Niva Bupa Arogya Sanjeevani Policy: Key Benefits and Coverage
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Niva Bupa Arogya Sanjeevani Policy

This health policy is an indemnity plan that provides coverage for wha ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

About Niva Bupa Arogya Sanjeevani Policy

A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.

Don't be misled by the notion that 'this policy won't work for every medical emergency.' The Niva Bupa Arogya Sanjeevani health policy is an indemnity plan that provides coverage many insurance plans couldn't offer at an affordable premium. Available as an individual and a family floater health policy, it offers a sum insured up to INR 10 Lakhs, covering primary family members like your spouse, children, parents, and parents-in-law.

In emergencies, you need health insurance that covers medical expenses related to hospitalisation, including pre & post-hospitalisation, ICU charges, and room rent with a sub-limit of INR 5,000 per day. Unlike other Arogya Sanjeevani policies, Niva Bupa covers COVID-19 treatment and medical expenses related to AYUSH treatment or alternative therapies. It also covers specified daycare procedures.

This plan ensures your overall safety with streamlined medical facilitation. The Niva Bupa Arogya Sanjeevani policy is designed for your family's health interests, aligning with every section of society due to its affordability.

The Arogya Sanjeevani policy is ideal for those new to health insurance, featuring a co-payment clause at a rate of 5% on every claim during the policy tenure. This page answers your questions about the Niva Bupa Arogya Sanjeevani policy, its eligibility criteria, specific benefits, and the claim settlement process.

Read further to learn more about this comprehensive policy.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
3 Months - 25 Years (Family plan) 18 - 65 Years (Individual plan)
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹80 L, ₹1 L, ₹5 L, ₹10 L
Waiting period
30 days
Renewability
After 1 year
Policy term
1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups

Cons

  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Benefits of Niva Bupa Arogya Sanjeevani Policy

Below are some notable benefits of the Arogya Sanjeevani Policy of Niva Bupa:

  • Family coverage

    The Arogya Sanjeevani policy indemnity plan ensures the safety of your family members first (with a floater plan). It provides medical support to the policyholder, legally married spouse, children, parents, and parents-in-law under a single plan.

  • COVID-19 treatment cover

    No need for other plans specifically for COVID-19 coverage, as the Niva Bupa Arogya Sanjeevani policy covers hospital costs for coronavirus treatment.

  • Daycare procedure covers

    The plan offers specified daycare procedures that require hospitalisation for less than or equal to 24 hours. The procedures for daycare cover are mentioned during the policy commencement.

  • Grace period

    If you pay your premiums annually, you get a grace period of 30 days. For other payment modes, the policy offers a grace period of 15 days.

  • Tax benefits

    All premiums paid towards the Niva Bupa Arogya Sanjeevani Policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • This policy schedule has some exclusions mentioned below:
  • Any kind of external congenital illnesses or voluntary treatments like cosmetic therapies/beautification/plastic surgery, etc.
  • OPD and home care treatments
  • Unproven treatments, rest care, rehabilitation, etc.
  • Sterility and infertility, birth control, gender change treatments, etc.
  • Maternity expenses like childbirth, miscarriage, and lawful medical termination of pregnancy during the policy period
  • Hypertension, diabetes, cardiac arrests, organ transplants, donor expenses, etc.
  • Investigation and evaluation purposes
  • Obesity/weight control/liposuction
  • Hazardous/adventure sports/nuclear wars, defensive attacks, etc.
  • Breach of the law, alcoholism, drug, or substance abuse cases, etc.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. Entry Age: 3 Months - 25 Years
  • Adult Entry Age: - 18 - 65 Years
  • SI: - 50000 - 10 L
  • Initial Waiting Period: - 30 Days

Other features & benefits

  • Individual & family floater plan
  • Cashless claim settlement
  • Up to 2 Cr SI
  • Premiums are affordable

Niva Bupa Arogya Sanjeevani Policy: FAQs

The 5 most-asked questions about Niva Bupa Arogya Sanjeevani Policy, answered.

The maximum sum insured under this plan is up to INR 3 Lakhs to a maximum of 2 Crores.
Yes, the Niva Bupa Arogya Sanjeevani Policy covers the treatment for COVID-19.
Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.
It offers family floater plan benefits so your spouse, parents/ in-laws/ children (3 months-25 years) or all can be covered under the same policy.
No, there is no variant of Arogya Sanjeevani’s policy of Niva Bupa.

Conclusion

Arogya Sanjeevani policy is an indemnity policy specially designed to offer basic and standard medic

Explore Niva Bupa Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 5 Mar 2024 · Originally published: 27 Sep 2024

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