‘Arogya Sanjeevani’ provides health insurance coverage for you and your family. The policy is a simple, easy to understand and no-frill product which provides all essential benefits needed in a health insurance policy. Apart from offering you this health insurance cover, we are also committed to provide you with quality services when you need it the most.

  • In-patient Care (Hospitalisation)

We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.

  • Hospital Accommodation

  • The room rent, boarding, nursing expenses (as provided by the Hospital/ Nursing Home) limit under this policy is up to 2% of sum insured, subject to a maximum of Rs. 5,000 per day.

  • ICU/ ICCU charges are covered up to 5% of sum insured, subject to a maximum of Rs. 10,000 per day.

  • Pre & Post Hospitalisation Medical Expenses

We will reimburse pre & post hospitalisation medical expenses incurred due to illness/injury. The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days from the date of discharge from the hospital. This is subject to Niva Bupa accepting the In-patient Care hospitalization.

  • Day care treatments covered

We will cover all the day care treatments under the product.

  • AYUSH Treatments

We will cover the medical expenses incurred on the insured person’s hospitalisation for Inpatient Care on treatment taken under Ayurveda, Yoga or Naturopathy, Unani, Siddha and Homeopathy.

  • Road Ambulance

We will also cover the ambulance expenses up to Rs. 2,000 per hospitalization only if we have accepted the In-patient claim.

  • Cataract Treatment

We will cover the expenses for a treatment of cataract, subject to a limit of 25% of sum insured or Rs. 40,000, whichever is lower, per eye in one policy year. A specific waiting period of 24 months would also be applicable for cataract treatment.

  • Modern Treatments

The following treatments will be covered as in-patient or day care procedures up to a maximum of 50% of sum insured.

      1. Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound)

      2. Balloon Sinuplasty

      3. Deep Brain Stimulation

      4. Oral Chemotherapy

      5. lmmunotherapy- Monoclonal Antibody to be given as injection

      6. Intra Vitreal Injections

      7. Robotic Surgeries

      8. Stereotactic Radio Surgeries

      9. Bronchical Thermoplasty

      10. Vaporisation of the Prostrate (Green Laser treatment or Holmium Laser Treatment)

      11. IONM-(Intra Operative Neuro Monitoring)

      12. Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

  • Cumulative Bonus

For every claim free year, you will get an increase of 5% of expiring Sum Insured at renewal (without break), subject to a maximum of 50% of Sum Insured. The cumulative bonus accrued will be reduced at the same rate in case of a claim. However, sum insured will be maintained and will not be reduced.

  • Co-payment

Each and every claim, which is payable according to the terms and conditions of the policy, will be subject to a co-payment of 5% on the claim amount.

  • Tax Benefit

Save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

  • Assured Policy Renewal for Life

Once insured with us, you will always remain our customers subject to continued payment of premium. We assure you renewability for life with no extra loadings based on your claim history.

  • Direct Claim Settlement

We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our customer service team.

  • Cashless Facility

Cashless Facility can be availed only at our Network Providers or Service Providers. Please contact us for more details.

  • Free Look Period

We endeavor for transparency and complete satisfaction and therefore, our policies are transparent and easy to understand. If you are not satisfied, we provide a 15-day free look period (30 days if the policy has been sold through distance marketing) within which you can cancel your plan stating the reason.

  • Information at your fingertips

Get quick and easy access to your claims history, your health information, your health profile, including records of tests and other details on our website.

Click Here to read the policy wording.