Niva Bupa Health Insurance

Niva Bupa Health Insurance – Health Plus Plan starting at Rs. 2,649*

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.

  • 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.

  • 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.

  • 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.

  • 536 daycare procedures coverage

    Get coverage for 536 daycare procedures up to the sum insured amount.

  • 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.

  • 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.

  • Emergency road ambulance coverage

    Avail of ambulance expenses up to Rs. 1,000 per hospitalisation under this policy.

  • 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.

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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.

  • Step 1

    Click on ‘Get Quote’ to open our online application form.

  • 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.

  • Step 3

    Now click on ‘Get Quote’ to proceed.

  • Step 4

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

  • Step 5

    Choose Niva Bupa Health Plus Plan from the list of health insurance policies shown by clicking on ‘Buy Now’.

  • 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’.

  • Step 7

    Enter your address and nominee details.

  • 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. 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. 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.

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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

How to raise a cashless claim

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

  • Contact the insurer

    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.

  • 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 patient’s identity

    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.

  • 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

    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.

  • Step 1 - Contact the insurer

    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

    Step 2 - Settle all hospital bills

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

  • Claim settlement

    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.

  • 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 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

How is the Niva Bupa Health Plus Plan beneficial?

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.

Who is eligible to be covered under Niva Bupa Health Plus Policy?

The age criteria to be eligible to receive coverage under Niva Bupa Health Plus Plan is 18-60 years.

Where can I get Niva Bupa Health Insurance hospital list?

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.

What is the domiciliary cover under the Niva Bupa Health Plus Plan?

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.

What is Niva Bupa customer care number?

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.

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Disclaimer

*Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company, Niva Bupa Health Insurance. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under Health Plus, Product UIN No.: NBHHLGP22157V032122. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.”

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.
Premium mentioned in communication is applicable for a healthy male aged 18 years and is inclusive of taxes.