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Deutsche Bank has tied up with Niva Bupa Health Insurance Company Limited, a leading health insurance company to bring to you a range of products to suit your insurance needs.

Overview

Today’s modern lifestyle leads to sudden illnesses or accidents. These events force us to spend our savings on paying hospitals bills. Sometimes these diseases also force us to spend days or months in hospital or at home recovering. While we recover we also lose our earnings.

You need to protect yourself with a health insurance policy even if:

- You are young and healthy
- Your company covers you and your family
- You think you have enough savings

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Health Premia

Product Name – Health Premia

Product header - Your health deserves nothing less

Product USP - (Platinum Variant) –

Comprehensive coverage up to 3 Crore
Maternity (worldwide)∞ and newborn baby cover^
Modern Treatments coverage
International coverage for specified illness and medical emergencies∞
International coverage for specified illness and medical emergencies∞
Annual health check-up of your choice from day 1
Refill benefit for any illness in a policy year
Loyalty Additions of 10% in sum insured per year

Product Coverage and Limits

(Individual and Floater)

Plans	Silver		Gold					Platinum
Base Sum Insured (in Rs)	5 Lakhs	7.5 Lakhs	10 Lakhs	15 Lakhs	20 Lakhs	30 Lakhs	50 Lakhs	100 Lakhs	200 Lakhs	300 Lakhs
Benefits
Inpatient care	Covered up to Sum Insured
Room rent	Covered up to Sum Insured (except for Suite or above room category)							Covered up to Sum Insured
Pre-Hospitalization Medical Expenses (90 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (180 days)	Covered up to Sum Insured
Day Care Treatment Covered up to Sum Insured	Covered up to Sum Insured
Domiciliary Hospitalization	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Network Hospital: Covered up to Sum Insured; Non-network Hospital: Covered up to Rs. 2,000 per event
e-consultation	Unlimited tele / online consultations
Maternity Benefit (covered for up to 2 pregnancies or terminations) (1)	Covered up to Rs 40,000	Covered up to Rs 60,000	Covered up to Rs 70,000	Covered up to Rs 75,000	Covered up to Rs 80,000	Covered up to Rs 1,00,000	Covered up to Rs 1,00,000	Covered up to Rs 200,000 (worldwide excluding USA & Canada)
New Born Baby (covered uptill the end of Policy Year) (1)	Covered up to Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year
Health Check-up (from Day 1) for silver and gold variants - Cashless only for platinum - both cashless and reimbursement	Annual, Tests covered up to worth Rs 1,250 per Insured Person	Annual, Tests covered up to worth Rs 1,875 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 5,000 per Insured Person	Annual, tests covered up to worth Rs 7,500 per Insured Person	Annual, tests covered up to worth Rs 10,000 per Insured Person	Annual, tests covered up to worth Rs 10,000 per Insured Person	Annual, tests covered up to worth Rs 10,000 per Insured Person
Re-fill benefit	Reinstate up to base Sum Insured. Applicable for same & different illness as well
Premium Waiver	One time premium waiver if the Policyholder dies or suffers from specified illness
Pharmacy and diagnostic services	Available through our empanelled service provider
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured
HIV / AIDS	covered up to Rs 50,000
Emergency assistance services (only within India)	covered up to Sum Insured
Medical consultation referral	covered up to Sum Insured
Emergency medical evacuation (air ambulance)	covered up to Sum Insured
Medical repatriation	covered up to Sum Insured
Compassionate visit	covered up to Sum Insured
Care and/or transportation of minor children	covered up to Sum Insured
Return of mortal remains	covered up to Sum Insured
Mental disorder treatment	Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)							Covered up to Sum Insured (sub-limit of Rs 1,00,000 applicable on few conditions
LASER surgery cover	Not available	Covered up to Rs 50,000							Covered up to Rs 1,00,000
Second Medical Opinion	Not available	Not available							Covered worldwide, One opinion per Insured Person per Specified Illness / planned Surgery
Child Care Benefits	Not available	Not available							Covered worldwide, One opinion per Insured Person per Specified Illness / planned Surgery
Specified Illness Cover (2) (outside India for worldwide excluding USA & Canada)	Not available	Not available							Covered up to Sum Insured
OPD cover	Not available	Not available							covered up to Rs 50,000 per policy
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
International coverage (outside India for worldwide excluding USA & Canada)	Not available	Condition: One single trip (max 15 days) per Insured Person;							Covered worldwide, One opinion per Insured Person per Specified Illness / planned Surgery
International coverage (outside India for worldwide excluding USA & Canada)	Not available	International Sum Insured: up to Rs. 30 Lacs per Insured Person							International Sum Insured: up to Rs. 1 Cr per Insured Person
Emergency Hospitalization	Not available	Covered up to International Sum Insured
Emergency Medical Evacuation	Not available	Covered up to International Sum Insured
OPD cover	Not available	Covered up to International Sum Insured with a co-payment of 20%
Compassionate visit	Not available	Covered up to International Sum Insured
Loss of Passport	Not available	Covered up to Rs 20,000
Care and/or transportation of minor children	Not available	Covered up to International Sum Insured
Loss of checked-in baggage	Not available	Covered up to Rs 10,000
Return of mortal remains	Not available	Covered up to International Sum Insured
Trip Cancellation & Interruption	Not available	Rs 25,000
Trip Delay	Not available	Rs 10,000
Delay of Checked-in Baggage	Not available	Rs 5,000
Medical Referral	Not available	Covered up to International Sum Insured
Medical repatriation	Not available	Covered up to International Sum Insured
Optional Benefits
Personal Accident cover (for insured aged 18 years & above on individual basis)	25 lacs					50 lacs			1 cr
Critical illness cover (for insured 18 years & above on individual basis)	5 lacs / 10 lacs					10 lacs / 15 lacs / 25 lacs			25 lacs / 50 lacs / 1 Cr
Enhanced Loyalty Addition	Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured
International coverage extension (outside the geographical boundaries of India for worldwide excluding USA & Canada)	Not available					1. Double Sum Insured for 'international coverage' benefit 2. Additional single trips available from 1 day to 30 days			Double Sum Insured for 'international coverage' benefit
Hospital Cash	Rs 1,500/day					Rs 3,000/day			Rs 6,000/day
Enhanced Geographical Scope for International coverage	Not available					USA & Canada included for Maternity Benefit under platinum plan, Specified Illness under platinum plan and International coverage
Health Coach	Personalized health coaching for insured aged 18 years & above for any 90 days per Policy Year

subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with Us.

The symptoms of the Specified Illness first occur or manifest itself during the Policy Period and after completion of the 90 day from the inception of 1st Policy with Us.

