Niva Bupa Family First Plan
Niva Bupa
7.3/10
OneAssure Rating
7.3/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers cutting-edge medical procedures like robotic surgeries, stem cell therapy, and deep brain stimulation for enhanced healthcare access.
Room Rent (Normal & ICU) Coverage
Covers hospital room and ICU expenses up to the sum insured, ensuring flexibility and access to quality medical care.
Brochure
Policy Wording
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Our Verdict
Niva Bupa Family First is ideal for large families needing extensive coverage. It offers maternity and alternative treatments but has a two-year waiting period for maternity benefits and potential high premiums.
About the Plan
The Niva Bupa Family First health insurance plan is designed to provide comprehensive coverage for large families, accommodating up to 19 relationships under a single policy. It offers extensive hospitalization benefits, including room rent coverage up to the sum insured, with no capping for Gold and Platinum plans. The plan also covers pre and post-hospitalization expenses for 60 and 90 days, respectively. Additional features include maternity benefits after two years of continuous coverage, coverage for all day care treatments, and alternative treatments like Ayurveda and Unani.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Covered up to sum insured
- ICU: Covered up to sum insured.
Advanced Treatments
- Robotic surgeries
- Stem cell therapy
- Oral chemotherapy
- Deep brain stimulation
- Bronchial thermoplasty
- Intraoperative neuro monitoring (IONM).
Co-payment
The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.
Waiting Period
- Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
- Specific Diseases: A 24-month waiting period applies to certain specified conditions.
- Pre-existing Conditions: Coverage for pre-existing diseases begins after a 36-month waiting period.
Cashless Healthcare Providers
Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.
Daycare Treatment
Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.
AYUSH Treatment
Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.
Exclusions
Treatment for illnesses or injuries resulting from substance abuse, self-inflicted injuries, or participation in hazardous activities.
Cosmetic or aesthetic treatments, unless necessitated by an accident or injury.
Expenses related to the treatment of infertility or assisted conception procedures.
Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion, or complications thereof, unless specified otherwise in the policy.
Congenital diseases or defects, unless life-threatening.
Medical expenses incurred for treatment of AIDS/HIV and related diseases.
Treatment outside the geographical limits of India, unless specifically covered under the policy.
Charges related to items of personal comfort and convenience, such as television, telephone, etc., during hospitalization.
Experimental or unproven treatments not recognized by the medical community.
Exclusions
Related Variants
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Why OneAssure?
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About the Company
Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable.
The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects strong financial performance and market confidence.
About the Company
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