Niva Bupa (Max Bupa)
Health Premia Gold
Health Premia Gold covers most bases. If offers comprehensive protection. Its coverage is more than adequate. And if you travel internationally often, then they'll even cover you abroad. Also, you can avail international treatments for certain critical illnesses like Cancer. The only catch is that this policy is much more expensive than other policies in its class.
What's good here?
You most likely don't have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. And if you’ve opted to co-pay a part of the bill, have you thought through it completely?
The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. And if you’ve opted to co-pay a part of the bill, have you thought through it completely?
You can pick any room so long as it’s not a Suite
Shared rooms are okay. Single private rooms are okay. Most rooms are okay unless it’s a suite room — the expensive stuff. Then you’ll have to start splitting the bill.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹70,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
What's okay here?
Covers international treatments
This policy will cover you for all sorts of internatioanal treatments, but only in case of emergencies. So if you're someone who travels frequently to abroad, this plan might be a good fit for you.
This policy will cover you for all sorts of internatioanal treatments, but only in case of emergencies. So if you're someone who travels frequently to abroad, this plan might be a good fit for you.
Special Bonus for being healthy
Your sum insured increases by 10% each year irrespective of your claim status in the current year. However, the sum insured keeps increasing as long as the Loyalty benefit sum insured reaches 100% of the sum insured.
Your sum insured increases by 10% each year irrespective of your claim status in the current year. However, the sum insured keeps increasing as long as the Loyalty benefit sum insured reaches 100% of the sum insured.
Frequently Asked Questions
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