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Budget Pick
Niva Bupa

Money Saver

Budget-friendly health insurance with essential coverage

3.8/5 Rating
Starting From
₹4,200
per year
₹3L–10L
Sum Insured
10,000+
Network Hospitals
18–65yrs
Entry Age
2 yrs
Waiting Period

About This Plan

Niva Bupa Money Saver is an affordable health insurance plan that provides essential health coverage at pocket-friendly premiums. While it may have some limitations compared to premium plans, it covers all the fundamentals including hospitalization, day care procedures, and cashless treatment at 10,000+ hospitals.

Key Highlights

Affordable premium
10,000+ network hospitals
Cashless treatment
100% NCB
Day care procedures
AYUSH treatment

Coverage Details

Room RentSingle standard AC room
ICU ChargesActual
Pre-Hospitalization30 days
Post-Hospitalization60 days
Day Care ProceduresCovered
Maternity BenefitNot Covered
Newborn CoverNot Covered
Organ TransplantNot Covered
AYUSH TreatmentCovered
Mental IllnessNot Covered
Domiciliary HospitalizationNot Covered
Restore BenefitNo
Annual Health CheckupNo
Ambulance CoverUp to ₹1,500
No Claim BonusUp to 100% NCB
Co-PaymentNone
Pre-Existing Disease Wait4 years
Specific Disease Wait2 years

Pros

  • Very affordable
  • Good for budget-conscious buyers
  • Basic coverage needs met
  • Wide hospital network

Cons

  • Room rent capped
  • No restore benefit
  • No maternity cover
  • No domiciliary cover
  • Lower sum insured options

Who Should Buy This Plan?

Ideal for: Budget-conscious individuals