Vikas Rai

pdf
+918882740443
vikasrai@nivabupa.in Prepared for: Rishu puri sir

Optima Restore Aspire 🪂⛷️🏋️‍♂️🏂🏻

Hdfc Ergo Niva Bupa Health
Zone : Zone 1 Zone : Zone 1
Insured : 1 members Insured : 1 members
Comparison of Eldest Member Age : 18 Years Eldest Member Age : 18 Years

Policy Details

Company Name Hdfc Ergo Niva Bupa Health

Plan Name Optima Restore Aspire - Diamond+

Sum Insured 5 Lac 10 Lac

Room Rent Upto Sum Insured (Any Room) Upto Sum Insured

ICU Limit Upto Sum Insured Upto Sum Insured

Pre Hospitalization 60 days 60 days

Post Hospitalization 180 days 180 days

Road Ambulance 2000 per hospitalization Covered up to sum insured

Air Ambulance Not Covered Covered up to sum insured

Day Care All All (Even Non Day Care is also covered
if addimission is more than 2 Hours)

Domiciliary Treatment Upto Sum Insured Upto Sum Insured

Health Check up Rs 2500 on completion of every 2 years Covered as per defined list from Day 1 ,
available only reimbursement booking available only through niva
(Individual max 1500) bupa customer mobile application ( No
Reimbursement)

Organ Donor Upto Sum Insured Upto Sum Insured

Refill Restore Reload Recharge Restore Available for Same Person Restore Available from day 1 from first
Same Illness/ Restore available Multiple claim itself for Same Person Same
times by paying 0.50% extra premium Illness. Also Customer Can take Multiple
/Single Claim Cannot be more than Sum Claims /Unlimited times Restore.
Insured & Bonus

No Claim Bonus Bonus of 50% of the Basic S.I for every (Booster+) Unutilised Base Sum Insured
claim free year, maximum upto 100%.In carries forward to the next policy year,
case of claim, bonus will be reduced by Entry Age 18-35: up to 5X Entry Age 36-
50% of the basic S.I. 45: up to 3X Entry Age 46+: up to 2X

AYUSH Benefit Not Covered Covered up to sum insured (Inpatient

24+ hours for Ayush treatment)

AYUSH Pre & Post Not Covered Yes (60 Pre & 180 Post)

Initial Waiting Period (NA in Port) 30 Days 30 Days

Specific Disease Waiting (NA in 2 Years 2 Years
Port)

Pre Existing Waiting 3 Years 3 Years

Multi Years Discounts 7.5% discount on 2 year Policy & 10% 7.5% on 2nd Year 15% on third Year
on 3 Years Policy

Hospital Cash Not Covered Optional 2000 Per day Max 30 Days Per
Insured

OPD Not Covered Available (Optional)

Robotics Treatment Covered Up To Sum Insured Upto Sum Insured

Consumables Coverage Available (Protecter Rider with If Safeguard+ Opted All consumables
additional premium) covered (as per list I, II, III, IV of
Annexure I) both rider includes CPI
linked increaded and booster+ benfit

Entry Age Restriction Minimum 18 & Maximum Entry age is Minimum 18 & Maximum Entry age is
65 65

Co Payments & Sub Limits No Copay at Any age or any illness No Copay at Any age or any illness

Co-payment for treatment in a No Zonal Copay Pan India Treatment) No Zonal Copay (Pan India Treatment)
Higher Zone

Co-payment for treatment in a Plan is covering any room so no Higher Plan is covering any room so no Higher
Higher Room Room copay Room copay

Maternity Not Covered Aspire M-iracle Waiting Period - 24

Months Offers the MOST comprehensive
Maternity Plan that covers
PARENTHOOD! -Covers expenses of
Pregnancy: Ante-natal Checkups &
Vaccinations for Mother Delivery
Charges: Normal & Cesarean Assisted
Reproductive Treatments & Infertility
Treatments Surrogacy & Delivery for
Surrogate Mother Covered Charges for
Adopting a Child New Born Child
Covered from Day 1 Guaranteed
Issuance for new Born Baby Carry
Forward the balance Sum Insured to the
new year up to Booster+ Limits ( With
Fastword you can use next 3 Years limit
even in first year) Covered Upto 12,000
Annual

Special About product 10,000+ cashless network hospitals Some Industry First Features - Lock the
clock, Fast Forward , Furture Ready,
Border Less , Cash Bag,

Important Additional Info ➤ Stay Active Discount upto 8% ➤ Lock the Clock- Save as you age. Pay
as per entry age, until you claim
➤ Rs. 800 per day for max 6 days
Choosing shared Room ➤ Cash-Bag - Accumulate cashback on
every claim free year in your Cash-Bag.
➤ Dependent Child Covered upto 25 Use it to pay for premiums, deductible,
Years co-payment, and OPD.10% of 1st
renewal premium and 5% of every
➤ Second medical opinion available subsequent renewal premium

➤Modern Treatment : Upto Sum Insured ➤ Fast Forward - Combine multi tenure
sum insured to be used anytime.
Applicable for Base and M-iracle sum
insured

➤ Future Ready- Guaranteed issuance &

continuity on waiting periods served by
you for your future spouse

➤ Borderless- Get treatment anywhere

in the world, up to sum insured. Co-
payment options: 0%, 20%, 30%, 40%,
50%

➤ Well Consult (OPD) - Get

comprehensive coverage for Tele &
Physical Consultations, Diagnostics,
Pharmacy, Gym Membership, and host
 of Wellness benefits

➤ Home Care Treatment is also covered

up to S.I

➤ Unlimited Second Medical Opinion &

e-consultation within our network

➤ Optional 5 times Personal accident up

to 1 Cr can be added in same policy

➤ Annual Aggregate Deductible -

Choose a small deductible. INR 20,000,
INR 30,000, INR 50,000, INR 1, 00,000

➤ 5% Discount to Doctors & 2.5%

Discount on renewal if premium is
through auto debit along with live
Healthy Discount up to 30%

Premium Chart

Policy Name Optima Restore Aspire 🪂⛷️🏋️‍♂️🏂🏻

Subplan Name N/A Diamond+

Policy Period 1 Year 1 Year

Sum Insured ₹5,00,000 ₹10,00,000

Zone Zone 1 Zone 1

Application Type Fresh Fresh

Base Premium ₹10,850 ₹9,723

Gross Total Premium ₹ 10,850 ₹ 9,723

Net Premium ₹ 10,850 ₹ 9,723

GST (18%) ₹ 1,953 ₹ 1,750

Final Payable Premium ₹ 12,803 ₹ 11,473