Niva Bupa (erstwhile Max Bupa)
GoActive
The Niva Bupa GoActive plan is a digitally enabled health insurance policy designed for everyday use, offering holistic coverage for individuals and families. It provides cover amount options up to ₹25 lakhs. Land includes features like OPD consultations, diagnostic services, pre- and post-hospitalization expenses (90-180 days respectively), domiciliary care, day care & AYUSH treatments coverage (up to SI). Unique benefits include the I-Protect add-on (increases sum insured by 10% on every renewal), personalized health coaching with premium discounts, and second medical opinions for critical illnesses. Above all, the plan uses technology to create a seamless wellness ecosystem through its app.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You can pick any room so long as it’s not a Suite
Shared rooms are okay. Single private rooms are okay. Most rooms are okay unless it’s a suite room — the expensive stuff. Then you’ll have to start splitting the bill.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for For few robotic surgeries, up to 1L and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs, up to a certain limit. In this case, it’s ₹2,000 annually with a cap on each visit — ₹500 per consultation.
What's bad here?
Gym benefits aren't included in this policy
Gym benefits aren't included in this policy.
Gym benefits aren't included in this policy.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Special Bonus for being healthy
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such in-built benefit but you can avail the same by paying a little extra in premiums..
What's lacking here?
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Maternity benefits not offered
The insurer does not cover expenses related to maternity
Consumables aren't covered in this policy
Consumables aren't covered in this policy.
Add-on
I-Protect
With this add-on, you get an increase in sum insured by 10% of the base sum insured for every renewal. This benefit will be provided for every policy year as long as the policy is renewed or until you request for - opting out of this benefit.
Frequently Asked Questions
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