AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & policy wordings.
Unlimited Sum Insured
Choose an unlimited coverage tier where there is no ceiling on valid inpatient hospitalisation bills.
Flight Mode Extension
Pauses your domestic policy usage while abroad and extends your coverage period by up to 30 days.
Live Healthy Step Rewards
Track your daily steps on Niva Bupa app to earn up to 30% discount on policy renewal premiums.
Coverage & Limits
Inpatient hospitalisation, room rent, ICU limits, and procedures.
Any Room (Zero Capping)
100% Unlimited Forever (From 1st Claim)
60 Days Pre-hospitalization / 180 Days Post-hospitalization covered at actuals
All modern surgical procedures requiring <24 hours admission covered at actuals
Road ambulance covered up to actuals; Air ambulance up to ₹5,00,000 per policy year
100% Inpatient hospitalisation covered in Ayurvedic, Yoga, Unani, Siddha, Homeopathy institutes
Covered up to full Sum Insured for harvesting organ from donor
Value Added Services
Complimentary checkups, teleconsultations, and wellness rewards.
Waiting Periods
Initial, pre-existing disease (PED), and specific illness timelines.
Additional Features
Cumulative Bonus (NCB), Consumables, and Maternity riders.
Claim Settlement Track Record
Official IRDAI public disclosures (Form NL-37) on claim settlement metrics.
4,82,140+ Claims Paid across retail health.
Average pre-authorization approval time at network hospitals.
Financial stability metric (Mandatory IRDAI statutory minimum is 1.50).
Exclusions
Standard non-payable conditions per IRDAI master circular.
Summary
Licensed IMF AdvisoryHAMCHAAR IMF LLP · IRDAI License IMF09380620250815 · Zero fees charged for consultation