Niva Bupa Health Insurance – Health Plus Plan starting at Rs. 2,649*
Key features
Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits of this policy
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Cashless treatment across 8,500+ hospitals
Get cashless treatment facilities across 8,500+ network hospitals of Niva Bupa Health Insurance within 30 minutes with no third-party (TPA) involvement.
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In-patient hospitalisation coverage
Get coverage for nursing expenses, ICU and operation theatre charges, doctor’s fees, prosthetics, and other internal devices required for surgeries.
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Hospital accommodation charges coverage
Get coverage of up to 2% of the sum insured towards room rent and 4% of the sum insured for ICU daily charges.
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536 daycare procedures coverage
Get coverage for 536 daycare procedures up to the sum insured amount.
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Coverage for pre-and post-hospitalisation expenses
Get coverage for expenses against doctor's consultation, diagnostic tests, medicines, and consumables for up to 30 days before hospitalisation and up to 60 days after discharge.
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Coverage for organ donor expenses
Get coverage for organ donor’s in-patient treatment expenses in case the insured requires to undergo an organ transplant.
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Emergency road ambulance coverage
Avail of ambulance expenses up to Rs. 1,000 per hospitalisation under this policy.
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Domiciliary treatment coverage
Get coverage of up to 10% of the sum insured for receiving treatment at home in case the insured isn’t in suitable condition for hospital transfer or non-availability of a hospital bed.
Eligibility criteria and documents required
Anyone can apply for Niva Bupa Health Plus Plan as long as you meet these basic criteria mentioned below. If you meet all the eligibility criteria, we will need some basic information to complete your application process.
Eligibility criteria
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18-60 years
Documents required
Only basic information required while buying the policy:
- Date of birth as per PAN Card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
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Step 1
Click on ‘Get Quote’ to open our online application form.
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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.
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Step 3
Now click on ‘Get Quote’ to proceed.
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Step 4
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 5
Choose Niva Bupa Health Plus Plan from the list of health insurance policies shown by clicking on ‘Buy Now’.
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Step 6
Your personal details, based on our records, will be pre-filled. All you need to do is check if the details are correct and click ‘Next’.
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Step 7
Enter your address and nominee details.
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
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Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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Step 10
Make the payment through net banking, UPI, debit or credit card to buy the policy.
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After successful payment, your policy document will be available for you to download. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.
Alternatively, you can also access your policy details through the 'My Account' section within 5-7 days after purchase.
Policy details
Here’s a quick look at the policy details of the Niva Bupa Health Plus Plan:
| Policy details | Description |
|---|---|
| Policy type | Individual |
| Starting premium (in Rs.) | 2,649* |
| Sum insured (in Rs.) | 1 lakh – 10 lakh |
| Policy term | One year |
key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under Niva Bupa Health Plus Plan:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| ICU charges | 4% of the sum insured is paid against ICU expenses |
| In-patient hospitalisation | Covers expenses of operation theatre charges, doctor charges, prosthetics and other equipment required for surgeries |
| Road ambulance cover | Up to Rs. 1,000 per hospitalisation is paid |
| Domiciliary cover | Get up to 10% of the sum insured for treatment taken at home in case the insured is not in a position to be admitted to a hospital or unavailability of bed |
| Key exclusions | Description |
|---|---|
| Dental procedures | Dental treatments and cosmetic surgeries |
| Circumcision | Unless required for treatment of illness or injury |
| Substance abuse | Use or abuse of any substance, drug or alcohol and treatment for de-addiction |
| Cosmetic surgery | Aesthetic and re-shaping treatments and surgeries |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise claim requests for cashless hospitalisation with Niva Bupa Health Insurance.
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Step 1 - Contact the insurer
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
1. Toll-free: 1860-500-8888
2. E-mail: customercare@nivabupa.com -
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.
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Step 3 - Verify 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).
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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.
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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.
How to raise a reimbursement claim
To reimburse your hospital and medical expenses with Niva Bupa Health Insurance, follow these steps.
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Step 1 - Contact the insurer
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
1. Toll-free: 1860-500-8888
2. E-mail: customercare@nivabupa.com -
Step 2 - Settle all hospital bills
Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.
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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.
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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 andB). 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
Frequently asked questions
Niva Bupa Health Plus Plan is a cost-effective and reliable health insurance policy which secures you against unforeseen medical emergencies. The plan offers coverage against expenses incurred for in-patient treatment, pre-and post-hospitalisation, hospital accommodation, organ transplant, daycare and domiciliary treatments.
The age criteria to be eligible to receive coverage under Niva Bupa Health Plus Plan is between 18 and 60 years.
You can look for the nearest Niva Bupa network hospital, online on the Niva Bupa Health Insurance website. Their policy documents also carry the list. You can also check the list of the Niva Bupa network hospitals here
The Niva Bupa Health Plus plan covers the expenses if you are not hospitalised and get treatment at home.
You can call the Niva Bupa customer care on the toll-free number - 1860-500-8888. You can also raise your queries on email by writing them at customercare@nivabupa.com and for senior citizen assistance seniorcitizensupport@nivabupa.com