M-IRACLE

COVERING PARENTHOOD
M-IRACLE COVERS

 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 & Up to INR 10,000 for health tests for the baby

 New Born Child Covered from Day 1

 Guaranteed Issuance for the New Born Child

* Underwriting loading can be applied.

 BOOSTER+
CARRY FORWARD THE
BALANCE M-IRACLE SUM INSURED
BOOSTER+
The Sooner you buy, the more you get. Maximum accumulation as per the variant chosen
and the Age at the time of buying the policy. Will work on M-iracle and Base Sum Insured.

Up to Up to Up to
10X 5X 3X
18-35 Years 36-45 Years 46+ Years

Maximum accumulation limits will vary as per the variant chosen and the entry age
 HOW WILL BOOSTER+ ON M-IRACLE WORK?

INR 20 Lakhs Base Sum Insured

10X
M-iracle Sum Insured 5X
Booster+

3X

20K 20K 20K 20K 60K 20K 1L 20K 2L

Year 1 Year 2 Year 4 Year 6 Year 11

INR 20,000 INR 40,000 INR 80,000 INR 1,20,000 INR 2,20,000

EVEN IF YOU USE, IT WILL GROW BACK UP TO 10X… AGAIN & AGAIN
 FUTURE READY
BUY TODAY FOR YOUR FUTURE SPOUSE

ALREADY COVERED WAITING PERIODS WILL BE PASSED* ON TO YOUR FUTURE SPOUSE

Optional Benefit. From the time of opting this benefit.
HOW WILL FUTURE READY WORK?
+ Spouse + Future Ready

Year 4 Year 3 Year 2 Year 1

Pre-Existing Disease M-iracle & Specified Initial Waiting Period

Waiting Period Illness Waiting Period

GUARANTEED ISSUANCE
NO WAITING PERIODS* FOR THE SPOUSE
For the example above.
 FAST FORWARD
COMBINE MULTI-TENURE SUM
INSURED TO BE USED ANYTIME

Optional Add-on
HOW WILL FAST-FORWARD WORK?
COMBINE FORWARD THE FUTURE BASE AND M-IRACLE SUM INSURED

M-iracle Sum Insured Base Sum Insured

Policy Year Normal Plan Fast Forward Plan Normal Plan Fast Forward Plan

Year 1 INR 20,000 INR 20 Lakh

Year 2 INR 20,000 INR 60,000 INR 20 Lakh INR 60 Lakhs

Year 3 INR 20,000 INR 20 Lakh

USE IT ANYTIME DURING THE POLICY TENURE

BOOSTER+ UP TO 10X IS OVER AND ABOVE FAST FORWARD

 M-IRACLE BENEFIT

COMPREHENSIVE
FUTURE
PARENTHOOD BOOSTER+ FAST-FORWARD
READY
COVERAGE

MOST COMPREHENSIVE PLAN EVER

 CASH-BAG
GET CASHBACK ON EVERY CLAIM FREE YEAR
10% ON 1ST RENEWAL | 5% ON SUBSEQUENT RENEWALS

FOREVER
Optional Benefit
HOW WILL CASH-BAG WORK?
CASHBACK ON EVERY CLAIM FREE YEAR.

% of the Renewal Premium

Renewal 3 10% 5% 5%
 Pay Premiums
Renewal 2 10% 5%  Use for OPD
 Pay for Deductibles
Renewal 1 10%

ACCUMULATE THE AMOUNT EARNED EACH YEAR | USE ANYTIME

Accumulated amount will be reflected on the NBHI Health App. This amount cannot be credited back to a bank account or withdrawn as cash.
 BORDERLESS
GET TREATMENTS ANYWHERE IN THE WORLD.
(CHOOSE FROM CO-PAY OPTIONS OF 0% TO 50%)

Optional Benefit
 LOCK THE CLOCK +
Maternity Claim will NOT
Break the lock
PRODUCT BENEFITS
Gold+ Diamond+ Platinum+ Titanium+
2+ Hours of Hospitalization
01 (All day care treatments covered)

