Q1. What expenses are covered under Niva Bupa Health Insurance for Parents?

Ans: The policy covers expenses for reaching the hospital (ambulance), expenses during hospitalization (hospital admission), expenses before and after hospitalization (pre & post hospitalization), treatment at home (domiciliary hospitalization), organ donor expenses, and provides a no-claim bonus (NCB) for every claim-free year.

Q2. What is covered under the Inpatient Care benefit of Niva Bupa Health Insurance for Parents?

Ans: The Inpatient Care benefit covers the medical expenses incurred during hospitalization for illnesses or injuries. This includes room rent, boarding and nursing charges, medical practitioners' fees, investigative tests, medicines, operation theatre charges, intensive care unit charges, and more.

Q3. Does Niva Bupa Health Insurance for Parents cover alternative treatments like Ayurveda and Homeopathy?

Ans: The policy covers alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy. The treatment should be taken in an AYUSH Hospital, and the policy also covers pre-hospitalization and post-hospitalization medical expenses related to alternative treatments.

Q4. How does the no-claim bonus (NCB) work under Health Insurance?

Ans: In most health insurance policies, for each claim-free year, the policy typically adds 10% of the expiring policy's base sum insured as NCB, up to a maximum of 100%. The NCB can be carried forward to a new policy, provided the sum insured is not reduced, and distinct rules apply to individual and floater policies.

Q5. What are pre and post-hospitalization expenses in a health insurance plan?

Ans: In health insurance, pre and post-hospitalization expenses refer to coverage for medical costs occurring before and after a hospital stay. Pre-hospitalization expenses (usually 30 to 60 days prior) cover consultations, tests, and medications leading up to hospitalization. Post-hospitalization expenses (typically 60 to 180 days) include medical costs after discharge. These expenses must be related to the condition requiring hospitalization and covered under your policy's terms and conditions. Specifics can vary by insurance plan.

Niva Bupa Health Insurance for Parents

Niva Bupa Health Insurance Plans for Parents offer an all-encompassing approach to address the medical needs of parents above 50 years. By covering a wide range of medical expenses, Niva Bupa Health Insurance for parents ensures comprehensive healthcare support upto Rs 1 Crore. These plans also provide valuable benefits tailored for parents in their golden years, including annual health check-ups, personalized health coaching, emergency assistance services, and extensive coverage for modern medical treatments, all contributing to their well-being and peace of mind.

Niva Bupa Health Insurance Plans for Parents

Familiarize yourself with the Niva Bupa Health Insurance plans, tailored to provide comprehensive coverage for parents:

Plan Name	Plan Variant	Sum Insured	Pre-existing Diseases Waiting Period	Co-Payment
Senior First	Gold	Rs 5 lakhs to Rs 10 lakhs	2 Years	50%
Senior First	Platinum	Rs 5 lakhs to Rs 25 lakhs	2 Years	50%
ReAssure	-	Rs 3 lakhs to Rs 1 Crore	3 Years	-
ReAssure 2.0	-	Rs 5 lakhs to Rs 1 Crore	2 Years	-
Health Companion	-	Rs 3 lakhs to Rs 1 Crore	3 Years	-
GoActive	-	Rs 4 lakhs to Rs 25 lakhs	3 Years	20% for treatment in Mumbai, Delhi NCR, Kolkata & Gujarat State under Zone 2
Health Premia	Silver	Rs 1 lakh to Rs 5 lakhs	2 Years	-
	Gold	Rs 5 lakhs to Rs 50 lakhs	2 Years	-
	Platinum	Rs 10 lakhs to Rs 3 Crores	2 Years	-
Health Pulse	Classic	Rs 3 lakhs to Rs 5 lakhs	4 Years	20% for treatment in Delhi NCR, Mumbai, Kolkata and Gujarat
Enhanced	Rs 3 lakhs to Rs 25 lakhs	4 Years	-
Elixir	-	Rs 5 lakhs to Rs 15 lakhs	3 Years	-
Heartbeat	Silver	Rs 1 lakh to Rs 15 lakhs	4 Years	20% for treatment in Mumbai, Delhi NCR, Kolkata & Gujarat State under Zone 2
	Gold	Rs 1 lakh to Rs 50 lakhs	2 Years
	Platinum	Rs 5 lakhs to Rs 1 Crore	2 Years
Health Multiplier	-	Rs 5 lakhs to Rs 10 lakhs	2 Options (2 Years & 3 Years)	-