Family First

Plans	Silver	Gold	Platinum
Base Individual Sum Insured (in Rs & per Insured Person)	1Lacs, 2Lacs, 3Lacs, 4Lacs & 5Lacs	5Lacs, 6 Lacs, 7 Lacs, 8 Lacs, 9 Lacs & 10Lacs	10 Lacs, 11 Lacs, 12 Lacs, 13 Lacs, 14 Lacs & 15 Lacs
Floater Sum Insured (in Rs)	Number of Insured Persons (value to be considered as 10 for more than 6 members) * Base Individual Sum Insured * Multiplier factor (1.5 for 2 member policy & 1 for others)
Benefits
Inpatient care	Covered up to Sum Insured
Room rent	Option 1: Rs 3,000 per day or Shared Room; whichever is lower Option 2: Rs 5,000 per day or Single Private Room; whichever is lower	Covered up to Sum Insured (except for Suite or above room category)	Covered up to Sum Insured
Pre-Hospitalization Medical Expenses (90 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (180 days)	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Hospitalization	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Network Hospital: Covered up to Sum Insured; Non-network Hospital: Covered up to Rs. 2,000 per event
e-consultation	Unlimited tele / online consultations
Maternity Benefit (covered for up to 2 pregnancies or terminations) (1)	Covered up to Rs 35,000	Covered up to Rs 50,000	Covered up to Rs 1,00,000 (worldwide excluding USA & Canada)
New Born Baby (covered uptill the end of Policy Year) (1)	Covered up to Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year
Health Check-up (from Day 1) for silver and gold variants - Cashless only for platinum - both cashless and reimbursement	Once in two years, tests as per annexure	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, tests covered up to worth Rs 5000 per Insured Person
Premium Waiver	One time premium waiver if the Policyholder dies or suffers from specified illness
Pharmacy and diagnostic services	Available through our empanelled service provider
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured
HIV / AIDS	Covered up to Rs 50,000
Emergency assistance services (only within India)	Covered up to Sum Insured
- Medical consultation referral	Covered up to Sum Insured
- Emergency medical evacuation (air ambulance)	Covered up to Sum Insured
- Medical repatriation	Covered up to Sum Insured
- Compassionate visit	Covered up to Sum Insured
- Care and/or transportation of minor children	Covered up to Sum Insured
- Return of mortal remains	Covered up to Sum Insured
Mental disorder treatment	Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)		Covered up to Sum Insured (sub-limit of Rs 1,00,000 applicable on few conditions)
LASER surgery cover	Not available	Covered up to Rs 50,000	Covered up to Rs 1,00,000
Second Medical Opinion	Not available	Not available	covered worldwide, One opinion per Insured Person per Specified Illness / planned Surgery
Child Care Benefits	Not available	Not available	Covered up to Sum Insured
Specified Illness Cover (2) (outside India for worldwide excluding USA & Canada)	Not available	Not available	Covered up to Sum Insured
OPD cover	Not available	Not available	covered up to Rs 35,000 per policy
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
International coverage (outside India for worldwide excluding USA & Canada)	Not available	Condition: One single trip (max 15 days) per Insured Person; International Sum Insured: up to Rs. 30 Lacs per Insured Person	Condition: annual multi trip (Max 45 days coverage in a single trip) International Sum Insured: up to Rs. 1 Cr per Insured Person
Emergency Hospitalization	Not available		Covered up to International Sum Insured
Emergency Medical Evacuation	Not available		Covered up to International Sum Insured
OPD cover	Not available		Covered up to International Sum Insured with a co-payment of 20%
Compassionate visit	Not available		Covered up to International Sum Insured
Loss of Passport	Not available		Covered up to Rs 20,000
Care and/or transportation of minor children	Not available		Covered up to International Sum Insured
Loss of checked-in baggage	Not available		Covered up to Rs 10,000
Return of mortal remains	Not available		Covered up to International Sum Insured
Loss of checked-in baggage	Not available		Covered up to Rs 10,000
Return of mortal remains	Not available		Covered up to International Sum Insured
Trip Cancellation & Interruption	Not available		Rs 25,000
Trip Delay	Not available		Rs 10,000
Delay of Checked-in Baggage	Not available		Rs 5,000
Medical Referral	Not available		Covered up to International Sum Insured
Medical repatriation	Not available		Covered up to International Sum Insured
Optional Benefits
Personal Accident cover (for insured aged 18 years & above on individual basis)	25 lacs	50 lacs	1 Cr
Critical illness cover (for insured 18 years & above on individual basis)	5 lacs / 10 lacs	10 lacs / 15 lacs / 25 lacs	25 lacs / 50 lacs / 1 Cr
Enhanced Loyalty Addition	Increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 200% of Base Sum Insured
International coverage extension (outside the geographical boundaries of India for worldwide excluding USA & Canada)	Not available	Double Sum Insured for 'international coverage' benefit Additional single trips available from 1 day to 30 days	Double Sum Insured for 'international coverage' benefit
Hospital Cash	Rs 1,500/day	Rs 3,000/day	Rs 6,000/day
Enhanced Geographical Scope for International coverage	Not available		USA & Canada included for Maternity Benefit under platinum plan, Specified Illness under platinum plan and International coverage
Health Coach	Personalized health coaching for insured aged 18 years & above for any 90 days per Policy Year

subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with Us.
The symptoms of the Specified Illness first occur or manifest itself during the Policy Period and after completion of the 90 day from the inception of 1st Policy with Us.

For detailed coverage information, please refer to the policy terms and conditions document.

Product Design and Eligibility

Policy Type – ‘Health Premia’ product can be issued to an individual customer or to a family with up to 4 children (referred to as a ‘family floater’ policy) or extended family (referred to as a ‘family first’ policy).
Entry Age - The range of entry ages for Adults under the policy is from 18 years (last birthday) to 65 years (last birthday). The range of entry ages for dependent children is from 91 days to 30 years under a family floater policy.
Relationships allowed – The Family First may be available in any of the below relationships with the Proposer -
Relationships allowed
Legally married spouse as long as he or she continues to be married to You;
Son;
Daughter-in-law as long as Your son continues to be married to Your Daughter-in-law;
Daughter; Son-in-Law as long as Your daughter continues to be married to Your Son-in-law;

Father;

Mother; Father-in-law as long as Your spouse continues to be married to You;

Mother-in-law as long as Your spouse continues to be married to You.;Grandfather;

Grandmother;

Grandson;

Granddaughter;

Brother;

Sister;

Sister-in-law;

Brother-in-law;
Nephew;
Niece

Lifetime Renewability - There is no maximum cover ceasing age on renewals.

Discounts Offered -

Term discount: The default policy term for all plans is one year. Two year and three-year policy term options are also available under the product. You get 7.5% discount on the premium for second policy year + 15% discount on the premium for third policy year (If Opted for)

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

Product Exclusions

Investigation & Evaluation
Rest Cure, rehabilitation and respite care
Obesity/ Weight Control
Cosmetic or plastic Surgery
Hazardous or Adventure sports
Breach of law
Excluded Providers
Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof
Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons
Refractive Error
Unproven Treatments
Sterility and Infertility
Maternity Expenses
Conflict & Disaster
External Congenital Anomaly
Dental treatment
Unrecognized Physician or Hospital
Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

For detailed exclusions list information, please refer to the policy terms and conditions document.

Disclaimer: Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024. ∞By default, coverage is not available for USA & Canada. However, coverage can be extended to USA & Canada on payment of additional premium. ^Maternity and newborn baby cover not available under individual plan. (1) subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with Us. (2) The symptoms of the Specified Illness first occur or manifest itself during the Policy Period and after completion of the 90 day from the inception of 1st Policy with Us. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. CIN: U66000DL2008PLC182918. Website: www.nivabupa.com. Fax: + 91 11 41743397. Customer Helpline No.: 1860-500-8888. Product Name: Health Premia. Product UIN: MAXHLIP21176V022021.