02 Emergency ambulance (Road & Air)

Pre and Post Hospitalization

03 (60 and 180 days)

04 Lock the Clock r Lock the Clock+

05 ReAssure Forever

18-35 Years: 3X 18-35 Years: 5X 18-35 Years: 10X 18-35 Years: 10X
Booster+
06 (As per Entry Age)
36-45 Years: 2X 36-45 Years: 3X 36-45 Years: 5X 36-45 Years: 5X
46+ Years: 1X 46+ Years: 2X 46+ Years: 3X 46+ Years: 3X

07 M-iracle Waiting Period 48 Months 24 Months 9 Months 9 Months

08 Annual Health checkup, cashless, day 1

09 Live Healthy (up to 30% Discount)

10 E-Consultation

11 Second Medical Opinion

Personalize with Optional Benefits

Accumulate cashback on every claim free year in Cash-Bag. Use it to pay for Premiums, OPD,
01 Cash-Bag
and deductibles. 10% of 1st renewal premium and 5% of every subsequent renewal premium.

02 Borderless Cover treatment outside India with copayment options: 0%, 20%, 30%, 40%, 50%

03 Future Ready Guaranteed entry for your future spouse. Completed waiting periods will be passed on.

04 Fast Forward Combines the Multi year tenure Sum insured for Base and M-iracle

05 Small Deductibles Options to personalize: INR 20,000; INR 30,000; INR 50,000; INR 1,00,000

06 Safeguard+ All Non-Payables paid (List I, II, III, IV)

07 Personal Accident Equal to 5 times of Base Sum Insured. Max up to INR 1 Cr

08 Hospital Daily Cash Daily cash benefit up to INR 4,000

09 Smart Health+ Day 1 coverage for Diabetes & Hypertension

SUM INSURED OPTIONS

Base Sum Insured

3L*, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1Cr
Options

M-iracle Sum Base Sum Insured M-iracle Sum Insured

Insured 3L INR 4,000
5L INR 5,000
7.5L INR 10,000
10L INR 12,000
15L INR 15,000
20L & 25L INR 20,000
50L & 1Cr INR 25,000

* Sum Insured options will be available as per current LTV.

 HOW MUCH DOES IT COST?

Sample illustration Gold+ Diamond+ Platinum+ Titanium+

1A policy for a 25 year old 9,587 11,473 12,378 12,638

2A policy with a 25 year old eldest member 13,450 15,519 16,669 17,050

Note: All premiums shown are for 1 year policy with SI 10 Lacs & Zone 1. These are inclusive of GST & in INR

FAST-FORWARD

ONLY THE TENURE DISCOUNT DOESN’T APPLY.

 PRESENTING

WELL-CONSULT
 OPD WALLET

TELE/VIDEO PHYSICAL
DIAGNOSTICS* PHARMACY*
CONSULTATIONS(1) CONSULTATIONS

UNLIMITED INR 10,000 INR 10,000 INR 2,500

CASHLESS | REIMBURSEMENT (20% CO-PAY)

(1) With General Physicians and on cashless basis. *Prescribed Medicines and Diagnostics
 BENEFITS TO KEEP YOU HEALTHY

GYM MEMBERSHIP AI FITNESS COACHING, EMOTIONAL

2 VISITS/WEEK/ADULT DIET & NUTRITION WELLNESS SESSIONS
UNLIMITED 10 SESSIONS

COMPLETELY DIGITAL | CASHLESS

Benefit Details
 No Room Rent capping. All room categories are
covered.*

Covers Hospitalisation for 2 hours or more

Inpatient (Minimum 24 hours for AYUSH Hospitals)

Care
Covered up to Sum Insured

AYUSH Treatments and all Day Care treatments covered

* Reasonable & Customary will apply.

 ReAssure Forever. Once Triggered, stays triggered
Forever. Unlimited Times.

1st claim in the life of policy will trigger ReAssure Forever.

