing Disease Waiting Time Modification rider enables policyholders to reduce the waiting period for pre-existing disease coverage. This rider is available under the Niva Bupa ReAssure 2.0 policy.

10. Niva Bupa Modification in Room Rent

    The Niva Bupa Modification in Room Rent rider enables the insured to opt for a single private room in a hospital regardless of the room rent limit. This rider is available under the Niva Bupa Health Recharge policy.

11. Niva Bupa I-Protect

    The Niva Bupa I-Protect rider increases the sum insured of the base health insurance policy by 10% every year, provided the policy has been renewed without a break. This rider is available under the Niva Bupa GoActive Health Insurance policy.

12. Niva Bupa Accidental Hospitalization

    The Niva Bupa Accidental Hospitalization rider pays for the medical expenses incurred during hospitalization due to an accident of the insured. This rider is available under the Niva Bupa Health Assurance policy.

13. Niva Bupa Premium Waiver

    The Niva Bupa Premium Waiver rider extends the validity of the Niva Bupa Heartbeat insurance policy by 1 year in case the insured dies, is diagnosed with a listed illness or has to undergo treatment for the first time. This rider comes with a waiting period of 90 days. 

14. Niva Bupa Temporary Total Disability

    The Niva Bupa Temporary Total Disability rider pays 1% of the sum insured every week to the insured for up to 100 weeks in case an accidental injury leads to temporary total disability. This rider is available under the Niva Bupa Health Assurance policy and is payable only if the disability continues for at least 3 days.

15. Niva Bupa Enhanced No Claim Bonus 

    The Niva Bupa Enhanced No Claim Bonus rider provides a no claim bonus (NCB) of 20% to the policyholder every claim-free year for a maximum of 200% of the base sum insured amount. This rider is available under the Niva Bupa Health Pulse policy.

16. Niva Bupa Enhanced Re-fill Benefit

    The Niva Bupa Enhanced Re-fill Benefit rider refills the sum insured for up to 150% of the base sum insured amount in case of partial or complete exhaustion. This rider is available under the Niva Bupa Health Pulse policy.

17. Niva Bupa Enhanced Loyalty Additions

    The Niva Bupa Enhanced Loyalty Additions rider provides a 20% cumulative bonus to the policyholder for up to 200% of the base sum insured if the Niva Bupa Health Premia policy is renewed without any break for the 2nd/3rd year in a 2-year/3-year policy tenure.

18. Niva Bupa International Coverage Extension

    The Niva Bupa International Coverage Extension rider extends the international coverage benefit by providing a double sum insured for international coverage benefit and additional single trips ranging from 1 day to 30 days. This rider is available under the Niva Bupa Health Premia policy.

19. Niva Bupa Annual Aggregate Deductible 

    The Niva Bupa Annual Aggregate Deductible rider allows policyholders to opt for an aggregate deductible under their Niva Bupa ReAssure 2.0 policy. Once the policyholder has paid the deductible, the Niva Bupa Health Insurance Company will pay the remaining claim amount.

20. Niva Bupa Co-Payment

    The Niva Bupa Co-Payment rider enables policyholders to opt for a co-payment under their Niva Bupa ReAssure 2.0 policy. While the policyholder needs to pay the co-payment on every claim, the insurance company pays the remaining claim amount. 

21. Niva Bupa Room Type Modification

    The Niva Bupa Room Type Modification rider allows policyholders to choose a hospital room category as per their choice, be it a single private room or a shared room. This rider is available under the Niva Bupa ReAssure 2.0 policy.

Benefits of Niva Bupa Health Insurance Riders

Take a look at the benefits of buying Niva Bupa health insurance riders:

1. Enhanced Coverage

   Niva Bupa health insurance riders can help policyholders to expand the coverage of their Niva Bupa health insurance policy without buying another policy.

2. Saves Money

   Buying a health insurance policy is more expensive than adding a rider to your existing health policy. Hence, policyholders can save lots of money by purchasing a Niva Bupa health insurance rider.

3. Multiple Options

   The Niva Bupa Health Insurance Company offers a wide range of health insurance riders that policyholders can add to their health policy. Thus, policyholders can choose riders of their choice as per their medical needs and budget.

4. Easy Customizations

   Riders enable policyholders to customize their Niva Bupa health insurance policy and pick riders that can help them get their desired medical coverage.