ReAssure 2.0

Product Name – ReAssure 2.0
Product header - Nothing Seems Impossible

Product USP –

Lock the Clock (1) - Save as you age. Pay as per entry age, until you claim.
ReAssure Forever (2) - Turns on after 1 claim. Unlimited times and forever.
Booster+ (3) - Don’t lose what you don’t use. Carry forward the balance sum insured.
Safeguard+ (4) - All non-payables covered (5)
Live Healthy (6) - Up to 30% discount on renewal premium basis step count.
Hospitalisation covered for 2 or more hours. (11)

Product Coverage and Limits

Variant	Platinum+	Titanium+
Base Sum Insured (INR)	5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs, 100 Lacs
Benefits
Hospitalisation Expenses	Covered up to Sum Insured. Coverage for any Hospitalisation 2 hours or more is covered. 24 hours in case of AYUSH treatment in an AYUSH Hospital.
Pre-Hospitalisation	60 Days. Covered up to Sum Insured.
Post-Hospitalisation	180 Days. Covered up to Sum Insured.
Modern Treatments	Covered up to Sum Insured (sub-limit of INR 1 Lac per claim on few robotic surgeries).
Ambulance	Road Ambulance: Covered up to Sum Insured Air Ambulance: up to INR 2,50,000 per Hospitalisation
Home Care/Domiciliary	Covered up to Sum Insured.
Organ Donor	Covered up to Sum Insured.
Annual Health Checkup (Day 1)	For defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured. (Individual: Maximum INR 5,000 per Insured; Family Floater: Maximum INR 10,000 per policy).
ReAssure+	ReAssure “Forever”: First claim paid triggers ReAssure “Forever”. It is unlimited. Each Claim under ReAssure “Forever” will be up to Sum Insured. Lock the Clock: Pay premiums as per your entry age, till a claim is paid
Booster+	5X: Unutilized Base Sum Insured carries forward to the next policy year, maximum up to 5 times.	10X: Unutilized Base Sum Insured carries forward to the next policy year, maximum up to 10 times.
Live Healthy	Up to 30% discount on premium at the time of Renewal.
Shared Accommodation	Up to INR 15 Lac Base Sum Insured: INR 800 per day; Maximum INR 4,800 Above INR 15 Lac Base Sum Insured: INR 1,000 per day; Maximum INR. 6,000
Second Medical Opinion	Once for any condition in a Policy Year
e-consultation	Unlimited e-consultation within our network.
Optional Benefits
Hospital Cash	Up to INR 5 Lac Base Sum Insured: INR 1,000/day Between INR 10 Lac to INR 15 Lac Base Sum Insured: INR 2,000/day Above 15 Lac Base Sum Insured: INR 4,000/day
Personal Accident	Equal to 5 times of Base Sum Insured. Maximum up to INR 1 Crore.
Safeguard	Claim Safeguard: Non-payable items will be covered (as per list I of Annexure I) Booster+ Safeguard: No impact on Booster+ if claim in a policy year is less than INR 50,000 Sum Insured Safeguard: CPI linked increase in Base Sum Insured
Safeguard+	Claim Safeguard+: Non-payable items will be covered (as per list I, II, III, IV of Annexure I) Booster+ Safeguard+: No impact on Booster+ if claim in a policy year is less than INR 1,00,000 Sum Insured Safeguard+: CPI linked increase in Base Sum Insured
Add On
Smart Health+	Acute Care - Unlimited teleconsultations with Apollo 24*7 general, specialized and super-specialized doctors along with Pharma and Diagnostic coverage Disease Management - Day 1 coverage for - Hypertension and Diabetes Loading waiver for Hypertension and Diabetes Discount at renewal basis quarterly tests

For detailed coverage information, please refer to the policy terms and conditions document

Product Design and Eligibility

Policy Type – ReAssure 2.0 can be issued to individual customer(s) or to a family with up to 5 children (refer to as family floater).

Entry Age - This policy covers persons in the age group 91 days and above. The minimum entry age for adult is 18 years and for dependent child is 91 days. There is no maximum entry age limit for adults in this product. The maximum entry age allowed for dependent child is 30 years.
Relationships allowed can be self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee
Lifetime Renewability - There is no maximum cover ceasing age on renewals.

For detailed coverage information, please refer to the Prospectus document.

Family Discount: 10% discount on premium if 2 or more members are covered under an individual policy.
Term discount: The default policy term for all plans is one year. Two year and three-year policy term options are also available under the product. Youi get 7.5% discount on the premium for second policy year + 15% discount on the premium for third policy year (If Opted for)
Standing Instruction Discount: 2.5% discount on premium if standing instruction for renewal is provided and the policy is renewed using the same.
Doctor Discount: 5% discount on premium if an Insured Person is a certified Medical Practitioner.
Live Healthy: up to 30% Discount at the time of buying the policy and at renewals.

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

Product Exclusions

Investigation & Evaluation
Rest Cure, rehabilitation and respite care
Obesity/ Weight Control

Cosmetic or plastic Surgery

Hazardous or Adventure sports

Breach of law

Excluded Providers

Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof

Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons

Refractive Error

Unproven Treatments

Sterility and Infertility

Maternity Expenses

Conflict & Disaster

External Congenital Anomaly

Dental treatment

Unrecognized Physician or Hospital

Costs which are not Reasonable and Customary and treatments which are not Medically Necessary

Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

For detailed exclusions list information, please refer to the policy terms and conditions document.

Disclaimer: Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024. . (1) Part of ReAssure+ Benefit. The premium of the age you entered at, will apply until a claim is paid. The product may be repriced as per IRDAI guidelines and policy terms and conditions. (2) Part of ReAssure+ and ReAssureX Benefit. (3) A single claim under the ReAssure+ bucket will always be paid up to the base sum insured. (3) Unutilised base sum insured will be carried forward up to a maximum of 10X. (4) Safeguard+ is an optional benefit and is available on payment of an extra premium. (5) As per the list I, II, III, IV under Annexure I of policy terms and conditions. (6) Eligible insured person for this benefit will be - a. All members except son/daughter under a Family Floater policy & b. Any member of age at least 18 years under an Individual policy. (11) Minimum 24 hours of hospitalisation required for AYUSH treatment in an AYUSH Hospital.For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. CIN:U66000DL2008PLC182918. Website: www.nivabupa.com. Fax: + 91 11 41743397. Customer Helpline No.: 1860-500-8888. Product Name: ReAssure 2.0. Product UIN: NBHHLIP23169V012223

Senior First

Product Name – Senior First
Product header - A Promise of Love

Product USP –

ReAssure - ReAssure Benefit will trigger after the 1st claim itself. It is unlimited. Each claim will be up to the base sum insured.
Health check-up – Starting from day 1. Only on cashless basis.
No sub-limits on common health condition Like cataract, joint replacements, cancer or any other common health conditions
No mandatory pre-issuance medical tests**
Safeguard (Add On) – Coverage for non-payables items (^^).
Annual Aggregate Deductible (Optional) - If deductible is opted, then co-payment will not apply

Product Coverage and Limits.

