Max Bupa (Now Niva Bupa) Heath Companion Family Floater Plan: Buy & Renew Online

Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

Niva Bupa (Formerly known as Max Bupa) Health Companion family floater is a comprehensive and affordable plan. It is designed for individuals and nuclear families consisting of you, up to 4 children and your spouse. It offers a direct settlement of claims, cashless hospitalization, and lifelong renewal of health insurance plans. The policy comes in 3 variants and the sum insured ranged from INR 3 lakhs to 1 crore.

Sum Insured Amount:

Sum Insured Options Variant 1: INR 3 Lakhs & INR 4 Lakhs

Top Up Options with Annual Aggregate Deductible Option:

INR 1 Lakh, INR 2 Lakhs, INR 3 Lakhs, INR 4 Lakhs, INR 5 Lakhs & INR 10 Lakhs, INR 15 lakhs, INR 20 lakhs, INR 30 lakhs, and INR 50 lakhs.
Sum Insured Options Variant 2: INR 5 Lakhs, 7.5 Lakhs, 10 Lakhs & INR 12.5 Lakhs
Top Up with Annual Aggregate Deductible Option: INR 1 Lakh, INR 2 Lakhs, INR 3 Lakhs, INR 4 Lakhs, INR 5 Lakhs & INR 10 Lakhs
Sum Insured Options Variant 3: Sum Insured Options: INR 15 Lakhs, 20 Lakhs, 30 Lakhs, 50 Lakhs & INR 1 Crore
Top Up with Annual Aggregate Deductible Option: INR 1 Lakhs, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs & INR 10 Lakhs

Features of Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

The plan comes with the following benefits:

No age limit
Tax benefits
Lifetime policy renewal
Direct claim settlement
Cashless treatment
Free look period

In-Patient Care Expenses

The cost of medical treatment is paid off when you or any of your insured family members get hospitalized for the treatment. Following expenses are reimbursed/paid:

Option to buy a 2-year policy term
Hospital accommodation pre & post-hospitalization expenses
Refill benefit
All day care treatment costs
Alternative treatments
Renewal benefit
Emergency ambulance expenses
Organ transplantation costs
Optional hospital cash
Domiciliary treatment cost
Vaccination expenses after an animal bite

Coverage under Variant 1, Variant 2 and Variant 3

Coverage	Variant 1	Variant 2	Variant 3
In-patient care (hospitalization)	For you and your family members	For you and your family members	For you and your family members
Hospital accommodation	All types of hospital rooms without capping (except above room category or suite)	All types of hospital rooms without capping (except above room category or suite)	All types of hospital rooms without capping (except above room category or suite)
Pre & post-hospitalization expenses	30 days pre-hosp.60 days post-hosp	30 days pre-hosp.60 days post-hosp	30 days pre-hosp.60 days post-hosp
All day care treatments covered	Covered	Covered	Covered
Refill benefit	Covered	Covered	Covered
Alternative treatments	AYUSH treatment up to the base sum insured	AYUSH treatment up to the base sum insured	AYUSH treatment up to the base sum insured
Renewal benefit	NCB 20%Health Check-up once every2 years	NCB 20%Annual Health Check-up	NCB 20%Annual Health Check-up
2 year policy tenure option	12.5% discount	12.5% discount	12.5% discount
Emergency ambulances	Up to INR 3,000	Up to INR 3,000	Up to INR 3,000
Organ transplant	Covered	Covered	Covered
Domiciliary treatment	Covered	Covered	Covered
Vaccination in case of animal bite	Reimbursement up to Rs. 2500 for OPD treatment	Reimbursement up to Rs. 5000 for OPD treatment	Reimbursement up to Rs. 7500 for OPD treatment
Hospital cash (optional)	Rs. 1000	Rs. 2000	Rs.4000

Exclusions of Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

The plan doesn’t cover the following medical expenses:

Ancillary Hospital Charges
Circumcision
Artificial life maintenance
Behavioral, Neurodegenerative and Neurodevelopmental Disorders
Alternative & Complementary Medicine
Conflict and Disasters
Hazardous Activities
Reconstructive and Cosmetic Surgery
External Congenital Anomaly
Rehabilitation & Convalescence
Dental treatment expenses
HIV, and AIDS related expenses
Eyesight & Optical Services
Experimental/Investigational or Unproven Treatment
Weight Control Programs
Unjustifiable hospitalization
Inconsistent diagnostic procedures
Non-medical expenses
Psychiatric and mental conditions
Off- label drug or treatment
Treatment received outside India
OPD treatment costs
Menopause and puberty related problems
Sleep disorders
Sexually transmitted diseases
Reproductive medicines or treatment method
LASER treatment, Robotic Assisted Surgery, & Light-based treatment
Substance-related and addictive disorders
Unlawful activities
Unrecognized physician or hospital

Claim Process of Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan

Choose a hospital that is in your vicinity from the list of Niva Bupa (Formerly known as Max Bupa) network hospitals. It is suggested that you pick a hospital before 72 hours of the treatment. To ease the identification process you need to carry the following documents:

Niva Bupa (Formerly known as Max Bupa) Health Insurance Card or Policy Number
Voters' Card
Passport
Driver's License
PAN Card

The network hospital will carry out the validation process and will submit you pre-authorization process to the insurer. The decision will be communicated to the network hospital within 30 minutes in most of the cases.

You can start with the treatment and after getting discharged you can sign all the forms, documents, and invoices. To ease the hospitalization procedure the insurer will assign a relationship manager to take you through the process. The insurer will pay off the hospital for all the pre-approved treatments (as per policy T&C).

Claim Process for Niva Bupa (Formerly known as Max Bupa) Health Companion Family Floater Plan for International Treatment

You can select a network hospital and call at their International helpline number as mentioned in the policy documents. To facilitate the identification process and hospital admission process you need to furnish the listed documents:

Name of the policyholder/customer
Customer I.D
Policy number
Age Proof
Photo I.D proof
All the medical records
Contact number
Email ID
Diagnosis with medical investigation reports
Surgery/treatment advised by the treating doctor
Preferred date options for the treatment
Preferred hospital and country for the treatment

Niva Bupa (Formerly known as Max Bupa)’s international claim team will give you a reference number after you have filed a claim. Once all the documents are approved and the claim is processed, our dedicated International claim team will take you through the international cashless hospitalization. Their health experts shall also monitor your health while you are undergoing treatment in one of the best international hospitals.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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