Claim Settlement Ratio 96%
Claim Settlement Facility 100%
Network Hospitals 4500
COVID-19 Cover Yes
Incurred Claim Ratio 50.19%
Niva bupa health insurance offers OPD consultations up to 10 times during the policy period. The request for OD consultation can be raised through the mobile application or website and the facility can be availed either through cashless or reimbursement mode. The number of consultations will be applicable for all the insured persons on a cumulative basis for the policy year. Any unutilized consultations cannot be carried forward to the next policy year.
This benefit is available to the primary insured person or the primary insured person along with his/her spouse. Personalized health coaching would be available where the insured can connect with a personal coach through mobile application to get guidance to achieve his/her personal health goals. There would be certain task based points on completion of tasks which can be redeemed for the renewal premium. A maximum of 20% discount would be offered for insured customers having a health score of more than 90000.
An additional 10% of the base sum insured would be provided to the customers at the time of renewal every year for policy lifetime. This option can only be opted at the time of purchasing the health insurance policy and the option can be opted out post which this option would not be available and in such case the accumulated increased sum insured would not increase and remain the same if the additional premium is paid or would be reduced to zero if you do not pay any additional premium.
There are no sub limits applicable for common health conditions such as cataract, joint replacements and cancer etc. The sub limits would be usually in place in certain health insurance policies where few illnesses or diseases would have a sum insured limit and is less than the base sum insured. Under this option an insured can spend as much as up to the sum insured for the illnesses such as Cataract, joint replacement etc.
The ReAssure benefit triggers immediately after the first claim is paid. This is a benefit with unlimited sum insured. The maximum amount ReAssure benefit would pay for any single claim is up to the base sum insured. In simple words each claim would be equal to the base sum insured, for every claim the insured person would have the base sum insured at his/her disposal.
The policy also pays for non-payable items such as gloves, masks and many more on a cashless basis. This option is available as an add-on under the policy.