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Niva Bupa Money Saver health insurance plan combines two separate health plans: Niva Bupa Health Companion and Niva Bupa Health Recharge. It is available in two categories: individual plan and family floater plan. The Money Saver plan is designed to provide maximum benefits of two plans combined at affordable premiums.
How are the premiums lower for the Money Saver health plan compared to buying the Health Recharge plan and Health Companion plan separately? Let’s understand this with an example:
Suppose a 25-year-old individual, Prashant, has bought a Niva Bupa Money Saver plan with a sum insured of INR 30 Lakhs. The Health Companion provides INR 5 Lakhs, and the Health Recharge plan provides INR 25 Lakhs. For Prashant, living in a city (excluding Delhi (NCR), Surat, Kolkata, Mumbai, Thane, Jaipur, Ludhiana, and Pune), the estimated premium amount will be approximately INR 620/month. He will have to bear INR 5 Lakhs as a deductible as per the Health Recharge plan, managed through the coverage of the Health Companion plan.
| PLAN DETAILS |
Max Bupa Money Saver Plan |
Star Senior Citizen Plan |
| Product Type | Individual and Family Health Insurance | Senior Citizen Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
10000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | - |
| Plan Entry Age | Minimum- 3 Months Maximum- 65 Years | 60 Years to 75 Years |
| Plan Premium Entry Age and S/A | 10,967 | 45134 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 10,967 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 / 2 / 3 year |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Not Covered | - |
| Automatic Restoration | Not Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Covered | - |
| E Consultation | Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Not Covered | - |
| Claim Ratio | 98 | 99.06 |
| Solvency Ratio | 3.03 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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