🌟 Silver • Gold • Platinum

Niva Bupa Health Premia is a premium comprehensive health insurance plan designed for individuals and families seeking extensive medical coverage in India and overseas. It offers coverage up to ₹3 Crore, maternity benefits, international treatment options, premium wellness services, annual health check-ups, and advanced medical protection. It is available in Silver, Gold, and Platinum variants.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🛡️ Plan Variants

🥈 1. Health Premia Silver

An affordable premium health insurance plan with comprehensive hospitalization benefits.

✨ Key Features

🏥 Comprehensive Hospitalization Cover

🩺 Health Check-up from Day 1 (Once every 2 years)

👶 Maternity Cover

👶 Newborn Baby Cover

🍼 Newborn Vaccination Cover

🚑 Emergency Assistance Services (Within India)

📈 Loyalty Additions

👨‍⚕️ Unlimited Teleconsultations

💊 Pharmacy & Diagnostic Discounts

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🥇 2. Health Premia Gold

Enhanced protection with international emergency coverage.

✨ Additional Benefits

🛏️ Single Private Room (Suite excluded)

🌍 International Emergency Hospitalization

✈️ Emergency Medical Evacuation

📄 Loss of Passport Cover

🧳 Loss of Checked-in Baggage

👶 Enhanced Maternity Benefits

🩺 Annual Health Check-up

👨‍⚕️ Second Medical Opinion

🔬 LASER Surgery Cover

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

💎 3. Health Premia Platinum

The most comprehensive Health Premia variant.

✨ Premium Benefits

🛏️ Any Room Category

🌍 Worldwide Medical Coverage (including optional USA & Canada enhancement)

💊 OPD Consultation & Diagnostic Cover

👶 Higher Maternity Benefit

🩺 Annual Health Check-up

👨‍⚕️ Second Medical Opinion

🤖 Advanced Modern Treatments

💰 Premium Waiver Benefit

🎯 Highest Level of Protection

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

💰 Sum Insured Options

Choose from:

✅ ₹5 Lakhs

✅ ₹7.5 Lakhs

✅ ₹10 Lakhs

✅ ₹15 Lakhs

✅ ₹20 Lakhs

✅ ₹30 Lakhs

✅ ₹50 Lakhs

✅ ₹1 Crore

✅ ₹2 Crore

✅ ₹3 Crore

(Availability depends on the selected variant.)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

👨‍👩‍👧 Who Can Be Covered?

👤 Self

💑 Spouse

👶 Dependent Children

👴 Parents

👵 Parents-in-law

👨‍👩‍👧 Family Floater

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🏥 Hospitalization Coverage

The policy covers eligible hospitalization expenses including:

🛏️ Room Rent

🏥 ICU Charges

👨‍⚕️ Doctor Consultation Fees

💉 Surgery Expenses

🩺 Nursing Charges

💊 Medicines

🧪 Diagnostic Tests

🩸 Blood & Oxygen

🦴 Medical Implants

🌿 AYUSH Hospitalization

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🚑 Pre & Post Hospitalization

Before Hospitalization

📅 90 Days

🩺 Doctor Consultation

🧪 Diagnostic Tests

💊 Medicines

After Hospitalization

📅 180 Days

🩺 Follow-up Consultation

💊 Medicines

🧪 Diagnostic Tests

🩹 Recovery Care

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

💉 Day Care Procedures

Coverage for all eligible daycare procedures including:

👁️ Cataract Surgery

❤️ Angiography

🩸 Dialysis

🧬 Chemotherapy

☢️ Radiotherapy

🦴 Arthroscopy

👂 ENT Procedures

🏥 Minimally Invasive Surgeries

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🤖 Modern Treatments

Coverage includes eligible advanced procedures such as:

🤖 Robotic Surgery

💉 Immunotherapy

🧬 Stem Cell Therapy (Specified Conditions)

🧠 Deep Brain Stimulation

🌬️ Balloon Sinuplasty

⚡ CyberKnife Surgery

🩺 Bariatric Surgery (as per policy terms)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

♻️ Refill Benefit

If your Base Sum Insured and accumulated loyalty benefits are exhausted due to an eligible claim, you receive an additional Sum Insured equal to the Base Sum Insured for subsequent eligible claims in the same policy year.