ReAssureX
ReAssure Forever Maximum claim that can be paid using ReAssure Forever
will always be up to Base Sum Insured

Available with Gold+ Variant

 • Lock The Clock – Pay as per the entry age, until a claim is paid

• The premium charged will be as per the age the policy was bought

• After a claim is paid, the premium will be charged as per the

current age.

ReAssure+ • M-iracle claim will impact Lock The Clock benefit

Lock The Clock
& • ReAssure Forever. Once Triggered, stays triggered Forever.
ReAssure Forever Unlimited Times.

• 1st claim in the life of policy will trigger ReAssure Forever.

• Maximum claim that can be paid using ReAssure Forever will

always be up to Base Sum Insured

Available with Diamond+ & Platinum+ Variants

 • Lock The Clock+ – Pay as per the entry age, until a claim is paid

• The premium charged will be as per the age the policy was bought

• After a claim is paid, the premium will be charged as per the

current age.

ReAssure+ • M-iracle claim will NOT impact Lock The Clock+

Lock The Clock+
& • ReAssure Forever. Once Triggered, stays triggered Forever.
ReAssure Forever Unlimited Times.

• 1st claim in the life of policy will trigger ReAssure Forever.

• Maximum claim that can be paid using ReAssure Forever will

always be up to Base Sum Insured

Available with Titanium+ Variant

 Carry Forward unutilized sum insured to the next policy year

Maximum accumulation as per entry age and variant chosen

Booster+
Will work on Base Sum Insured and M-iracle Sum Insured

Gold+ Diamond+ Platinum+ Titanium+

18-35 Years: 3X 18-35 Years: 5X 18-35 Years: 10X 18-35 Years: 10X
36-45 Years: 2X 36-45 Years: 3X 36-45 Years: 5X 36-45 Years: 5X
46+ Years: 1X 46+ Years: 2X 46+ Years: 3X 46+ Years: 3X
 Coverage for 60 days before and
180 days after hospitalisation

Pre & Post Expenses incurred on consultation, medicines,

Hospitalisation physiotherapy, diagnostic test

Expenses
Covered up to Sum Insured
 Covered up to M-iracle Sum Insured

M-iracle covers Ante Natal Checkups & Vaccinations for Mother, Delivery
Charges: Normal & Cesarean, Assisted Reproductive Treatments &
Infertility Treatments, Surrogacy, Adoption

New Born Child Covered from Day 1 and Guaranteed issuance for the new
M-iracle born baby

No restrictions on number of children

Pre & Post Hospitalisation expenses will not be covered for this benefit

Waiting periods will be applicable as per variant chosen

For Single Member Policies

- Only Female Insured – Can claim all M-iracle Benefits
- Only Male Insured – Can claim for Surrogacy and Adoption
 No 3 day franchise condition for claims to be admissible

Available if it is advised by the treating medical

Home Care / practitioner

Domiciliary Daily monitoring chart including records of treatment

Treatment administered duly signed by the treating doctor is

maintained
Pre & Post Hospitaliation medical expenses are also
Home Care Treatment means covered under this benefit
treatment availed by the insured
person at home which in normal Covered up to Sum Insured
course would require care and (Available on Reimbursement & Cashless both)
treatment at a hospital. We will cover peritoneal dialysis, Chemotherapy taken at
home
 Available from Day 1 of policy inception, Annually

For a defined list of tests, avail through our Digital

Annual Health Assets.

Check-up To be taken on Cashless Basis Only.

* (Refer annexure 1 for list of tests)

 Expenses for harvesting of the organ from the donor are
covered

Organ Donor Expenses for harvesting of organ from the insured are
also covered, in case the insured is a ‘Donor’

Covered up to Sum Insured

 Coverage for Road and Air ambulance

Emergency
Air Ambulance covered up to Sum Insured
Ambulance

Road ambulance covered up to Sum Insured

 Covered up to Sum Insured
Modern
Treatments
No Sub-Limit on any treatment. Coverage as per defined
list of treatments*

* (Refer annexure 2)
 Get discount on renewal basis step count in Niva Bupa
Health App

