Health Card

The Niva Bupa Health Card does not carry an expiry date and is directly linked to the expiry date of the policy that you have purchased. It stays valid if the policy is in force and it is therefore important to make sure to renew your policy regularly, as it offers various benefits.

Aside from claim denials, you'll lose out on perks like waiting periods for pre-existing conditions and the No-Claims Bonus (NCB) if the policy is not renewed. Insurance firms typically send reminders via email, phone calls, or SMS to ensure you do not miss out on renewing your medical insurance plans. Furthermore, if your policy has expired, you can ask the insurer for a grace period, which normally lasts between 15 and 30 days, and can renew your health insurance online from the convenience of your own home.

The Niva Bupa Health Card offers ease of use and convenience and can be used at any of the network hospital for:

• Cashless claims at the hospital during medical emergencies
• It acts as a proof of identity, enabling you to prove to the hospital authorities in case of an emergency that you are insured under that particular policy
• It helps keep a close eye on the date of validity
• It comes with important details such as the policy number and the name of the policyholder
• To read important details of the policy anytime, anywhere

The Niva Bupa Health Card is sent as part of the policy kit to make the claim process easier. In case you cannot locate the policy kit, the same can be downloaded from www.nivabupa.com or by contacting our customer care.

When assessing your eligibility for a Niva Bupa Health Card, your age and current health are the two most important factors considered.

Your age largely determines your premium. Experts recommend getting health insurance at a younger age, or at the earliest since it is less when one is younger. 

• The minimum age for obtaining health insurance for a child is 15 days, and the maximum age is 18.
• Adults must be 18 years old to apply, with a maximum age of 65.

The second factor is your overall health. When you get health insurance, you may be required to undergo a medical examination to determine your current health status. This is usually reserved for persons over the age of 45. If you are under the age of 45, you may just be required to submit a doctor's certificate stating that you are in good health.