Variant	Gold	Platinum
Base Sum Insured	5L / 10L	5L / 10L / 15L / 20L / 25L
Benefits
In-patient Care	Covered up to Sum Insured
Room Category	Shared Room	Shared Room
Pre-Hospitalization	Covered up to Sum Insured
Post-Hospitalization (180 days)	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Modern treatments	Covered up to Sum Insured
Ambulance	Road ambulance: up to INR 2,000 per hospitalization Air ambulance: up to INR 2,50,000 per hospitalization
AYUSH Treatments	Covered up to Sum Insured
Treatment at home (Domiciliary Hospitalization)	Covered up to Sum Insured
Organ Donor	Covered up to Sum Insured
No Claim Bonus	Not applicable	In case of claim free year, increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured (In case of claim, no reduction in No Claim Bonus)
ReAssure	Not applicable	Unlimited reinstatement up to base Sum Insured (Applicable for both same & different illness)
Health Check-up	Not applicable	Annual (From Day 1); For defined list of tests; up to INR 500 for every INR 1 Lakh Base Sum Insured (Individual policy: maximum INR 5,000 per Insured; Family Floater policy: maximum INR 10,000 per policy)
Co-payment	50%
Optional Benefits
Annual Aggregate Deductible	1L / 2L / 3L / 4L / 5L
Modification in co-payment	40% / 30% / 20% 0% (Addon)
Safeguard	Claim Safeguard: Non-payable items paid up to Sum Insured (List I) Booster Benefit Safeguard: No impact on Booster benefit if claim in a policy year is less than Rs. 50,000 Sum Insured Safeguard: CPI linked increase in Base Sum Insured

For detailed coverage information, please refer to the policy terms and conditions document.

Product Design and Eligibility

Policy Type – ‘Senior First’ product can be issued to individual or to a couple (husband and wife).
Entry Age - The entry age under this policy is from 61 years to 75 years (as on last birthday).
Relationships allowed can be self & spouse
Lifetime Renewability - There is no maximum cover ceasing age on renewals.

For detailed coverage information, please refer to the Prospectus document.

Discounts Offered -

Family Discount: 10% discount on premium if 2 or more members are covered under an individual policy.
Term discount: The default policy term for all plans is one year. Two year and three-year policy term options are also available under the product. Youi get 7.5% discount on the premium for second policy year + 15% discount on the premium for third policy year (If Opted for)
Standing Instruction Discount: 2.5% discount on premium if standing instruction for renewal is provided and the policy is renewed using the same.

For detailed Product Design and Eligibility and Discount information, please refer to the Prospectus document.

Product Exclusions

Investigation & Evaluation
Rest Cure, rehabilitation and respite care

Obesity/ Weight Control

Change-of-Gender treatments

Cosmetic or plastic Surgery

Hazardous or Adventure sports

Breach of law

Excluded Providers

Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof

Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons

Dietary supplements and substances that can be purchased without prescription.

Refractive Error

Unproven Treatments

Sterility and Infertility

Maternity Expenses

Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.Circumcision

Conflict & Disaster

External Congenital Anomaly

Dental treatment

Hormone Replacement Therapy

Multifocal Lens and ambulatory devices
Sexually transmitted Infections & diseases (other than HIV / AIDS)

Sleep disorders

Any treatment or medical services received outside the geographical limits of India

Any expenses incurred on OPD treatment

Unrecognized Physician or Hospital

Treatment related to intentional self-inflicted Injury or attempted suicide by any means

Costs which are not Reasonable and Customary and treatments which are not Medically Necessary

Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

For detailed exclusions list information, please refer to the policy terms and conditions document.

Health Companion

Product Name – Health Companion – V2022

Product header – The Smart Just got Smarter

Product USP –

Room rent: No more capping on Room Rent. Covered up to Sum Insured
Refill Benefit (1): One-time refill of Base Sum Insured, now even for same illness. Triggers after 1st claim is paid.
Hopitalisation: Now covers hospitalisation for 2 hours or more
No Claim Bonus: 20% increase in Base Sum Insured, every claim free year. Maximum 100% of Base Sum Insured. In case of claim, no reduction in No Claim Bonus.
Safeguard Add-on: Go truly cashless with coverage even for non-payable items like gloves etc.^^
Air Ambulance: Now covers air ambulance up to INR 2.5 Lakhs per hospitalisation

Product Coverage and Limits

(Health Companion Variant 2022)

Base Sum Insured	3/4/5/7.5/10/12.5/15/20/30/50/75/100 lacs
Benefits
Inpatient Care	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
AYUSH Treatment	Covered up to Sum Insured
Modern treatments	Covered up to Sum Insured with sub-limit of INR 1 Lac on few robotic surgeries
Pre-Hospitalization Medical Expenses (60 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (180 days)	Covered up to Sum Insured
Organ Donor	Covered up to Sum Insured
Emergency Ambulance	Road ambulance: up to INR 2,000 per hospitalization Air ambulance: up to INR 2,50,000 per hospitalization
No Claim Bonus	In case of claim free year, increase of 20% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured
Refill Benefit	Up to Base Sum Insured (Applicable for both same & different illness)
Health Check-up	Annual (From Day 1); For defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured (Individual policy: maximum INR 5,000 per Insured; Family Floater policy: maximum INR 10,000 per policy) cashless only
Vaccination for Animal Bite	Up to Rs. 5,000
Home Care / Domiciliary Treatment	Covered up to Sum Insured
Optional benefits
Hospital Cash	Hospital Cash Up to INR 5 Lakh Base Sum Insured: INR 1,000/day Between INR 7.5 Lakh to INR 15 Lakh Base Sum Insured: INR 2,000/day Above 15 Lakh Base Sum Insured: INR 4,000/day
Annual Aggregate Deductible	INR 1 lac / 2 lac / 3 lac / 4 lac / 5 lac / 10 lacs
Safeguard (Rider)	Claim Safeguard: Non-payable items will be covered (as per list I) Booster+ Safeguard: No impact on Booster+ if claim in a policy year is up to INR 50,000 Sum Insured Safeguard: CPI linked increase in Base Sum Insured

For detailed coverage information, please refer to the policy terms and conditions document.

Product Design and Eligibility

Policy Type – ‘Health Companion’ variant 2022 can be issued to individual customer(s) or to a family with up to 4 children (refer to as family floater).
Entry Age - This policy covers persons in the age group 91 days and above. The minimum entry age for adult is 18 years and for dependent child is 91 days. There is no maximum entry age limit for adults in this product. The maximum entry age allowed for dependent child is 25 years.
Relationships allowed is / are self, spouse, father, father in law, mother or mother in law).
Lifetime Renewability - There is no maximum cover ceasing age on renewals.

Discounts Offered

Family Discount: 10% discount on premium if 2 or more members are covered under an individual policy.
Term discount: The default policy term for all plans is one year. Two year and three-year policy term options are also available under the product. Youi get 7.5% discount on the premium for second policy year + 15% discount on the premium for third policy year (If Opted for)
Standing Instruction Discount: 2.5% discount on premium if standing instruction for renewal is provided and the policy is renewed using the same.
Doctor Discount: 5% discount on premium if an Insured Person is a certified Medical Practitioner.
For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

Product Exclusions

Investigation & Evaluation

Rest Cure, rehabilitation and respite care

Obesity/ Weight Control

Cosmetic or plastic Surgery

Hazardous or Adventure sports

Breach of law

Excluded Providers

Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereofTreatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons

Refractive ErrorUnproven Treatments

Sterility and Infertility

Maternity Expenses

Conflict & Disaster

External Congenital Anomaly

Dental treatment

Unrecognized Physician or Hospital

Costs which are not Reasonable and Customary and treatments which are not Medically Necessary

Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

For detailed exclusions list information, please refer to the policy terms and conditions document.

