Niva Bupa Rise Plan

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.

This Niva Bupa health insurance plan also pays a cash allowance on availing treatment at a government hospital with the Smart Cash benefit. Moreover, the policy comes with lucrative benefits, including hospital cash benefit, safeguard benefit, annual health check-ups, personal accident cover, pre-existing diseases waiting period modification, and unlimited digital consultations, among others.

Niva Bupa Rise Plan: Key Highlights

Benefits of Niva Bupa Rise Plan

Some of the Niva Bupa Rise plan benefits are as follows:

1. Coverage for 2+ Hours of Hospitalisation

   This health insurance plan covers in-patient hospitalisation expenses if the insured is admitted for 2 hours or more.

2. Return Benefit

   This unique benefit returns 50% of the paid premium that can be accumulated for life along with a 10% bonus. Policyholders can use this accumulated amount to pay for any claim that has been rejected or is not eligible due to waiting periods or exclusions. Moreover, the returned premium amount can be increased to 100% with the Return+ optional cover.

3. Re-Fill Benefit

   With the Re-Fill benefit, the sum insured amount is refilled by 100% once a policy year after the full or partial utilisation of the base coverage amount. This refilled amount can be used for claims resulting from the same or a different illness.

4. Loyalty Bonus

   An extra coverage amount of 10% of the expiring base sum insured is added every policy year for up to 100% of the sum insured as Loyalty Bonus.

5. Smart Cash

   The insurance company pays a cash benefit of ₹5000 to the insured if they take treatment at a government hospital. Moreover, the insurer can increase the cash amount to up to ₹25,000 with the Smart Cash+ optional cover.

6. Flexi-pay Benefit

   This mediclaim policy allows the policyholder to pay the premium anytime in the policy year after the initial enrollment with the Flexi Pay benefit.

7. Unlimited Digital Consultations

   The insured can take unlimited digital consultations for health-related queries with any general practitioner within the insurer's network.

8. Tax Benefits

   Policyholders can avail themselves of tax benefits on the premium paid under Section 80D of the Income Tax Act.

Niva Bupa Rise Plan Eligibility Criteria

Here is an overview of the eligibility criteria for the Niva Bupa Rise plan:

Inclusions of Niva Bupa Rise Plan

The Niva Bupa Rise plan includes the following coverage:

• In-patient Treatment – It covers expenses incurred by the insured if hospitalised for over 2 hours.
• Modern Treatments – It pays up to ₹50,000 per claim for modern treatments, such as robotic surgeries, immunotherapy, stem cell therapy, etc., done with advanced procedures & equipment.
• Pre-Hospitalisation Expenses – It covers medical costs for consultations, medicines, diagnostic tests, etc., incurred for up to 60 days before hospitalisation.
• Post-Hospitalisation Expenses – It pays for medical expenses for medicines, doctor visits, physiotherapy, etc., for up to 180 days after discharge from the hospital.
• Home Care/ Domiciliary Hospitalisation – It covers medical treatments that would have required hospitalisation but are taken at home on doctor's recommendation.
• Organ Donor Benefit – It 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.
• AYUSH Benefit – It pays for in-patient AYUSH treatment undertaken at a certified AYUSH hospital medical centre for at least 24 hours.
• Road Ambulance – It provides coverage of up to ₹2000 per hospitalisation if a road ambulance is used to transfer the patient to the hospital.
• Smart Cash – It pays a cash amount of ₹5000 if the insured obtains treatment at any government hospital.

Optional Covers:

• Hospital Daily Cash – It provides a cash allowance of ₹1000 per day of hospitalisation for a maximum of 30 days in a policy year.
• Personal Accident Cover – It pays compensation in case of accidental death, permanent total disability and permanent partial disability of the insured due to an accident.
• Pre-existing Disease Waiting Time Modification – It allows the policyholder to reduce or increase the pre-existing disease (PED) waiting time.
• Specific Disease Waiting Time Modification – It allows the insured to modify the waiting period for specific diseases.
• ReAssure Forever – It 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.
• 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.
• Co-payment – It enables the policyholder to opt for a voluntary co-payment of up to 50%.
• No Co-Pay Network – It removes the mandatory co-payment under the Rise-Tiered Network benefit for treatment taken at non-network hospitals.
• Health Check-up (Only Cashless) – It allows the insured adults to avail listed medical tests on a cashless basis once a policy year, starting from day 1.
• Health Check-up (Cashless & Reimbursement) – It covers the expenses incurred by insured adults for listed medical tests once a policy year on a cashless and reimbursement basis, starting from day 1.
• Room Type Modification – It allows the insured to opt for the general ward, or upgrade to a single private room or the all room category.
• Safeguard - It pays for the cost of consumables and increases the sum insured on a cumulative basis at each renewal as per the inflation rate.
• Safeguard+ – It covers for a wider list of non-payable items and increases the base sum insured as per the consumer price index (CPI) at each renewal.
• Second Medical Opinion – It allows the insured to take a second medical opinion unlimited times a year for which the insurer has already paid the hospitalisation claim.
• Modern Treatment+ – It removes the applicable sub-limit on modern treatments, allowing the insured to claim coverage for up to the sum insured limit.
• Smart Cash+ – It pays a cash amount ranging from ₹5000 to ₹25,000 if the insured chooses to get treated at a government hospital.
• Annual Aggregate Deductible – It allows the policyholder to opt for an annual aggregate deductible that needs to be paid during claims before the insurer can pay the remaining amount.

Exclusions of Niva Bupa Rise Plan

The exclusions of the Niva Bupa Rise plan are as follows:

• OPD treatment
• Obesity/ weight control procedures
• Maternity expenses
• Treatment for alcoholism, drug or substance abuse
• Hazardous or adventure sports-related injuries
• Cosmetic or plastic surgery
• Refractive errors of less than 7.5 dioptres
• Sterility and Infertility treatment
• Unproven treatments

Niva Bupa Rise Plan - FAQs