Individual policies - Max discount of 30%

Family Floater policies - Max discount of 15%
Live Healthy
Health points accumulated in last 3 months of the Policy
Period would not be considered for discount. These
points will be considered in the next Policy Period.
Optional Benefits

Second Medical Opinion e-consultation

Unlimited Times in a policy year unlimited e-consultations from our Partners

For any condition for which we have admitted

hospitalization claim
Optional Benefits

Hospital Daily Cash Personal Accident

Sum Insured linked limit of

Up to 5L – INR 1,000/day
5x of Base Sum Insured. Max up to INR 1 Cr
7.5L to 15L – INR 2,000/day
Above 15L – INR 4,000/day

Maximum coverage offered for 30/days/policy year/ Available for all members aged 18 years and above
insured person

Lumpsum benefit for:

Accidental Death (100% PA SI)
Permanent Total Disability (Up to 125% PA SI)
Permanent Partial Disability (Up to 100% of PA SI)
More Optional Benefits

Cover the waiting periods for the future spouse

Continuity benefit will be given to all waiting periods: Initial Waiting Period,
Specified illness Waiting Period, Pre-existing Diseases Waiting Period, M-iracle
Waiting Period

Future Ready Cannot be opted if the spouse is already insured in the policy

Guaranteed Issuance for the spouse. However loading can be applied for any
pre-existing conditions
Marriage certificate is mandatory at the time of adding the spouse

The benefit can be added/removed on renewal

 If Removed on Renewal (Before adding the Spouse): - The continuity of the waiting periods will lapse
for the future spouse

 If Removed on Renewal (After adding the Spouse): - There will be no impact on the already served
waiting periods for the added spouse.

 If Removed and Opted again on Renewal: The continuity of the waiting periods will start from the day
Future Ready was opted again

Waiting Period Continuity for

Year Future Ready Opted
Spouse
Policy Bought 2023 Yes
Renewal 1 2024 Yes 1
Renewal 2 2025 Yes 2
Renewal 3 2026 No NA
Renewal 4 2027 Yes
Renewal 5 2028 Yes 1
Renewal 6 2029 Yes 2 Spouse is Added on Renewal 6

The Spouse will get 2 Year waiver for Waiting Periods applicable in the policy
 Coverage for non-payable items as per List 1, 2, 3 & 4* of
expenses Not covered

Inflation protection coverage – Increase in base sum insured on a

Safeguard+ cumulative basis each policy year based on Inflation Rate

No Impact on Booster+ – There will be no impact on your

Booster+, if claims in a policy year are up to INR 1,00,000

* Expenses not covered provided by IRDAI

 Deductible options of INR 20,000 / INR 30,000 / INR 50,000 /
INR 1,00,000 (Not applicable on M-iracle claims)

Get a discount for opting a small deductible. Discount is based on

Annual Aggregate the sum insured chosen and the age of the customer
Deductible
Claims less than or equal to deductible amount, will not impact
Lock the Clock

Claims more than deductible, will impact Lock the Clock.

 Cashback on every claim free year

10% Cashback on 1st Renewal Premium; 5% on every subsequent renewal

Can be used to pay Renewal Premiums, OPD and Deductibles

Cash-Bag
Can be accumulated to be used in the future, anytime.

Will only get reduced if the accumulated cashback is used. In case of claim, the
previously accumulated cashback will not get reduced

In case of Multi-year policies, the accumulate benefit will get updated every
year on the NBHI App.

