Max Bupa Super Saver Policy vs Manipalcigna Lifestyle Protection Accident Care Plan Health Insurance Plan 2026 | PolicyX

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Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans: Niva Bupa Health Pulse and Niva Bupa Health Recharge. When combined, the premiums become affordable without compromising on health coverage benefits. You can buy the Niva Bupa Super Saver health policy for yourself or your family, as it is available in both individual and family floater plans.
The major benefits of the plan include in-patient hospitalisation, pre and post-hospitalisation, domiciliary hospitalisation, daycare procedures treatment, emergency ambulance, health check-ups, hospital accommodation, and organ transplant cover. Additionally, you can avail of unlimited consultation, tax benefits, modern treatment, lifelong renewability, alternative treatments, multi-year discounts, and more.
Apart from this, the Super Saver Niva Bupa health policy has additional criteria for add-on covers, specifications of which are given below:

Add-on Covers with Niva Bupa Super Saver Policy

  • Personal Accidental Cover

    Accidental death, accidental permanent total disability, and accidental permanent partial disability are covered.
  • Critical Illness Cover

    The major categories of critical illnesses are covered, such as cancer, open heart replacement, CABG, stroke, bone marrow/major organ transplant, kidney failure, and more.
  • Hospital Cash Benefit

    If you are hospitalised for more than 48 hours, the insurer will pay daily hospital cash up to a maximum of 30 days.
  • Room Rent Modification

    If the base policy implies a room rent capping at the rate of 1%, you have the freedom to optimize it with a single private room, covered up to your policy's sum insured.
  • No-Claim Bonus Enhancement

    If your base sum insured is about to expire, you can enhance the no-claim bonus by 20% for every claim-free policy term, up to 200%.
  • Enhancement of Refill Benefit

    You can refill the value of your base sum insured by 150% if the sum insured limit is about to expire.

Read further to understand the eligibility criteria for buying a Super Saver policy, the benefits of buying it, specifications and coverage benefits, how to claim, and much more.

PLAN DETAILS

Max Bupa Super Saver Policy

Manipalcigna Lifestyle Protection Accident Care Plan

Product Type Individual and Family Health Insurance Accident Health Insurance
Key Features
(Key features of the plan)
  • Lifetime renewability
  • Unlimited e-consultations
  • Cover for modern treatments
  • Lump sum payout
  • Dependent children cover
  • Loss of income benefit
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 15000
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.)
Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
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)
Applicable -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Applicable -
Plan Entry Age Minimum- 18 Years, Maximum- 65 Years Child: 5 - 25 years, Adult: 18 - 80 years
Plan Premium Entry Age and S/A 9214 6492
Plan Waiting Period 30 Days NA
Plan Coverage - -
Plan Sample Premium 9214 6492
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 Year/s 1, 2, 3 years
ICU Charges Covered -
Covid-19 Treatment Covered -
Cataract Covered -
Automatic Restoration Not Covered -
Ayush Treatment Covered -
Modern Treatment Covered -
E Consultation Covered -
Air Ambulance Covered -
Global Coverage Not Covered -
Claim Ratio 98 98
Solvency Ratio 3.03 1.76

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