Disclaimer: This is only a summary of the product features and is for reference purpose only. The details of benefits available shall be as described in the prospectus, and will be subject to the policy terms, conditions and exclusions. Please call our customer service if you require any further information or clarification. Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. $$$This is an additional add-on which will be available post payment of additional premium. #Limits as defined in the product benefit table or in the policy document. (1) Refill benefit – reinstatement up to base sum insured. Applicable for same/different illness and on complete/partial exhaustion of sum insured. Available once during a policy year. ^^As per the list I under Annexure I of policy Terms and conditions. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding the sale. CIN: U66000DL2008PLC182918, Product Name: Health Companion | Product UIN: NBHHLIP23108V062223; Add-on Name: Safeguard | Add-on UIN: MAXHLIA21576V012021. Website: www.nivabupa.com. Fax: + 91 11 41743397. Customer Helpline No.: 1860-500-8888.

Health Assurance - CritiCare

Product Name – Health Assurance - CritiCare

Product header - A plan that gives health and financial protection to you and your family against 20 critical illnesses

Product USP –

Higher sum insured of up to INR 3 crore
Discount on 2 / 3 year policy tenure
Single or staggered payout options
Coverage for 20 critical illness namely

Cancer of Specified Severity
Myocardial Infarction
Open Chest CABG
Open Heart Replacement or Repair of Heart Valves
Coma of Specified Severity
Kidney Failure Requiring Regular Dialysis
Stroke Resulting in Permanent Symptoms
Major Organ/Bone Marrow Transplant
Permanent Paralysis of Limbs
Motor Neurone Disease with Permanent Symptoms
Multiple Sclerosis with Persisting Symptoms
Aplastic Anaemia
Bacterial Meningitis
Loss of Speech
End Stage Liver Disease
Deafness
End-stage Lung Disease
Fulminant Viral Hepatitis
Third Degree Burns
Muscular Dystrophy

Product Coverage and Limits

Health Assurance – CritiCare
Age at entry	For adults 18 to 65 years
Sum Insured Options	3/5/7.5/10/15/20/25/30/35/40/45/50/60/75/100/125/150/175/200/225/250/275/300 lacs
Policy Tenure	1 year, 2 years or 3 years
Option 1	For Individual Option: Lumpsum equal to 100% of Sum Insured For Floater Option: Coverage for Self - 100% of Sum Insured; Coverage for Spouse - 100% of Sum Insured; (In any policy year claim can be triggered for one life only)
Option 2	For Individual Option: Lumpsum equal to 100% of Sum Insured + Staggered payout equal to 10% of Sum Insured p.a. subsequently as Income for 5 years For Floater Option: Lumpsum equal to 100% of Sum Insured + Staggered payout equal to 10% of Sum Insured p.a. subsequently as Income for 5 years; (In any policy year claim can be triggered for one life only)
Sum Insured Multiple	Sum Insured not to exceed 12/15 times of annual income for salaried/self-employed respectively

For detailed coverage information, please refer to the policy terms and conditions document.

Product Design and Eligibility

Policy Type – can be issued to an individual customer or family with 2 adults.
Entry Age - Coverage available only for adults. Entry age is 18 years to 65 years
Lifetime Renewability - There is no maximum cover ceasing age on renewals.

For detailed coverage information, please refer to the Prospectus document.

Discounts Offered -

Term discount:

Policy Term 2 years: Avail 12.5% discount on 2nd year premium
Policy Term 3 years: Avail 12.5% discount on 2nd year premium and 15% discount on 3rd year premium.

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

Product Exclusions

Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV).
Attempted suicide or self-inflicted injuries while sane or insane.
Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person’s abuse of drugs and/or consumption of alcohol.
The directions, advice and guidance of the treating Medical Practitioner shall be strictly followed. Company shall not be obliged to make any payment that arises out of willful failure to comply with such directions, advice or guidance.
Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
Taking part in any naval, military or air force operation during peace time.
Participation in aviation/marine activities including crew other than as a passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
Participation by the Insured Person in a criminal or a breach of law with criminal intent.

For detailed exclusions list information, please refer to the policy terms and conditions document.

Health Assurance - AccidentCare

Product Name – Health Assurance - AccidentCare
Product header - A Comprehensive Personal Accident Plan

Product USP –

High Sum Insured options of up to INR 5 crore
No waiting periods applicable
Discount on 2/3 year policy tenure
Coverage for Accidental Death, Accident Permanent Total Disability, Accident Permanent Partial Disability, Child Education Benefit, Funeral Expenses
Enhanced Protection – Can chose for enhanced coverage options like Temporary Total Disability and Accidental hospitalisation benefit
Lifetime Renewability offered

Product Coverage and Limits

AccidentCare
Age at entry	For adults 18 to 65 years and for dependent children 2 years to 21 years (Maximum 2 children covered)
Policy Tenure	1 year, 2 years or 3 years
Sum Insured (SI) - In Rs	5 to 25 Lacs (In multiples of 5 lacs)	30/35/40/45/50/60/75/100/125/150/175/200/225/250/275/ 300/350/400/450/500 lacs
Accident Death	For Individual Option: 100% of Sum Insured For Family Option: - Coverage for Self - 100% of Sum Insured; Coverage for Spouse - 50% of Sum Insured or Rs 10 lacs (whichever is lower); Coverage for Children - 20% of Sum Insured or Rs 5 lacs (whichever is lower)
Accident Permanent Total Disability	125% of Sum Insured
Accident Permanent Partial Disability	As per the grid mentioned herewith
Child Education Benefit	Minimum of 5% of Sum Insured or Rs 50,000 per child	Minimum of 5% of Sum Insured or Rs 500,000 per child
Funeral Expenses	Rs 5,000	Rs 50,000
Sum Insured Multiple	Sum Insured not to exceed 12/15 times of annual income for salaried/self-employed respectively
Optional Benefits
Accident Temporary Total Disability (TTD)	TTD Sum Insured – 1lac to 20 lacs (in multiple of 50,000) TTD benefit - 1% of TTD Sum Insured payable per week. Such weekly payout shall be made for a maximum of 100 weeks
TTD Sum Insured Multiple	TTD Sum Insured not to exceed Lower of (2 times of Annual Income or AccidentCare Sum Insured)
Accident Hospitalization limit (confined to Indian territory only)	Up to 2% of AccidentCare Sum Insured Covered up to the Accident Hospitalization limit. Claim settlement on reimbursement basis only and coverage limited to India only. Emergency Ambulance as a part of overall Sum Insured - Limited to Rs 2,000/claim Physiotherapy as a part of overall Sum Insured - Limited to 10% of Accidental Hospitalization limit

For detailed coverage information, please refer to the policy terms and conditions document.

Product Design and Eligibility

Policy Type – can be issued to an individual customer or family. The family policy offers following combinations:

1 Adult + 1Child
1 Adult + 2 Children
2 Adults
2 Adults + 1Child
2 Adults + 2Children

Entry Age - Coverage available for adults and children. Entry age for adults is 18 years to 65 years and entry age for children is 2 years to 21 years (dependent children)
Relationships allowed - Family includes spouse and dependent children
Lifetime Renewability - There is no maximum cover ceasing age on renewals.

