Niva Bupa Health Insurance

Health Insurance is the best way to protect oneself from unforeseen expenses due to medical emergencies. To ensure you are adequately covered under a health insurance plan, Niva Bupa Health Insurance offers a wide range of plan options like the individual, family floater, and top-up protection covers, considering the customers' diverse medical needs.

Highlights of Niva Bupa Health Insurance Plans

Keeping up with the evolving digitalization, Niva Bupa Health Insurance offers Niva Bupa Health App for its customers. Niva Bupa offers a scope of benefits like 30 minutes cashless claim process, instant reimbursement facility, an extensive network of over 7,000 hospitals, in-house guarantee claim settlement, and more.

Following are the health coverage plans offered by the insurer:

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  Health Companion

  Niva Bupa Health Companion plan comes with a host of smart features that caters to everything you need in a health cover. It is truly the smarter way to manage your entire family’s health.

• 

  Health Assurance

  Niva Bupa Health Assurance provides financial coverage during sudden emergencies like accidents, assuring you avail quality treatment at the time of need. You can also get the triple-layered advantage of CritiCare and AccidentCare.

• 

  Health Recharge

  Niva Bupa Health Recharge enhances your family’s health insurance cover with this super top-up plan. It covers medical expenses against personal accidents and critical illness and offers a plethora of features and benefits.
  
  Product Table
  Here’s a quick glance at the plan details offered by Niva Bupa:

  Niva Bupa Health Insurance Plans	Sum Insured (Rs.)	IPD Hospitals List –	Pre-&Post-hospitalisation	Modern Treatment (Robotic treatment)
  Health Companion: (Variant 1,2 & 3)	From Rs. 2 lakh to Rs. 1 crore	7,000	30- 60 days	NA
  Health Assurance (Accident Care and Critical Care)	From Rs. 5 lakh to Rs. 50 lakh Note: For over Rs. 50 lakh cover financial underwriting is required	7,000	NA	NA
  Health Recharge	From Rs. 5 lakh to Rs. 95 lakh Deductible: From Rs. 1 lakh to Rs. 10 lakh	7,000	60- 90 days	Cover up to SI (Sub-limits applicable on few conditions)

Niva Bupa Health Insurance, previously known as Niva Bupa Health Insurance, is considered a premium brand in the insurance market. Offering several options like family floater health insurance and individual health insurance, you can pick the one that suits you the best per the coverage, need, premium and suitability.

It is paving its way with a high claim settlement ratio of 96%, easy online renewability, comprehensive medical coverage, 4500+ network of hospitals with cashless benefits across India.

The Niva Bupa health insurance plans have an initial waiting period of 30 days. The waiting period to avail of benefits for pre-existing diseases is 48 months.

Here's a list of five significant benefits you can avail from Niva Bupa Health Insurance:

• Annual health check-ups

The company's health insurance policies include complementary health check-ups once a year or every 2-4 policy years. This benefit enables policyholders to track and manage their health.

• Cashless benefits

Niva Bupa's claims are handled by an in-house claim settlement department. The organisation has ties with over 4,500 network hospitals, ensuring that your health insurance claims are settled without cash. Furthermore, the organisation guarantees that your cashless claims will be pre-authorized after 30 minutes of notification, making the procedure swift.

• Protection from medical expenses

The company's health plans include extensive coverage advantages, which ensure that the majority of your medical expenses are covered. You will get coverage against inpatient hospitalisation, pre- and post-hospitalisation, daycare treatments, organ donation expenditures, ambulance cover, and more with Niva Bupa's health insurance.

• Tax benefits

The premium you pay for a Niva Bupa health insurance coverage qualifies for a tax deduction under Section 80D of the Income Tax Act, 1961.

• Reinstatement Benefit

The policy base sum covered is re-filled and made available to the insured when the same or a different illness hits in the same policy year.

Here are the steps to purchase health insurance plans offered by Niva Bupa Health Insurance:

1. Choose the health option online by visiting the website of the insurance provider.
2. Fill in your personal details. You will receive an OTP after completing this form. You will need to enter the OTP to complete the process.
3. Select the date wherein you wish to buy your Niva health insurance policy. To continue, tap on the 'View Instant Quotes' button.
4. Select which individuals of your household you wish to include in your health insurance plan.
5. Enter the ages of the family members you want to cover in the policy and then click ‘Continue’.
6. In the following step, select your ‘Email ID’ and ‘City’, then choose the ‘Submit and View Quotes’ option. You'll get numerous insurance plan estimates based on your preferences. Now all you have to do is pick a Niva Health Insurance Policy that adequately matches your needs.
7. Select the health insurance policy term, insert the needed information, and pay to finish the transaction

• Stage 1: Choose any of the hospitals under the cashless network and get admitted.

• Stage 2: Show the hospital your Niva Bupa Health Card. You can also supply your policy number as well as any other acceptable form of personal identification, such as a passport, PAN card, or voter's ID.

• Stage 3: The hospital will submit the pre-authorisation request form to Niva Bupa after verifying your identity.

• Stage 4: Within 30 minutes, Niva Bupa will react and offer confirmation to both the hospital and you.

• Stage 5: The claim will be settled directly with the hospital after all processes have been completed.

• Stage 1: If you are admitted to a hospital, please notify Niva Bupa within 48 hours, regardless of whether you are in a network or non-network facility.

• Stage 2: You will be required to clear the hospital bill on your own.

• Stage 3: Collect all essential documentation, bills, reports, and a discharge statement once you've been discharged.

• Stage 4: Send these documents to Niva Bupa, along with a completed and signed claim form, proof of ID, and proof of age.

• Stage 5: Following a review of your claim, you will either be authorised for reimbursement or denied, depending on the policy's terms and conditions.

• Stage 6: The amount you are entitled to will be reimbursed.

• Legitimate ID proof
• Doctor's letter for hospitalization
• Doctor's remedy for conference, medication, and clinical trials
• Hospitalisations and medical bills
• Reports of lab and radiology tests
• First Information Report (FIR), in case of an accident
• Post-mortem report, if applicable

You may renew your insurance by the following procedure below:

• Go to the website of Niva Bupa Health Insurance, i.e., www.nivabupa.com
• To renew your membership, go to the site's 'Renew' tab.
• Insert your current Policy Number and 'Date of Birth' and then tap the 'Submit button.
• Examine the specifics of the Niva health insurance plan and the premium sum for renewal.
• Make the transaction using the insurance provider's payment gateway.

Here are the key offerings by the insurance company:

1. Cashless benefit
2. Room rent
3. Operation charges
4. Treatment costs
5. Surgeon fees
6. Pre-hospitalisation
7. Post-hospitalisation
8. Road ambulance charges during emergency
9. All daycare procedures
10. Organ donor expenses
11. Modern treatment (robotic treatment) covered in Reassure, Health Recharge and Health Premia plans
12. Annual health check-up

There are a few exclusions to the policy. Some of them are listed below.

• Suicide, self-inflicted injury, accidents due to substance abuse
• Cosmetic or plastic surgery
• Sexually transmitted infections & diseases
• Dental/oral treatments
• Services in armed forces or any police organisation

For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.