The Accumulated amount in non-transferable. This cannot be sent to a bank

account/digital wallet.
 Treatment anywhere in the world

For Planned and Emergency hospitalisations

Borderless
No restriction on where the condition was diagnosed

Option to choose co-payment: 0% / 20% / 30% / 40% / 50%

Not Available for M-iracle benefit

 Get combined Sum insured for all years you pay premium for

Get 3X* sum insured from Day 1 of your policy

Fast Forward Use it anytime during the policy tenure

Works on Base Sum Insured and M-iracle Sum Insured

Only applicable for Multi Tenure Policies

This Add-on can be added/removed on renewal

* For a 3 year tenure policy

AVAILABLE DISCOUNTS

Tenure Multi-Member Standing Instructions Doctor’s Live Healthy

Discount Discount Discount* Discount Discount

2.5% at policy renewal

7.5% on second year 10%; if 2 or more 5% if any of the insured Up to 30% Discount
if standing instruction
premium and 15% on members are covered is a registered medical Basis Steps Count on
for auto debit is
third year premium in an Individual plan practitioner NBHI Health App.
provided.
Waiting Periods

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Gold+: 48 Months
Diamond+, Platinum+, Titanium+: 36 Months

Specific Illness Waiting Period: 24 Months

M-iracle Waiting Period:

Gold+: 48 Months
Diamond+: 24 Months
Platinum+, Titanium+: 9 Months
 Delhi NCR (Delhi NCR Includes Delhi, Baghpat, Bulandshahr,
Gautam Buddh Nagar, Ghaziabad, Hapur, Meerut, Muzaffarnagar,
Shamli, Charkhi Dadri, Faridabad, Gurugram, Jhajjar, Jind, Karnal,
Zone 1 Mahendragarh, Nuh, Palwal, Panipat, Rewari, Rohtak, Sonipat,
Aligarh, Alwar, Hissar, Kaithal, Kurukshetra, Mathura, Saharanpur,
Sirsa), Nasik, Surat, Vadodara

Rest Of Gujarat, Kolkata, Mumbai, Palghar, Raigarh (MH),

Zone 2 Thane

Zone Based
Amritsar, Chennai, Hooghly, Hyderabad, Jaipur,
Premiums Zone 3 K.V.Rangareddy, Kolkata Ext, Madhya Pradesh, Rest Of
Maharashtra, Rest Of Uttar Pradesh, Rest Of Haryana

Zone 4 Rest of India (Including Bengaluru And Pune)

 Entry Age - Child Entry Age - Adult

Minimum: 91 Days Minimum: 18 Years

Maximum: 65 Years Maximum: 65 Years

- A person with Age 65 Years and 11 Months can be covered as a dependent child

- No Auto Spilt for child from the policy. However, the insured can request for a
manual split.

Age
Criteria
 Individual
Policy with a only a single member only. The entire sum
insured is available for the individual member.

Plan Types Multi Member Individual

Policy with multiple members. Each member has their own
Available coverage on individual basis.

Family Floater
Policy with multiple members with a combined coverage limit
for all insured members under the policy
 Multi-Member Individual Policy
- Maximum 6 members in a policy (Maximum 4 Adults, 5 Children)
- Family Combinations allowed - 1A, 1A1C, 1A2C, 1A3C, 1A4C, 1A5C, 2A, 2A1C,
Plan 2A2C, 2A3C, 2A4C, 3A, 3A1C, 3A2C,3A3C, 4A, 4A1C, 4A2C
Combinations Family Floater Policy
- Maximum 6 members in a policy (Maximum 2 Adults, 4 Children)
- Family Combinations allowed - 1A1C, 1A2C, 1A3C, 1A4C, 2A, 2A1C, 2A2C, 2A3C,
2A4C

- Self - Son
Allowed - Spouse - Daughter
Relationships -
-
Father
Mother
-
-
Father-in-law
Mother-in-law
- Employer/Employee
നന്ദി ಧನ್ಯ ವಾದಗಳು આભાર ধন্যবোদ ಧನ್ಯ ವಾದಗಳು कदनवास ਤੁ ਹਾਡਾ ਧੰਨਵਾਦ
‫شکریہ‬
‫شکریہ‬ धन्नबाद शुकिया ଧନ୍ୟବାଦ अनुगृकितास्मि
शुकिया ధన్య వాదాలు ‫توهان جي مهرباني‬
दनवास ಧನ್ಯ ವಾದಗಳು આભાર
ধন্যবোদ ಧನ್ಯವಾದಗಳು कदनवास धन्यवाद
‫شکریہ‬ ‫شکریہ‬

