Niva Bupa Health Insurance – Health Plus Plan starting at Rs. 2,649*
Product highlights
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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Features and benefits of Niva Bupa Health Plus Plan
Handle medical expenses easily with this cost-effective and comprehensive health insurance plan.
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Cashless treatment across 8,500+ hospitals
Get cashless treatment facilities within 30 minutes across Niva Bupa Health Insurance’s 8,500+ network hospitals. Avail the facility without third-party (TPA) involvement.
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In-patient hospitalisation coverage
Get coverage for nursing expenses, ICU, and operation theatre charges. Also, doctor’s fees, prosthetics, and other internal devices required for surgeries.
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Hospital accommodation charges coverage
Get coverage up to 2% of the sum insured towards room rent. Get up to 4% 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
Covers doctor's consultation, diagnostic tests, medicines, and consumables. You can avail the coverage for pre-hospitalisation expenses 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
Covers treatment taken at home if the insured cannot go to the hospital or bed unavailable at the hospital. Get coverage of up to 10% of the sum insured for such cases.
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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How to apply for Niva Bupa Health Plus plan
Watch this video to know the steps to but this policy online in just a few steps.
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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 your basic details or the person whom you want to insure. Provide name, gender, mobile number, date of birth, and residential PIN code.
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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 policy shown by clicking on ‘Buy Now’.
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Step 6
Your personal details, based on our records, will appear 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. 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.
After successful payment, your policy document will be available for you to download. You will receive a copy of the policy document on 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.) | 5 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 | Get 4% of the sum insured against ICU expenses. |
| In-patient hospitalisation | Covers expenses of operation theatre charges, doctor charges, prosthetics, and other equipment required for surgeries. |
| Road ambulance cover | Get up to Rs. 1,000 per hospitalisation. |
| Domiciliary cover | Get up to 10% of the sum insured for treatment taken at home. |
| Key exclusions | Description |
|---|---|
| Dental procedures | Dental treatments and cosmetic surgeries |
| Circumcision | Unless required for treatment of illness or injury |
| Substance abuse | Use 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 health insurance with Niva Bupa Health Insurance.
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Step 1 - Contact the insurer
Contact the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
1. Toll-free: 1860-500-8888
2. Raise claim at Insta Assist. -
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 and 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
After completing the verification, the insurer will send the final confirmation to the hospital and your registered contact details within 30 minutes. Insurer will process the claim as per the policy terms and conditions.
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
Contact the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
1. Toll-free: 1860-500-8888
2. Raise claim at Insta Assist. -
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 reimbursement claim form and hospital discharge summary at the insurer’s nearest branch office. Also, submit the bills and prescriptions. You need to submit the documents within 15 days from 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 that you need to raise a claim request with Niva Bupa Health Insurance.
- Filled claim form (part A by the insured and part B 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. It secures you against unforeseen medical emergencies. The plan covers in-patient treatment, pre-and post-hospitalisation, and hospital accommodation expenses. Also, organ transplant, daycare, and domiciliary treatment expenses.
The age criteria to be eligible to receive coverage under Niva Bupa Health Plus Plan is 18-60 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 for treatments taken at home under doctor’s supervision. In some cases, patients cannot go to the hospital or beds may be unavailable at the hospital. Domiciliary cover benefits the insured during such times.
You can call the Niva Bupa customer care on the toll-free number - 1860-500-8888. You can also raise your queries on Insta Assist and for senior citizen assistance seniorcitizensupport@nivabupa.com.
Insurance glossary
Disclaimer
*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third-party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.
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