About Niva Bupa Rise Plan
Niva Bupa Rise plan is a unique health insurance plan that covers in-patient hospitalisation expenses for 2+ hours. It returns the premium amount under the Return benefit so that it can be accumulated with a 10% bonus to pay for rejected claims, exclusions and expenses during waiting periods. It also provides a 100% re-fill benefit that automatically restores the sum insured amount, and offers a 10% loyalty bonus every year.
Niva Bupa Rise Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹1 crore |
| Pre-existing Diseases Waiting Period | 36 months |
| Discounts | 39% favourable claim experience discount Up to 12.3% flexi-pay discount 10% multi-individual discount Up to 10% term discount 5% doctor discount 5% digital discount 2.5% standing instruction discount 2.5% early renewal discount |
| Co-payment | 20% if treatment is taken outside the Rise-tiered network of hospitals 20% if opting for a room above twin-sharing up to 50% if opting for voluntary co-payment* 20% on opting for a reimbursement health check-up |
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Key Benefits of Niva Bupa Rise Plan
Niva Bupa Rise Plan Inclusions, Exclusions & Optional Cover
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In-patient TreatmentIt covers expenses incurred by the insured if hospitalised for over 2 hours.
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Modern TreatmentsIt pays up to ₹50,000 per claim for modern treatments, such as robotic surgeries, immunotherapy, stem cell therapy, etc., done with advanced procedures & equipment.
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Pre-Hospitalisation ExpensesIt covers medical costs for consultations, medicines, diagnostic tests, etc., incurred for up to 60 days before hospitalisation.
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Post-Hospitalisation ExpensesIt pays for medical expenses for medicines, doctor visits, physiotherapy, etc., for up to 180 days after discharge from the hospital.
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Home Care/ Domiciliary HospitalisationIt covers medical treatments that would have required hospitalisation but are taken at home on doctor's recommendation.
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Organ Donor BenefitIt covers hospitalisation expenses of the donor for harvesting the organ for the insured's transplant surgery. It also pays for the medical expenses incurred on organ harvesting if the insured decides to donate their organ.
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OPD treatment
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Obesity/ weight control procedures
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Obesity/ weight control procedures
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Treatment for alcoholism, drug or substance abuse
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Hazardous or adventure sports-related injuries
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Cosmetic or plastic surgery
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Hospital Daily CashIt provides a cash allowance of ₹1000 per day of hospitalisation for a maximum of 30 days in a policy year.
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Personal Accident CoverIt pays compensation in case of accidental death, permanent total disability and permanent partial disability of the insured due to an accident.
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Pre-existing Disease Waiting Time ModificationIt allows the policyholder to reduce or increase the pre-existing disease (PED) waiting time.
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Specific Disease Waiting Time ModificationIt allows the insured to modify the waiting period for specific diseases.
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ReAssure ForeverIt restores the sum insured amount by 100% unlimited times a year after the first claim is filed, provided the policy is renewed without a break.
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Return+It returns 100% of the premium to be accumulated along with a 10% bonus to pay for rejected claims, exclusions or claims filed during waiting periods.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Niva Bupa Rise Plan: FAQs
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Q1. What are the benefits of the Niva Bupa Rise plan?
Ans: The Niva Bupa Rise plan provides a wide range of benefits, including coverage for 2+ hours of in-patient hospitalisation, 100% refill benefit, 10% loyalty bonus, hospital cash benefit, pre-existing diseases waiting period modification, up to 100% premium return benefit, annual health check-ups, unlimited second medical opinion, and more. -
Q2. Where can I get the Niva Bupa Rise claim form?
Ans: The Niva Bupa Rise claim form can be downloaded directly from the insurer’s website or mobile app. You can also reach out to the insurer’s customer care or Policybazaar.com’s 24/7 customer service to get the claim form if you have purchased from their website. -
Q3. What is the Niva Bupa Rise plan price?
Ans: To check the Niva Bupa Rise plan cost, you can visit the insurer's website or contact their customer care. You can also use Policybazaar's health insurance premium calculator to estimate the premium for the policy.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Niva Bupa Health Insurance offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Niva Bupa Health Insurance
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Niva Bupa Health Insurance for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Niva Bupa Health Insurance policy
- The network hospital will send the hospital bill to Niva Bupa Health Insurance.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
