Are there any exclusions to Niva Bupa Health Insurance coverage?

Niva Bupa’s best Health Insurance policies typically come with certain exclusions, specific conditions, treatments, or circumstances for which coverage is not provided. While the exact list of exclusions can vary depending on the policy type and insurer, some common exclusions typically found in the best health insurance policies include pre-existing conditions (at least for a certain initial waiting period), cosmetic procedures, alternative or experimental treatments not recognised by standard medical practice, self-inflicted injuries, injuries sustained during participation in hazardous activities or sports, and expenses related to non-medical services like administrative charges. Additionally, certain lifestyle-related conditions such as obesity, smoking-related illnesses, and substance abuse disorders may be excluded from coverage or may require additional premium or specific riders for coverage. Moreover, expenses incurred for treatments received outside the network of healthcare providers associated with Niva Bupa Health Insurance may not be covered, except in emergency treatment cases It's essential for policyholders to thoroughly review the policy documents and understand the exclusions mentioned therein to avoid any surprises during claim settlements. While exclusions are common in medical insurance policies, Niva Bupa typically provides transparent information about them upfront, allowing policyholders to make informed decisions about their coverage. Policyholders can also seek clarification from the insurer or their insurance advisor regarding any uncertainties about coverage or exclusions.

Does Niva Bupa Health Insurance cover outpatient expenses?

Niva Bupa Health Insurance typically offers coverage for outpatient expenses as part of its comprehensive best health insurance plans. However, the extent of coverage may vary depending on the specific policy and any additional riders or benefits chosen. Outpatient expenses generally include consultations with healthcare professionals, diagnostic tests, medications, and minor medical procedures conducted outside a hospital, such as in clinics or outpatient departments. Policyholders may be able to enhance their coverage for outpatient expenses by selecting specific add-on riders or benefits tailored to outpatient care. These may include coverage for routine health check-ups, vaccinations, preventive screenings, specialist consultations, and prescription medications. However, it's important to review the policy terms and conditions carefully to understand the scope of outpatient coverage, any limits or sub-limits applicable, and any exclusions that may apply While outpatient coverage adds value by providing financial support for day-to-day medical expenses and preventive care, policyholders should know that certain expenses, such as cosmetic treatments or elective procedures, may not be covered under outpatient benefits. Additionally, reimbursement for outpatient expenses may require submission of original bills and receipts, subject to the policy's claim procedures and documentation requirements.

Which Health Insurance is the best?

Determining the best health insurance policy depends on various factors such as individual needs, budget, coverage options, and customer service. However, Niva Bupa, known for its comprehensive coverage, innovative benefits, and reliable customer support, emerges as a strong contender in health insurance. With a wide range of plans tailored to diverse requirements, Niva Bupa offers features like cashless hospitalisation, an extensive network of healthcare providers, and add-on benefits. Their reputation for prompt claim settlements and transparent policies also adds to their appeal. While the definition of 'best' may vary from person to person, Niva Bupa merits consideration for those seeking quality health insurance coverage.

What is Mediclaim Health insurance?

Mediclaim health insurance, also known as medical insurance, is a policy that provides coverage for medical expenses incurred by the insured individual or their family in case of illness, injury, or hospitalisation. This insurance typically covers expenses related to hospitalisation, surgery, diagnostic tests, and sometimes outpatient treatments, offering financial protection against unexpected healthcare costs. Policyholders often pay a premium annually and may have deductibles or copayments. With the rising costs of medical care, the best Mediclaim policy is crucial in ensuring access to quality healthcare without the burden of hefty expenses, offering peace of mind and financial security to individuals and their families.

Which is the No. 1 Health Insurance in India?

Identifying the definitive 'No. 1' health insurance provider in India can be subjective, depending on individual preferences, needs, and experiences. However, among India's leading health insurance companies, Niva Bupa consistently stands out for its comprehensive coverage, innovative solutions, and customer-centric approach. With diverse plans catering to various demographics and requirements, Niva Bupa offers features like cashless hospitalisation, an expansive network of healthcare providers, and additional benefits such as wellness programmes and critical illness coverage. Their commitment to prompt claim settlements and transparent policies further enhances their reputation in the industry. While choosing the best health insurance policy provider is a personal decision, considering Niva Bupa for your health insurance needs could be prudent.

How can I buy this policy?

Here are convenient ways to purchase this policy: Online: Buy Health Insurance Online in India at an affordable price. Niva Bupa health insurance covers medical expenses, including treatments, surgeries & hospitalisation. Get instant policy generation, along with your policy kit and card, by purchasing the plan online. This applies to cases without further underwriting or medical checkup. Telephone: For more information on Niva Bupa's Health Plans, speak to our knowledgeable sales team or your local advisor. Call us at 1800 3010 3333 between 9 am and 6 pm IST (Monday to Saturday) or tap on 'Click to arrange a call' to buy the policy over the phone or schedule an appointment.