For detailed coverage information, please refer to the Prospectus document.

Discounts Offered -

Term discount:
Policy Term 2 years: Avail 12.5% discount on 2nd year premium
Policy Term 3 years: Avail 12.5% discount on 2nd year premium and 15% discount on 3rd year premium.

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

Product Exclusions

Suicide or self-inflicted injury, whether the Insured Person is medically sane or insane.

Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.

Committing an assault, a criminal offence or any breach of law with criminal intent.

Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner other than the Policyholder or an Insured Person. Participation in aviation/marine including crew other than as a passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports

Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.

Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the PPD benefit.

Any costs or expenses specified in the List of Expenses Generally Excluded at Annexure II of policy document. This is applicable only for Accident Hospitalization benefit.

For detailed exclusions list information, please refer to the policy terms and conditions document.

Heart Beat

Product Name – Heart Beat
Product header – A Comprehensive cover that takes care of the finer details.

Product USP (Platinum Variant) –
Comprehensive Cover - Provides cover ranging from 5 lacs to 1 crore.
Comprehensive Hospitalisation - Coverage of medical expenses 60 days prior and 90 days post hospitalization
Loyalty Benefits(2) - Increase your sum insured by 10% of existing base Sum Insured each year.
Health Check-up(3) - Comprehensive health check-ups or diagnostic tests
Cover for Maternity & New Born Child(4) - Covers maternity expenses as well as first year vaccination for a new born baby
Re-Fill Benefit(5) - One time refill of Base Sum Insured. Triggers after 1st claim is paid. Applicable for same illness and insured
- Additional Coverage for Platinum customers
- International treatment for specified illnesses(6)
- Covers OPD treatment
- Covers second medical opinion(7)
- Covers emergency medical evacuation & hospitalisation for medical emergencies (in and outside India)
Alternative Treatments - Coverage of alternative treatments including Ayurveda, Unani, Siddha and Homeopathy

Base Sum Insured (in Rs)	15 lacs	20 lacs	50 lacs	1 Cr
Benefits
Inpatient care	Covered up to Sum Insured
Room rent	Covered up to Sum Insured
Pre-Hospitalization Medical Expenses (60 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (90 days)	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Hospitalization	Covered up to Sum Insured
Maternity Benefit (covered for up to 2 pregnancies or terminations) (1)	Covered up to Rs 120,000	Covered up to Rs 160,000	Covered up to Rs 200,000	Covered up to Rs 200,000
New Born Baby (covered uptill the end of Policy Year) (1)	Covered up to Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year, vaccinations as per annexure
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Network Hospital: Covered up to Sum Insured Non-network Hospital: Covered up to Rs. 2,000 per event
Re-fill benefit	Reinstate up to base Sum Insured. Applicable for same & different illness as well
Pharmacy and diagnostic services	Available through our empanelled service provider
HIV / AIDS (waiting period of 4 years)	covered up to Rs 50,000
Emergency assistance services	covered up to Sum Insured
Mental disorder treatment (waiting period of 3 years)	Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)
OPD Treatment and Diagnostic Services	Covered up to Rs 15,000	Covered up to Rs 20,000	Covered up to Rs 35,000	Covered up to Rs 50,000
Child Care Benefits (Vaccinations for children up to 12 years including one consultation for nutrition and growth during the visit for vaccination)	Covered up to Sum Insured (As per annexure)
Emergency Medical Evacuation (outside the geographical boundaries of India)	Covered up to Sum Insured ( for worldwide excluding USA & Canada)
Emergency Hospitalization (outside the geographical boundaries of India)	Covered up to Sum Insured ( for worldwide excluding USA & Canada)
Specified Illness Cover (outside the geographical boundaries of India) (2)	Covered up to Sum Insured ( for worldwide excluding USA & Canada)
Second Medical Opinion	Covered, One opinion per Insured Person per Specified Illness / planned Surgery / Surgical Procedure
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured
Health Check-up Cashless only	Annual, tests covered up to worth Rs 3750 per Insured Person	Annual, tests covered up to worth Rs 5000 per Insured Person	Annual, tests covered up to worth Rs 5000 per Insured Person	Annual, tests covered up to worth Rs 5000 per Insured Person
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
Optional Benefits
Hospital Cash	Rs 6,000/day
Enhanced Geographical Scope for International coverage	USA & Canada included for ‘Emergency Medical Evacuation', 'Emergency Hospitalization' & 'Specified illness cover'
Personal Accident cover (for insured aged 18 years & above on individual basis)	Personal Accident cover will be equal to 50 lacs
Critical illness Cover (for insured 18 years & above on individual basis)	Critical illness cover will be equal to 10 lacs
e-consultation	Unlimited tele / online consultations
Premium Waiver	One time premium waiver if the Policyholder dies or suffers from specified illness
Claim cost sharing options
Co-payment	Options of 10% and 20% co-payment

Base Sum Insured (in Rs)	5 lacs	7.5 lacs	10 lacs	15 lacs	20 lacs	30 lacs	50 lacs
Benefits
Inpatient care	Covered up to Sum Insured
Room rent	Covered up to Sum Insured (except for Suite or above room category)
Pre-Hospitalization Medical Expenses (60 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (90 days)	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Hospitalization	Covered up to Sum Insured
Maternity Benefit (covered for up to 2 pregnancies or terminations) (1)	Covered up to Rs 40,000	Covered up to Rs 60,000	Covered up to Rs 70,000	Covered up to Rs 80,000	Covered up to Rs 1,00,000	Covered up to Rs 1,00,000
New Born Baby (covered uptill the end of Policy Year) (1)	Covered up to Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year, vaccinations as per annexure
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Network Hospital: Covered up to Sum Insured Non-network Hospital: Covered up to Rs. 2,000 per event
Re-fill benefit	Reinstate up to base Sum Insured. Applicable for same & different illness as well
Pharmacy and diagnostic services	Available through our empanelled service provider
HIV / AIDS (waiting period of 4 years)	covered up to Rs 50,000
Emergency assistance services	covered up to Sum Insured
Mental disorder treatment (waiting period of 3 years)	Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured
Health Check-up Cashless only	Annual, Tests covered up to worth Rs 1,250 per Insured Person	Annual, Tests covered up to worth Rs 1,875 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
Optional Benefits
Emergency Medical Evacuation (outside the geographical boundaries of India)	Covered up to Sum Insured ( for worldwide excluding USA & Canada)
Emergency Hospitalization (outside the geographical boundaries of India)	Covered up to Sum Insured ( for worldwide excluding USA & Canada)
Specified Illness Cover (outside the geographical boundaries of India) (2)	Covered up to Sum Insured ( for worldwide excluding USA & Canada)
Second Medical Opinion	Covered, One opinion per Insured Person per Specified Illness / planned Surgery / Surgical Procedure
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured
Health Check-up Cashless only	Annual Tests covered up to worth Rs 1,250 per Insured Person	Annual, Tests covered up to worth Rs 1,875 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person	Annual, Tests covered up to worth Rs 2,500 per Insured Person
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
Optional Benefits
Hospital Cash	Rs 3,000/day
Personal Accident cover (for insured aged 18 years & above on individual basis)	Personal Accident cover will be equal to 5 times of base Sum Insured; subject to maximum of 50 lacs
Critical illness Cover (for insured 18 years & above on individual basis)	Critical illness cover will be equal to base Sum Insured; subject to maximum of 10 lacs
e-consultation	Unlimited tele / online consultations
Premium Waiver	One time premium waiver if the Policyholder dies or suffers from specified illness
Claim cost sharing options
Co-payment	Options of 10% and 20% co-payment

(1) subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with Us.