✅ Available for the same illness or a different illness, subject to policy conditions.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📈 Loyalty Additions

Reward for remaining claim-free.

Silver

📈 10% increase in Base Sum Insured every claim-free year.

🎯 Maximum accumulation up to 100% of the Base Sum Insured.

Gold & Platinum

⭐ Enhanced Loyalty Additions available as per the selected plan and policy conditions.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

👶 Maternity & Newborn Benefits

Includes

🤰 Maternity Expenses

👶 Newborn Baby Cover

🍼 Newborn Vaccination

🩺 Pregnancy-related Hospitalization

Coverage Limits

🥈 Silver – Up to ₹35,000

🥇 Gold – Up to ₹50,000

💎 Platinum – Up to ₹1,00,000

Subject to the applicable waiting period and policy conditions.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🌍 International Coverage

Gold

🌎 Emergency hospitalization outside India (excluding USA & Canada under the standard cover)

✈️ Emergency Medical Evacuation

🛄 Loss of Passport

🧳 Loss of Checked-in Baggage

Platinum

🌎 Higher international coverage

🏥 Worldwide treatment options

💊 OPD benefits overseas (as per policy)

🌍 Optional enhanced geographical cover including USA & Canada

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🩺 Health Check-up

🥈 Silver – Once every 2 years (from Day 1)

🥇 Gold – Every policy year (up to ₹2,500 per insured)

💎 Platinum – Every policy year (up to ₹5,000 per insured)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🚑 Ambulance Cover

🚑 Road Ambulance

✈️ Emergency Medical Evacuation (Gold & Platinum international benefits)

🚨 Emergency Assistance Services

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🌿 AYUSH Treatment

Coverage for inpatient treatment under:

🌱 Ayurveda

🧘 Yoga

🌿 Naturopathy

💊 Unani

🌼 Siddha

✨ Homeopathy

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

❤️ Organ Donor Cover

Coverage includes:

❤️ Organ Donor Hospitalization

🧪 Donor Medical Expenses

🏥 Organ Transplant Expenses

Covered according to policy terms.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

⭐ Premium Services

👨‍⚕️ Unlimited Teleconsultations

👨‍⚕️ Second Medical Opinion (Gold & Platinum)

💊 Pharmacy Discounts

🧪 Diagnostic Discounts

🏃 Health Coach

📱 Wellness Support

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

➕ Optional Add-ons

🛡️ Personal Accident Cover

❤️ Critical Illness Cover

🏥 Hospital Cash Benefit

🌍 Enhanced Geographical Cover (including USA & Canada)

💊 Additional OPD Benefits

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

⏳ Waiting Period

📅 Initial Waiting Period – 30 Days (except accidents)

🩺 Specific Diseases – 24 Months

❤️ Pre-existing Diseases – 24 Months

🤰 Maternity Benefit – Waiting period applies as specified in the policy.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

❌ Major Exclusions

🚫 Cosmetic Surgery

🚫 Self-inflicted Injuries

🚫 Alcohol & Drug Abuse

🚫 Experimental Treatments (unless covered)

🚫 Non-medical Expenses (unless specifically covered)

🚫 Treatments outside policy terms

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

⭐ Why Choose Niva Bupa Health Premia?

✅ Coverage up to ₹3 Crore

✅ Three Premium Plan Options

✅ Refill Benefit

✅ International Coverage

✅ Maternity & Newborn Cover

✅ Annual Health Check-ups

✅ Modern Treatment Cover

✅ Organ Donor Cover

✅ AYUSH Treatment

✅ Teleconsultation & Wellness Services

✅ Family Floater Available

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📄 Documents Required

🪪 Aadhaar Card

🆔 PAN Card (if applicable)

📍 Address Proof

📷 Passport-size Photograph

🏥 Previous Medical Records (if required)

💳 Bank Account Details

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

📞 Need More Information?

💙 Protect Your Family with Niva Bupa Health Premia!

📞 Free Expert Consultation

💻 Instant Premium Quote

📝 Quick & Hassle-Free Policy Issuance

🏥 Choose Health Premia Silver, Gold, or Platinum for premium healthcare protection with comprehensive hospitalization benefits, international medical coverage, maternity support, wellness services, and lifelong peace of mind.