Choose Health Insurance Company for Parents

Aditya Birla Health Insurance for Parents

Bajaj Allianz Health Insurance for Parents

Care Health Insurance for Parents

Digit Health Insurance for Parents

Future Generali Health Insurance for Parents

HDFC ERGO Health Insurance for Parents

ICICI Lombard Health Insurance for Parents

IFFCO Tokio Health Insurance for Parents

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Eligibility Criteria for Niva Bupa Health Insurance for Parents

Here are the prerequisites for purchasing Niva Bupa Health Insurance for parents:

Plan Name	Minimum Entry Age	Maximum Entry Age	Renewability
Senior First	61 Years	75 Years	-
ReAssure	18 Years	No age limit	Lifelong
ReAssure 2.0	18 Years	No age limit	Lifelong
Health Companion	18 Years	No age limit	Lifelong
GoActive	18 Years	65 Years	Lifelong
Health Premia	18 Years	No age limit	Lifelong
Health Pulse	18 Years	No age limit	Lifelong
Elixir	18 Years	65 Years	Lifelong
Heartbeat	18 Years	No age limit	Lifelong
Health Multiplier	18 Years	65 Years	Lifelong

Key Benefits of Niva Bupa Health Insurance for Parents

Explore the essential benefits of Niva Bupa Health Insurance for Parents:

Expenses incurred during hospitalization for treatment, including modern treatments like robotic surgeries, stem cell therapy, and oral chemotherapy, are covered
Coverage for consultations, medicines, physiotherapy, and diagnostic tests for 60 days before the date of admission and 180 days after the date of discharge, if related to the condition for which hospitalization claim is paid
Treatment at home is covered if there is no availability of a hospital room and a minimum of 3 consecutive days of treatment is received
Hospitalization expenses for organ donors during an organ transplant are covered
Migration to a different policy within the same product is allowed, with the NCB carried forward as per the policy type and sum insured
Health check-up facilities are available once every policy year, covering a range of tests such as complete blood count, physical examination, and various diagnostic tests
Avail Tax benefits under Sec 80 D of the Income Tax Act
Coverage for medical expenses incurred for day care treatments, including angiography, dialysis, radiotherapy, and chemotherapy for cancer
Coverage for alternative treatments, such as Ayurveda, Unani, Siddha, and Homeopathy, when taken in AYUSH hospitals
Coverage for medical expenses incurred for domiciliary hospitalization, where the insured person is treated at home for at least 3 consecutive days due to illness or injur

Inclusions of Niva Bupa Health Insurance for Parents

Niva Bupa Health Insurance for parents features coverage for the following factors:

Coverage	Senior First	ReAssure	ReAssure 2.0	Health Companion	GoActiveTM	Health Premia	Health Pulse	Elixir	Heart Beat Insurance Policy	Health Multiplier
In-patient hospitalization expenses	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Pre-hospitalization medical expenses	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Post-hospitalization medical expenses	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Day care treatment	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Domiciliary hospitalization	✓	✓	✓	✓	✓	✓	✓	✓	✓	X
Road ambulance cover	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Organ donor expenses	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
AYUSH treatment	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Domestic emergency assistance services	X	X	X	X	X	✓	X	X	✓	X
International emergency assistance services	X	X	X	X	X	✓	X	X	✓	X
Second e-opinion on major illnesses	X	✓	X	X	✓	✓	X	✓	✓	X
Home treatment	✓	✓	✓	✓	X	X	X	✓	X	X
Modern treatments	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
OPD treatment	X	X	X	X	✓	✓	X	X	✓	X
Personal health coach	X	X	X	X	X	✓	X	X	X	X
Super reload	X	X	X	X	✓	✓	X	✓	X	X
Mental Illness Hospitalization	X	X	X	X	X	✓	✓	X	✓	X
Post-hospitalization physiotherapy cover	X	✓	✓	✓	X	✓	✓	✓	X	✓
Premium waiver	X	X	X	X	X	✓	X	X	✓	X
International coverage for major illnesses	X	X	X	X	X	✓	X	X	✓	X
Personal accident cover	X	X	X	X	✓	✓	X	X	✓	X
Critical illness cover	X	X	X	X	X	✓	X	X	✓	✓
Daily allowance	X	X	X	✓ (as Hospital Cash)	X	X	X	✓ (Shared accommodation Cash Benefit)	X	X
Vaccination cover	X	X	X	✓ (for Animal Bite only)	X	✓	X	X	✓	X