Silver Variant – Individual and Family Floater

Base Sum Insured (in Rs)	2/3 (renewals only) lacs
Benefits
Inpatient care	Covered up to Sum Insured
Inpatient care	Covered up to Sum Insured
Room rent	Shared Room or 1% of the Base Sum Insured per day
Inpatient care	Covered up to Sum Insured
Pre-Hospitalization Medical Expenses (60 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (90 days)	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Hospitalization	Covered up to Sum Insured
Maternity Benefit (covered for up to 2 pregnancies or terminations) (1)	Covered up to Rs 20,000 - 2l SI Covered up to Rs 30,000 - 3l SI
New Born Baby (covered uptill the end of Policy Year) (1)	Covered up to Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year, vaccinations as per annexure
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Network Hospital: Covered up to Sum Insured Non-network Hospital: Covered up to Rs. 2,000 per event
Re-fill benefit	Reinstate up to base Sum Insured. Applicable for same & different illness as well
Pharmacy and diagnostic services	Available through our empanelled service provider
HIV / AIDS (waiting period of 4 years)	covered up to Rs 50,000
Emergency assistance services	covered up to Sum Insured
Mental disorder treatment (waiting period of 3 years)	Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of Base Sum Insured

Health Check-up	Once in two years, tests as per annexure Cashless only
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
Optional Benefits
Hospital Cash	Rs 1,500/day
Personal Accident cover (for insured aged 18 years & above on individual basis)	Personal Accident cover will be equal to 5 times of base Sum Insured
Critical illness cover (for insured 18 years & above on individual basis)	Critical illness cover will be equal to base Sum Insured

e-consultation	Unlimited tele / online consultations
Premium Waiver	One time premium waiver if the Policyholder dies or suffers from specified illness
Claim cost sharing options
Co-payment	Options of 10% and 20% co-payment
Annual aggregate Deductible	1/2/3 lacs

subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with Us.
The symptoms of the Specified Illness first occur or manifest itself during the Policy Period and after completion of the 90 day from the inception of 1st Policy with Us.

Gold Variant – Family First

Base Sum Insured (in Rs)	Base Sum Insured: 1/2/3/4/5/10/15 lacs Floater Sum Insured – 3/4/5/10/15/20/30/50 lacs
Benefits
Inpatient care	Covered up to Sum Insured
Inpatient care	Covered up to Sum Insured
Room rent	Covered up to Sum Insured (except for Suite or above room category)
Inpatient care	Covered up to Sum Insured
Pre-Hospitalization Medical Expenses (60 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (90 days)	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Hospitalization	Covered up to Sum Insured
Maternity Benefit (covered for up to 2 pregnancies or terminations) (1)	Covered up to Rs 20,000 - 2l SI Covered up to Rs 30,000 - 3l SI
New Born Baby (covered uptill the end of Policy Year) (1)	Covered up to Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year, vaccinations as per annexure
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Network Hospital: Covered up to Sum Insured Non-network Hospital: Covered up to Rs. 2,000 per event
Re-fill benefit	Reinstate up to base Sum Insured. Applicable for same & different illness as well
Pharmacy and diagnostic services	Available through our empanelled service provider
HIV / AIDS (waiting period of 4 years)	covered up to Rs 50,000
Emergency assistance services	covered up to Sum Insured
Mental disorder treatment (waiting period of 3 years)	Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of Base Sum Insured
Health Check-up	Once in two years, tests as per annexure Cashless only
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
Optional Benefits
Hospital Cash	Rs 3,000/day
Personal Accident cover (for insured aged 18 years & above on individual basis)	Personal Accident cover will be equal to 5 times of base Sum Insured subject to maximum of 50 lacs
Critical illness cover (for insured 18 years & above on individual basis)	Critical illness cover will be equal to base Sum Insured; subject to maximum of 10 lacs
e-consultation	Unlimited tele / online consultations
Premium Waiver	One time premium waiver if the Policyholder dies or suffers from specified illness
Claim cost sharing options
Co-payment	Options of 10% and 20% co-payment

Base Sum Insured (in Rs)	Base Sum Insured: 1/2/3/4/5 lacs Floater Sum Insured – 3/4/5/10/15 lacs
Benefits
Inpatient care	Covered up to Sum Insured
Inpatient care	Covered up to Sum Insured
Room rent	Rs 3,000 per day or Shared Room
Inpatient care	Covered up to Sum Insured
Pre-Hospitalization Medical Expenses (60 days)	Covered up to Sum Insured
Post-Hospitalization Medical Expenses (90 days)	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Hospitalization	Covered up to Sum Insured
Maternity Benefit (covered for up to 2 pregnancies or terminations) (1)	Covered up to Rs 35,000 per Policy Year
New Born Baby (covered uptill the end of Policy Year) (1)	Covered up to Sum Insured
Vaccination of the new born baby	Covered until new born baby completes one year, vaccinations as per annexure
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Network Hospital: Covered up to Sum Insured Non-network Hospital: Covered up to Rs. 2,000 per event
Pharmacy and diagnostic services	Available through our empanelled service provider
HIV / AIDS (waiting period of 4 years)	covered up to Rs 50,000
Emergency assistance services	covered up to Sum Insured
Mental disorder treatment (waiting period of 3 years)	Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)
Loyalty Additions	Increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of Base Sum Insured
Health Check-up	Once in two years, tests as per annexure Cashless only
Modern Treatments	Covered up to Sum Insured with sub-limit of Rs. 1Lac on few robotic surgeries
Optional Benefits
Hospital Cash	Rs 1,500/day
Personal Accident cover (for insured aged 18 years & above on individual basis)	Personal Accident cover will be equal to 5 times of base Sum Insured
Critical illness cover (for insured 18 years & above on individual basis)	Critical illness cover will be equal to base Sum Insured
e-consultation	Unlimited tele / online consultations
Premium Waiver	One time premium waiver if the Policyholder dies or suffers from specified illness
Claim cost sharing options
Co-payment	Options of 10% and 20% co-payment

subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with Us.

For detailed coverage information, please refer to the policy terms and conditions document.

Product Design and Eligibility

Policy Type – ‘Heart Beat’ product can be issued to an individual customer or to a family with up to 4 children (referred to as a ‘family floater’ policy) or extended family (referred to as a ‘family first’ policy).

Entry Age - The range of entry ages for Adults under the policy is from 18 years (last birthday) to 65 years (last birthday). The range of entry ages for dependent children is from 91 days to 21 years under a family floater policy.

