Raniyaa emblem RANIYAAThe Symbol of Trust
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Memberships With Us

Five Nirvana plans, each built around a different family need. Tap a plan to see its full coverage.

Raniyaa emblem Nirvana Pearl

Coverage for two family members: your youngest (1–20 yrs) and eldest (60–99 yrs).

2 family members Junior 1–20 & Senior 60–99

Nirvana Pearl membership applicable to two family users: junior (age 1 to 20 years) and senior (age 60 to 99 years).

Health and eye checkup twice in plan year
Dental cleaning checkup and consultation twice in plan year
Dietician and neurologist consultation twice in plan year
Physician tele consultation, unlimited calls in plan year
Hospital billback from 3% to 30% (subject to case audit)
Senior & junior curriculum activities entry passes
Goodies & gift contribution on special days, twice a year
Pickup/drop cab bill-back for IPD surgery (limit ₹5,000)
OPD or clinic visit consultation bill-back (limit ₹3,000)
Any pharmacy medicine bill-back (limit ₹2,000)
Education contribution for students up to 25, ₹50K
Senior survival contribution on natural death of holder, ₹50K
Junior global care contribution for overseas treatment, ₹50K
HAPPINESS vouchers worth ₹15,000

OPD covers all healthcare checkups, physician consultation, ambulance, daycare treatment and pharmacy bill reimbursement.

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Raniyaa emblem Nirvana Ocean

Built for the working individual, protecting income and family in one plan.

Working individual Age 20–60

Nirvana Ocean membership applicable to a working individual (age limit 20 to 60 years).

TPPA loan cover ₹10L, plus 3 EMI cover up to ₹10K per EMI
TPPA death and partial disability cover ₹10L
TPPA public transport death and total disability cover ₹20L
TPPA multi-member death or disability cover ₹2L
TPPA burns cover ₹50K per affected area (limit up to ₹50L)
TPPA broken bones & fracture cover ₹50K (limit up to ₹10L)
TPPA coma, head and spine injury cover ₹1L
TPPA hospital daily cash and TTD weekly cash ₹1K
TPPA education cover for 2 students up to age 25, ₹1.5L
TPPA parental cover for 2 dependent parents, ₹1L
Pickup/drop ambulance for IPD surgery (limit ₹6,000)
OPD or clinic visit consultation bill-back (limit ₹4,000)
Any pharmacy medicine bill-back (limit ₹2,000)
Physician tele consultation, unlimited calls in plan year
Maternity contribution for female users, ₹50K
Family survival contribution on natural death of holder, ₹50K
HAPPINESS vouchers worth ₹25,000

OPD covers all healthcare checkups, physician consultation, ambulance, daycare treatment and pharmacy bill reimbursement. TPPA cover limits can be increased, though this may raise the membership cost.

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Raniyaa emblem Nirvana Star

For individuals and couples who want one plan that covers them both.

Individual & couple Age 20–60

Nirvana Star membership applicable to individual and couple (age limit 20 to 60 years).

TPPA loan cover ₹10L, plus 3 EMI cover up to ₹10K per EMI
TPPA death and partial disability cover ₹10L
TPPA public transport death and total disability cover ₹20L
TPPA multi-member death or disability cover ₹2L
TPPA burns cover ₹50K per affected area (limit up to ₹50L)
TPPA broken bones & fracture cover ₹50K (limit up to ₹10L)
TPPA coma, head and spine injury cover ₹1L
TPPA hospital daily cash and TTD weekly cash ₹1K
TPPA education cover for 2 students up to age 25, ₹1.5L
TPPA parental cover for 2 dependent parents, ₹1L
Pickup/drop ambulance for IPD surgery (limit ₹7,000)
OPD or clinic visit consultation bill-back (limit ₹5,000)
Any pharmacy medicine bill-back (limit ₹3,000)
Physician tele consultation, unlimited calls in plan year
Maternity contribution for female users, ₹50K
Family survival contribution on natural death of holder, ₹50K
HAPPINESS vouchers worth ₹40,000

OPD covers all healthcare checkups, physician consultations, ambulance services, daycare treatments and pharmacy bill reimbursements. For couple users, the base membership cost is ₹25,000, with all OPD limits calculated at 2× the amounts shown.

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Raniyaa emblem Nirvana Galaxy

Whole-family coverage built for households with growing kids.

4 family members Age 1–60

Nirvana Galaxy membership applicable to four family users (age limit 1 to 60 years).

TPPA loan cover ₹10L, plus 3 EMI cover up to ₹10K per EMI
TPPA death and partial disability cover ₹10L
TPPA public transport death and total disability cover ₹20L
TPPA multi-member death or disability cover ₹2L
TPPA burns cover ₹50K per affected area (limit up to ₹50L)
TPPA broken bones & fracture cover ₹50K (limit up to ₹10L)
TPPA coma, head and spine injury cover ₹1L
TPPA hospital daily cash and TTD weekly cash ₹1K
TPPA education cover for 2 students up to age 25, ₹1.5L
TPPA parental cover for 2 dependent parents, ₹1L
Pickup/drop ambulance for IPD surgery (limit ₹15,000)
OPD or clinic visit consultation bill-back (limit ₹10,000)
Any pharmacy medicine bill-back (limit ₹5,000)
Physician tele consultation, unlimited calls in plan year
Maternity contribution for female users, ₹50K
Family survival contribution on natural death of holder, ₹50K
HAPPINESS vouchers worth ₹70,000

OPD covers all healthcare checkups, physician consultation, ambulance, daycare treatment and pharmacy bill reimbursement. TPPA cover limits can be increased, though this may raise the membership cost.

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Raniyaa emblem Nirvana Universe

Our most complete plan, covering six family members across every generation.

6 family members Age 1–99

Nirvana Universe membership applicable to six family users (age limit 1 to 99 years).

TPPA loan cover ₹10L, plus 3 EMI cover up to ₹10K per EMI
TPPA death and partial disability cover ₹10L
TPPA public transport death and total disability cover ₹20L
TPPA multi-member death or disability cover ₹2L
TPPA burns cover ₹50K per affected area (limit up to ₹50L)
TPPA broken bones & fracture cover ₹50K (limit up to ₹10L)
TPPA coma, head and spine injury cover ₹1L
TPPA hospital daily cash and TTD weekly cash ₹1K
TPPA education cover for 2 students up to age 25, ₹1.5L
TPPA parental cover for 2 dependent parents, ₹1L
Pickup/drop ambulance for IPD surgery (limit ₹25,000)
OPD or clinic visit consultation bill-back (limit ₹15,000)
Any pharmacy medicine bill-back (limit ₹10,000)
Physician tele consultation, unlimited calls in plan year
Maternity contribution for female users, ₹50K
Family survival contribution on natural death of holder, ₹50K
HAPPINESS vouchers worth ₹1,00,000

OPD covers all healthcare checkups, physician consultation, ambulance, daycare treatment and pharmacy bill reimbursement. TPPA cover limits can be increased, though this may raise the membership cost. Recharging any specific section of the OPD service entitles the customer to a 30% spot discount on the cost of that section, while recharging the complete OPD service entitles the customer to a 50% spot discount on the total applicable cost.

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