Medical emergencies are unpredictable and unavoidable. However, having health insurance proves invaluable in preparing you for such challenging situations. With rapidly rising healthcare expenses globally, it’s crucial to invest in a good health insurance policy to ensure your financial security in testing times. However, are you to ensure that your existing health insurance plan is enough to provide coverage for both you and your family?

Introducing a smart health program that can enhance your current health insurance coverage without imposing additional financial strain. India’s leading healthcare platform Apollo 24|7 partnered with one of the top health insurance providers in the country, Niva Bupa, to create a specialised insurance plan that ensures coverage that’s always enough for you.

Let’s know more about this health insurance plan and how it can be an optimal way to ensure adequate coverage.   

What are the Benefits of Apollo Niva Bupa Health Insurance?

Curated by Apollo experts, the Smart Health Insurance has numerous benefits. Some of these include:

1. For Everyone  

This plan can be purchased by those without existing health coverage or as an add-on to existing plans. This plan ensures enhanced financial protection without burning a hole in your wallet.

2. Low Waiting Period  

During the waiting period, the insurer does not approve any claims that you may make related to specific illnesses or pre-existing conditions. The waiting period for policies can range from a few months to years based on your chosen plan and insurance provider. However, the Smart health insurance plan ensures you get the lowest waiting periods ever.

This insurance plan offers the convenience of purchasing the policy quickly with absolutely no paperwork required. All you need to do is sign a health declaration form and get the coverage instantly.

4. Cost Effective  

The Smart Health Insurance plan is more affordable than standard health insurance policies. It is a cost-effective way to enhance your health coverage without increasing your premiums significantly.

5. Extended Coverage  

The Smart Health Insurance plan offers coverage for expenses incurred up to 180 days following hospitalization. Furthermore, the plan also provides coverage for domiciliary treatment (treatment done at home) for the insured person following an Illness or Injury.

6. 2X Cover For Critical Illness  

If the insured person is diagnosed and hospitalized for a critical illness listed in the policy, and the claim is approved under the base policy, the Smart Health Plan would increase the coverage amount for that illness by a multiplier. This enhances coverage to help alleviate the high treatment costs associated with such illnesses.

7. Unlimited Claims  

The Smart Health Insurance plan ensures that each time the insurance is used for the same illness, the coverage amount will increase by 100% of the base sum insured. There are no limits on the number of times you claim the insurance.

8. Vast Hospital Network  

The Smart Health Insurance plan provides cashless support at over 10,000 hospitals within just 30 minutes of your request.

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How is Apollo Smart Health Insurance Budget-friendly?  

Let’s understand how can Smart health insurance plan help manage the finances of those with and without an existing insurance plan. This section will determine how to calculate Apollo smart health insurance price. 

1. If you don’t have health insurance   

Smart health insurance plan ensures you get an adequate amount of coverage with the lowest premium possible. For instance, you can get a health insurance plan with a deductible of Rs. 25,000 and coverage of Rs. 10 Lakhs, all at a premium of just Rs. 5579 annually.

Note: Deductible is the amount of money you have to pay from your pocket before your insurance helps with your medical bills. For instance, if your deductible is 25,000 INR and you have a medical bill of 10,00,000 INR, you'll need to pay the first 25,000 INR yourself (that's your deductible). After that, your insurance will cover the remaining 9,75,000 INR of the bill. So, the deductible is what you pay upfront, and then your insurance takes care of the rest.

2.  If you have existing health insurance   

Sudden medical expenses can be financially draining, especially if you have a low sum insured in your regular health insurance. The Smart Health Insurance plan provides an extra layer of safety to you and your family in such situations without imposing additional financial burdens. This plan works alongside your existing health insurance policy and kicks in when you've exhausted your base policy's sum insured.

Note: The sum insured from your existing base policy can as a deductible, thereby activating the Smart Health Insurance plan.

You may choose to extend your coverage based on your current insurance plan's range. Here’s a list you can refer to:

*Prices inclusive of tax for a 25 years old

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Note: Tax laws change every financial year, and the deduction limits may vary from year to year. It is advisable to check the current tax regulations.  

Why is Smart Health Insurance from Apollo 24|7 the Right Choice for You?  

In addition to the benefits offered by the Niva Bupa Smart Health Insurance plan, Apollo 24|7 will provide supplementary advantages. These include:

1. One-Year Free Circle Membership  

With Apollo 24|7’s Circle membership you will have access to the following benefits:   

• Unlimited free and faster deliveries of all health essentials  
• An extra 5% cashback after every order  
• 7% cashback on all lab tests  
• Access to emergency doctor calls  
• Discounts on consultations   
• Priority customer care   
• Access to a platform that can store all your health records in one place

2. Unlimited Online Doctor Consultations  

With a panel of around 20 specialty doctors, with the purchase of Smart Health Insurance plan Apollo 24|7 grants access to unlimited doctor consultations. Doctors will connect with you within 15 minutes, offering appointments at your preferred slots.

Wait no more, enhance your health protection with a Smart Health Insurance plan.    
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