ਤੁ ਹਾਡਾ ਧੰਨਵਾਦ
कितास्मि ధన్య వాదాలు ‫توهان جي مهرباني‬
धन्नबाद शुकिया ଧନ୍ୟବାଦ अनुगृकितास्मि कदनवास
ನ್ಯ ವಾದಗಳುधन्यबाद अनुगृकितास्मि ত োমোকে ধন্যবোদ આભાર ଧନ୍ୟବାଦ ಧನ್ಯ ವಾದಗಳು നന്ദി
ত োমোকে ধন্যবোদ
कदनवास આભાર

‫شکریہ‬
ਤੁ ਹਾਡਾ ਧੰਨਵਾਦ धन्यवाद
धन्नबाद

‫شکریہ‬ ‫کا‬ ‫آپ‬

આભાર

शुकिया ত োমোকে ধন্যবোদ

நன் றி ‫آپ کا شکریہ‬ આભાર

THANK ‫شکریہ‬
நன் றி
धन्नबाद

ধন্যবোদ
நன்றி कदनवास धन्नबाद
अनुगृकितास्मि

‫آپ کا شکریہ‬ ଧନ୍ୟବାଦ ‫توهان جي مهرباني‬

ଧନ୍ୟବାଦ धन्यवाद ਤੁ ਹਾਡਾ ਧੰਨਵਾਦ આભ
നന്ദി धन्यवाद
YOU
આભાર

നന്ദി
कदनवास ధన్య వాదాలు ত োমোকে ধন্যবোদ
આભાર ਤੁ ਹਾਡਾ ਧੰਨਵਾਦ
ಧನ್ಯ ವಾದಗಳು कदनवास ಧನ್ಯ ವಾದಗಳು कदनवा
नवास ಧನ್ಯ ವಾದಗಳು આભાર ধন্যবোদ शुकिया ଧନ୍ୟବାଦ अनु गृकितास्मि
‫ توهان جي مهرباني‬धन्नबाद

നന്ദി
‫شکریہ‬
কে ধন্যবোদ ‫ شکریہ‬ధన్య వాదాలు ಧನ್ಯ ವಾದಗಳು
कदनवास धन्यबाद अनु गृ क ितास्म ि ত োমোকে ধন্যবোদ આભાર ਤੁ ਹ ਾਡਾ ਧੰ ਨ ਵਾਦ
આભાર

ਤੁ ਹਾਡਾ ਧੰਨਵਾਦ अनु गृकितास्मि

ಧನ್ಯ ವಾದಗಳು
આભાર ধন্যবোদ ಧನ್ಯ ವಾದಗಳು कदनवास

நன் றி
‫شکریہ‬ ధన్య వాదాలు ‫توهان جي مهرباني‬
ਤੁ ਹਾਡਾ ਧੰਨਵਾਦ
धन्नबाद ଧନ୍ୟବାଦ ‫ آپ کا شکریہ‬આભાર कदनवास ధన్య వాదాలు
 Annexure 1

List of Tests for Health Check-up

CBC Lipid Profile

Urine Routine & Microscopic KFT

ESR Serum Vitamin D

Fasting blood sugar Serum Electrolytes

Electrocardiogram HbA1C

X Ray chest Thyroid function test

Complete Physical Examination by Physician LFT

Post prandial/lunch blood sugar (PPBS / PLBS) Treadmill test (TMT) OR 2 D ECHO

Uric Acid Ultrasound Test

Mammogram Colonoscopy (for >50 year olds)

PAP smear Serum calcium

 Annexure 2 – List of Modern Treatments

 Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

 Balloon Sinuplast
 Deep Brain stimulation
 Immunotherapy- Monoclonal Antibody to be given as injection
 Oral Chemotherapy
 Intra vitreal injections
 Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
 Robotic surgeries
 Bronchical Thermoplasty
 Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions
 Stereotactic radio Surgeries
 IONM - (Intra Operative Neuro Monitoring)