Niva Bupa Health Insurance

Buy Niva Bupa Health Insurance policies to safeguard your savings from medical emergencies. Get a maximum medical coverage of up to Rs. 5 crore along with the cashless treatment at 8,500+ hospitals.

Niva Bupa Health Insurance offers a wide range of policies like individual policies, family floater, and top-up cover plans starting from an annual premium of Rs. 1,469*. It also offers the convenience of 30-minute cashless claim processing across its range of network hospitals. Get coverage for Total Permanent Disability, accidental death, AYUSH treatment and daycare procedures in the health insurance policies.

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Step-by-step guide to buy Niva Bupa Health Insurance plans

  • Step 1

    Click here to open our online application form.

  • Step 2

    Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.

  • Step 3

    Now click on ‘Get Quote’ to proceed.

  • Step 4

    From the list of policies shown, choose your preferred Niva Bupa health plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan-type to get a list of policies tailored to your preference.

  • Step 5

    Based on the plan you choose, you may get the option to select the policy term and premium amount.

  • Step 6

    Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.

  • Step 7

    Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

  • Step 8

    Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.

  • Step 9

    Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.

  • Step 10

    Make the payment through net banking, UPI, debit or credit card to buy the policy.

    After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after the payment is processed successfully.

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Step-by-step guide to buy Pocket Insurance plans

  • Step 1

    Choose the product you wish to buy by visiting our Pocket Insurance product list and clicking on the ‘Buy Now’ button.

  • Step 2

    Enter your full name and mobile number registered with us and press the ‘Submit’ button.

  • Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    If your mobile number matches our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options:
    UPI, net banking, or credit/debit cards. 

  • Step 6

    After the payment is successful, you can download the policy receipt instantly. 

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Documents required to buy a policy

No documents are required to buy Niva Bupa health insurance policies from Bajaj Finance Insurance Mall. Just enter the following information to apply.

  • Date of birth of the applicant as per the PAN card
  • A valid 10-digit mobile number
  • Residential PIN code of the applicant

How to raise a cashless claim

Follow these steps to raise claim requests for cashless hospitalisation with Niva Bupa Health Insurance.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
    • Toll-free: 1860-500-8888
    • E-mail: customercare@nivabupa.com

  • Step 2 - Locate a network hospital near you

    Step 2 - Locate a network hospital near you

    You can get cashless treatment at 8,500+ Niva Bupa Health Insurance network hospitals across India. Click here to locate a hospital near you.

  • Step 3 - Verify the patient’s identity

    Step 3 - Verify the patient’s identity

    Share the patient’s policy details or cashless card along with valid identity proof (PAN, voter ID, passport) at the hospital’s insurance desk or reception).

  • Step 4 - Submit the pre-authorisation form

    Step 4 - Submit the pre-authorisation form

    Fill and submit the pre-authorisation form available at the hospital desk. You can also download the form online and fill it beforehand.

  •  Step 5 - Claim settlement

    Step 5 - Claim settlement

    Once the verification is complete, the insurer will send the final confirmation to the hospital and your registered contact details within 30 minutes. The claim will be processed as per the terms and conditions of the policy.Check the claim settlement ratio in health insurance.

How to raise a reimbursement claim

To reimburse your hospital and medical expenses with Niva Bupa Health Insurance, follow these steps.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
    • Toll-free: 1860-500-8888
    • E-mail: customercare@nivabupa.com

  • Step 2 - Settle all hospital bills

    Step 2 - Settle all hospital bills

    Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.

  • Step 3 - Submit necessary documents

    Step 3 - Submit necessary documents

    Submit the required documents like the reimbursement claim form, hospital discharge summary, bills and prescriptions, and more to the nearest branch office of the insurer within 15 days after getting discharged from the hospital.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    The insurer will review and verify the documents and process the claim as per the policy's terms and conditions.

Documents required for raising a claim request

Here is the list of documents you need to raise a claim request with Niva Bupa Health Insurance.

  • Claim form (Part A and B). Part A to be filled by the insured and Part B is to be filled by the hospital
  • Doctor's letter for hospitalisation
  • Hospitalisation and medical bills
  • Reports of lab and radiology tests
  • FIR document, in case of an accident
  • Post-mortem report, if applicable

Contact Niva Bupa Health Insurance

For queries related to the policy, claim settlement, and other related information, you can contact the insurer in the following ways:

Frequently asked questions

Does Niva Bupa’s health insurance cover the hospitalisation expenses incurred during a medical emergency?

Yes. Niva Bupa health insurance covers the medical expenses incurred during hospitalisations up to the sum insured under the policy. However, you must check if any waiting period is applicable before availing of the facilities to avoid confusion when claiming the benefits.

Is it necessary to undergo a medical check-up before buying Niva Bupa health insurance?

A medical examination is not always required; it depends on your age. You can check the policy terms and conditions to know whether a pre-policy medical examination is required or not. Mostly, policyholders of age 60 years and above require a pre-policy check-up from an authorised diagnostic centre.

Why should I consider buying Niva Bupa health insurance plans?

Niva Bupa is one of the country's most trusted health insurance providers, offering insurance since 2015. It offers the following key benefits:
• 30-min cashless claim settlement
• Pre-and post-hospitalisation expenses coverage
• Daycare procedures coverage
• 8,500+ network hospitals
• Comprehensive coverage

Can I avail of the cashless facilities across all network hospitals?

Yes, you can avail cashless treatment at over 8,500 network hospitals of Niva Bupa. You must check the Niva Bupa health insurance hospital list to hospital that provides you with cashless benefits. Here, the medical bills get deducted from your policy's sum insured, keeping you away from the stress of dealing with the paperwork of filing for bill reimbursements.

What is a pre-existing disease or condition under Niva Bupa health insurance?

Under Niva Bupa health insurance, a pre-existing condition or disease means a disease or condition that a policyholder had before signing the policy. All policies arrive with a waiting period, ranging from a month to a couple of years. The claim regarding the pre-existing disease or condition can be validated through the policy. You need to check your policy documents to know the waiting period.

Who is the TPA (third-party administrator) of Niva Bupa health insurance?

TPA (third-party administrator) from Niva Bupa health insurance is a corporate agent who operates in the company's network hospital. Following every medical emergency, the TPA assists policyholders in obtaining cashless hospitalisation or reimbursement solutions.

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Disclaimer

Bajaj Finance Ltd. (BFL) is merely a distributor of third party products from Assistance Services providers such as CPP Assistance Services Pvt Ltd, Bajaj Finserv Health Ltd.(BFHL), AWP Assistance India Pvt. Ltd. (Allianz), Doc Online Health India Pvt Ltd. etc. Issuance of the product is at sole discretion of Assistance Company or Services provider . The product and services or benefits assured under the product shall be governed by respective partner’s product T&C’s and BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. Your purchase of an assistance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any product. For more details on terms and conditions, inclusions and exclusions please read the product sales brochure carefully before purchase or subscription. All product information such as membership fees, benefits, exclusions, value added services, etc. are authentic and solely based on the information received from the respective value added service provider or Assistance company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.