Optional Inclusions (Purchased as Add-ons)

Here is the list of optional coverages you can opt for while buying Niva Bupa Health Insurance for parents:

Annual Aggregate Deductible
Modification in co-payment: 0% / 20% / 30% / 40%
Personal Accident Cover
Hospital Cash: Additional fixed amount for each day's hospitalization for maximum up to 30 days
Safeguard: Coverage for non-payable items mentioned in the Policy Wordings
Safeguard+
I-Protect
Health Coach
Personal Accident Cover
Pre-Existing Disease Waiting Time Modification: Option to reduce or increase the waiting time for pre-existing diseases
Room Type Modification: Option to choose between a Single Private Room and a Sharing Room
E-Consultations: Consultations with General Physicians on Mobile Application

Exclusions of Niva Bupa Health Insurance for Parents

The following treatment and medical costs are not eligible for coverage under Niva Bupa Health Insurance for parents:

Non-medical expenses
Treatments due to alcohol addiction
Obesity and weight control treatments
Cost of contact lenses, spectacles, and hearing aids
Cosmetic or plastic surgery
Treatment for baldness
Intentional self-injury
Hormone replacement therapy
Treatment for sexually transmitted infections and diseases (other than HIV/AIDS)
Treatment for sleep disorders
Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism
Any change of profession after inception of the Policy or any Renewal which results in the enhancement of Our risk, if not accepted and endorsed by Us on the Policy Schedule
Treatments received in health hydros, nature cure clinics, spas, or similar establishments
Expenses related to unproven treatments that lack significant medical documentation to support their effectiveness

FAQs

Q1. What expenses are covered under Niva Bupa Health Insurance for Parents?

Ans: The policy covers expenses for reaching the hospital (ambulance), expenses during hospitalization (hospital admission), expenses before and after hospitalization (pre & post hospitalization), treatment at home (domiciliary hospitalization), organ donor expenses, and provides a no-claim bonus (NCB) for every claim-free year.
Q2. What is covered under the Inpatient Care benefit of Niva Bupa Health Insurance for Parents?

Ans: The Inpatient Care benefit covers the medical expenses incurred during hospitalization for illnesses or injuries. This includes room rent, boarding and nursing charges, medical practitioners' fees, investigative tests, medicines, operation theatre charges, intensive care unit charges, and more.
Q3. Does Niva Bupa Health Insurance for Parents cover alternative treatments like Ayurveda and Homeopathy?

Ans: The policy covers alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy. The treatment should be taken in an AYUSH Hospital, and the policy also covers pre-hospitalization and post-hospitalization medical expenses related to alternative treatments.
Q4. How does the no-claim bonus (NCB) work under Health Insurance?

Ans: In most health insurance policies, for each claim-free year, the policy typically adds 10% of the expiring policy's base sum insured as NCB, up to a maximum of 100%. The NCB can be carried forward to a new policy, provided the sum insured is not reduced, and distinct rules apply to individual and floater policies.
Q5. What are pre and post-hospitalization expenses in a health insurance plan?

Ans: In health insurance, pre and post-hospitalization expenses refer to coverage for medical costs occurring before and after a hospital stay. Pre-hospitalization expenses (usually 30 to 60 days prior) cover consultations, tests, and medications leading up to hospitalization. Post-hospitalization expenses (typically 60 to 180 days) include medical costs after discharge. These expenses must be related to the condition requiring hospitalization and covered under your policy's terms and conditions. Specifics can vary by insurance plan.

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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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