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NIVA Bupa Health Plus

Sum Insured : Rs
Insurance Premium : Rs

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In patient Treatment covered upto Rs

  • Doctors’ fees

  • Diagnostics Tests

  • Medicines, drugs and consumables

  • Intravenous fluids, blood transfusion, injection administration charges

  • Operation theatre charges

  • Cost of prosthetics and other devices or equipment if implanted internally during Surgical Operation

Hospital Accommodation covered upto Rs per day

Intensive Care Unit (ICU charges) covered Upto Rs

Pre and post hospitalization expenses covered upto Rs (Expenses up to 30 days immediately before and up to 60 days immediately after hospitalization including doctor's consultation, diagnostics tests, medicines, drugs and consumables)

Organ Transplant when medically necessary covered upto Rs

Emergency Ground Ambulance covered upto Rs 1000 per Hospitalization

Initial Waiting Period: 30 days and Pre-existing waiting period – 48 Months

Co-Payment Amount: 20% co-payment per hospitalization for all ages (For the claim amount is Rs1 lac, then Insurer would pay up to Rs80,000 while the balance would be borne by customer)

Disease Specific Limits

Disease Amount (Rs)
Appendectomy – Appendix 32,000
Hip Replacement (Bilateral) including cost of implants
Angioplasty including cost of implants and angiography
Hernioplasty/Herniorraphy- Unilateral including cost of mesh and tacker 32,000
Hydrocele 18,000
Haemorrhoidectomy including Cost of stapler 29,000
Total Knee Replacement (Unilateral) including cost of implants 72,000
Cataract per eye including Cost of Lens 18,000
Cholecystectomy 26,000
Hip Replacement (Unilateral) including cost of implants 72,000
Arthroscopic Surgery ( Other Than ACL / Menisectomy) 29,000
Hernioplasty/Herniorraphy- Bilateral including Cost of mesh and tacker 37,000
PCNL- Bilatera- Stone removal 43,000
Temporary Pacemaker Implantation including cost of temporary pacemaker 14,000
Total Knee Replacement(Bilateral) including cost of implants
Hysterectomy (Abdominal/Vaginal) 40,000
PCNL- Unilateral 37,000
Valve Replacement including cost of implants
*Maximum Payout will be the limit or the Sum Insured amount, whichever is lower
  • Addictive conditions and disorders

  • Ageing and puberty

  • Artificial life maintenance

  • Ayurvedic and Homeopathic treatment

  • Circumcision

  • Conflict and disaster

  • Convalescence and Rehabilitation

  • Cosmetic Surgery

  • Dental/Oral treatment

  • Drugs and dressings for OPD Treatment or take-home use

  • External Congenital Anomaly

  • Eyesight

  • Unproven / Experimental treatment

  • Unani, Yoga and Siddha treatmen

  • Health hydros, nature cure, wellness clinics etc

  • HIV and AIDS

  • Hereditary conditions

  • Items of personal comfort and convenience, including but not limited to the items as mentioned in the policy wording

  • Psychiatric and Psychosomatic Conditions, Obesity, OPD Treatment

  • Reproductive medicine - Birth control & Assisted reproduction

  • Self-inflicted injuries, Sexual disorder and gender issues

  • Sexually transmitted diseases, Sleep disorders, Speech disorders

  • Treatment for developmental problems, Treatment received outside India, Unrecognized physician or Hospital, Unlawful Activity, Genetic disorders

  • Any expenses as mentioned under the List of Generally Excluded under Hospitalization Cover

Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.