Relationships allowed –

The Family First may be available in any of the below relationships with the Proposer -
Legally married spouse as long as he or she continues to be married to

Son;
Daughter-in-law as long as Your son continues to be married to Your Daughter-in-law;
Daughter; Son-in-Law as long as Your daughter continues to be married to Your Son-in-law;
Father;
Mother;
Father-in-law as long as Your spouse continues to be married to You;
Mother-in-law as long as Your spouse continues to be married to You.;
Grandfather;
Grandmother;
Grandson;
Granddaughter;
Brother;
Sister;
Sister-in-law;
Brother-in-law;
Nephew;
Niece

Lifetime Renewability - There is no maximum cover ceasing age on renewals.

For detailed coverage information, please refer to the Prospectus document.Discounts Offered -

Term discount: The default policy term for all plans is one year. 12.5% Discount on the premium for second policy year (If Opted for)

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

Product Exclusions

Investigation & Evaluation
Rest Cure, rehabilitation and respite care
Obesity/ Weight Control

Cosmetic or plastic Surgery

Hazardous or Adventure sports

Breach of law

Excluded Providers

Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof

Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons

Refractive Error

Unproven Treatments

Sterility and Infertility

Maternity Expenses

Conflict & Disaster

External Congenital Anomaly

Dental treatment

Unrecognized Physician or Hospital

Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

For detailed exclusions list information, please refer to the policy terms and conditions document.

Disclaimer: Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. (2) Refer Loyalty Additions in product benefit table for details. (3) If the Policy is Renewed with Us without a break or if the Policy continues to be in force for the 2nd Policy Year in the 2 year Policy Period (if applicable). (4) subject to a continuous coverage of 24 months of that Insured Person since the inception of the first Policy which offers Maternity benefit with Us. New Born child cover is provided only where maternity claim is payable. Available under Family Floater & Family First plan. (5) Refill benefit – Applicable for same/different illness and on complete/partial exhaustion of sum insured. Not Available for family first plans. (6) Covered for 9 specific illnesses for treatment abroad as per plan. (7) for specific illnesses & planned surgeries. CIN No. U66000DL2008PLC182918. Product name: Heart Beat, Product UIN No.: NBHHLIP23113V072223 Registered Office: C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024. Customer Helpline No.: 1860-500-8888. Fax: +91 11 41743397 . Website: www.nivabupa.com. “For more details on terms and conditions, exclusions, risk factors, waiting period & benefits, please read sales brochure carefully before concluding a sale”.

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Apply Online

SMS HEALTH to 561615

Call 18602666601^#

^#Customers outside India need to dial +91 22 6601 6601.
Customers in Mumbai can also call at +91 22 6601 6601. Call charges apply.

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Deutsche Bank AG, India (“Deutsche Bank”) is a licensed corporate agent of *Aditya Birla Sun Life Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company, Tata AIG General Insurance Company Limited and HDFC ERGO General Insurance Company Limited under the composite license number CA0020.

Insurance products are obligations only of the Insurance company. All insurance products are underwritten by the respective insurance company and are subject to the terms and conditions of the relevant policy issued by that insurance company. They are neither bank deposits nor constitute obligations of or guaranteed by Deutsche Bank or any of its affiliates or subsidiaries or any governmental agency. This communication shall not be construed as investment advice and all decisions to purchase the policy shall be the personal judgement of the customer arrived at after due consideration. All claims under the policy will be solely decided upon by the Insurance Company. The tax benefits on your Policy would be as per the prevailing provisions of the Income Tax Act, 1961 and Income Tax Rules, 1962, as may be amended, modified, or substituted from time to time.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Neither this document nor anything contained herein shall form the basis of any contract or commitment whatsoever. You should take all relevant factors including independent expert advice into account before making any investment or other decision by using the content of this publication.

Deutsche Bank does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, reasonableness, reliability, usefulness, viability or fitness for any particular purpose or completeness of any information in this email and is not responsible for any errors or omissions or for results obtained from the use of such information. Deutsche Bank also disclaims all liability in respect of use of any third-party information or offering, whether proprietary or otherwise. Deutsche Bank is only an agent and not an advisor in offering the insurance products. All insurance products are underwritten by the respective insurance company and are subject to the terms of the relevant policy issued by that insurance company. You are requested to familiarize yourself with the terms and conditions of each individual policy to make well-informed investment decisions. Deutsche Bank hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever.

Insurance is a subject matter of solicitation. The premium paid in unit linked life insurance policies are subject to market and investment risks. NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital and money markets. Yield or a fund’s past performance should not be considered as an indication or guarantee of future yield or results. There is no assurance or guarantee that the objectives of the products will be achieved, and the insured is responsible for his or her decision to invest. The customers are advised to please refer to the respective product brochures and sales illustrations for details of each product and risk factors before concluding any sale. Participation by the bank's customers in an insurance product is purely on a voluntary basis.

Deutsche Bank hereby confirm that the insurance is offered as an ancillary product along with its other existing products. Deutsche Bank further states that none of it’s employees have compelled the customer to necessarily buy the insurance product through Deutsche Bank and neither customer are forced to buy insurance through Deutsche Bank only.

*Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Aditya Birla Sun Life Insurance Company Limited, Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Toll Free No. 1-800-270-7000 Website: www.adityabirlasunlifeinsurance.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110. Aditya Birla Sun Life Insurance and plans offered are only the names of the company and policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any indicate their quality, future prospects or returns.

Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). Registered office: C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024; CIN NO. U66000DL2008PLC182918. Website: www.nivabupa.com. Fax: + 91 11 41743397. Customer Helpline No.: 1860-500- 8888. For more details on terms and conditions, exclusions, risk factors, waiting period & benefits, please read sales brochure carefully before concluding a sale.

Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Aditya Birla Health Insurance Co. Limited., IRDAI Reg.153, CIN No. U66000MH2015PLC263677. Address: One World Centre, Tower 1, 9th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Website: adityabirlahealthinsurance.com, Email: care.healthinsurance@adityabirlacapital.com, Telephone: 18002707000, Fax: +91 2262257700. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark / Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark / Logo Health Returns TM, Healthy Heart Score and Active Dayz are owned by MMI Group Limited. These Trademark / Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Deutsche Bank AG does not underwrite the risk or act as the Insurer.

Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of HDFC ERGO General Insurance Company Limited. IRDAI Reg No: 146, CIN: U66030MH2007PLC177117. Reg Office: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Phone: 1800-2666-400, 022-6234-6234, email: care@hdfcergo.com. The Contract of insurance is between HDFC ERGO and the Insured only and Deutsche Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. For more details on coverage, terms and conditions, please read the sales brochure carefully before concluding a sale.

Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Tata AIG General Insurance Company Limited (IRDA of India Registration no. 108 CIN: U85110MH2000PLC128425), Registered Office: Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. The insurance products are underwritten by Tata AIG General Insurance Company Limited. The benefits and features of the products and services are purely indicative in nature. The purchase of a Tata AIG General Insurance Company Limited product by Deutsche Bank customers is purely on a voluntary basis. For clarifications, customers can call on 1800 266 7780 or write to customersupport@tataaig.com.

This information is given by Deutsche Bank AG whose registered office is at Frankfurt.

IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.

Niva Bupa Health Insurance

Give your family a healthy and safe future

SMS HEALTH to 561615

Give your family a healthy and safe future

SMS HEALTH to 561615

Deutsche Bank has tied up with Niva Bupa Health Insurance Company Limited, a leading health insurance company to bring to you a range of products to suit your insurance needs.

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Heart Beat

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