How to calculate health insurance premium?

Calculating health insurance premiums is a straightforward process that allows you to determine the cost of your coverage. To get started, you can use online premium calculators provided by insurance companies or third-party websites. Simply enter details such as your age, family size, location, and desired sum assured. These calculators will estimate the premium amount based on these factors. Additionally, you can compare premiums offered by different insurers to find the best deal. Remember, while the premium amount is important, it's equally crucial to consider the extent of coverage, exclusions, and special features provided by the policy. By calculating your health insurance premium beforehand, you can make an informed decision and ensure the affordability of your coverage.

How to renew your health insurance policy?

Renew health insurance in India, medical insurance plans with Niva Bupa that covers ✓Tax Benefits. Check your health insurance premium quotes now & get the best health insurance policy online! Renewing your health insurance policy is a breeze, ensuring uninterrupted coverage for your well-being. Here are a simple steps to follow: Mark your Calendar: Keep track of your policy's expiration date and set a reminder to initiate the renewal process in advance. Review your Policy: Take the opportunity to review your existing policy and assess if it still meets your healthcare needs. Consider factors like coverage, premium, deductibles, and any changes in your health circumstances. Contact your Insurer: Reach out to your insurance provider either through their website, customer service hotline, or mobile app. They will guide you through the renewal process and provide any necessary forms or documents. Provide Updated Information: Update your personal details, such as address, contact number, or any changes in your health condition. This ensures accurate documentation and streamlined communication. Pay the Premium:Make the payment for the premium either through online platforms, bank transfers or as per the instructions provided by your insurer. Online payment methods offer convenience and speed. Obtain Renewal Confirmation: Once the payment is processed, you will receive a confirmation of your policy renewal. Keep this document safe for future reference.

How to renew your health insurance policy?

When purchasing health insurance, you must gather a few essential documents to ensure a smooth and hassle-free process. Here's a concise list of documents you may require: Identification Proof Address Proof Age Proof Income Proof Medical Reports Passport-size Photographs

What documents do you require to buy health insurance?

When purchasing health insurance, you must gather a few essential documents to ensure a smooth and hassle-free process. Here's a concise list of documents you may require: Identification Proof Address Proof Age Proof Income Proof Medical Reports Passport-size Photographs

What are the eligibility criteria for health insurance?

You should buy health insurance plans from top medical insurance companies, but before that, you should be aware of the eligibility criteria. It can vary depending on the insurance provider and the specific policy you are interested in. However, there are some common factors to consider. Typically, individuals who are above a certain age (often 18 or 21 years) and below a certain age (usually 65 or 70 years) are eligible for health insurance coverage. Citizenship or residency status is another important factor, as most policies are available for citizens and residents of the country where the insurance is being purchased. Additionally, some insurers may have specific eligibility requirements based on pre-existing medical conditions or other risk factors. It's crucial to review the terms and conditions of different health insurance policies to determine the specific eligibility criteria for the coverage you are considering.

What are the benefits of comparing health insurance plans online?

Comparing health insurance plans online offers a convenient way to find the right coverage for your needs and budget. With clear and straightforward information, you can easily compare different policies and their features. You can compare up to three Niva Bupa plans simultaneously and determine which one suits you best. You can even obtain an estimated premium quote by providing a few basic details, like your name and age. This empowers you to make informed health decisions based on your own research rather than relying solely on an agent's recommendations.

Do health insurance plans cover Ayurveda and other alternative treatments?

Health insurance providers understand the growing demand for holistic treatments and have responded by including coverage for traditional and alternative therapies like Ayurveda, Unani, Sidha, and Homeopathy (AYUSH). Niva Bupa Health Insurance, along with other leading providers, offers comprehensive health plans such as Health Companion, Health Premia, ReAssure, and more, which cover these treatments. It's important to note that the coverage kicks in after 24 hours of hospitalisation, and the treatment must be obtained at a government hospital or an accredited institute approved by organisations like the Quality Council of India, the National Accreditation Board of Health (NABH), Central Council of Indian Medicine (CCIM), or Central Council of Homeopathy (CCH). Embrace the benefits of holistic healing with health insurance plans that support your well-being

Which medical insurance plan is best for you?

Choosing the best medical insurance plan for you depends on your individual needs and preferences. Consider factors such as coverage, premium costs, a network of hospitals, add-on benefits, and claim settlement records. It's important to assess your healthcare requirements, including pre-existing conditions, family size, and anticipated medical expenses. Research and compare different plans from reputable insurers like Niva Bupa Health Insurance to find the one that aligns with your specific needs. Remember, the best plan is the one that offers comprehensive coverage, fits within your budget, and provides peace of mind during uncertain times. So prioritise your health and make an informed decision to secure the best medical insurance plan for yourself.

Save Tax in India with Health Insurance Plans

Health insurance plans provide financial protection for your medical expenses and tax benefits in India. Under Section 80D, you can avail of tax deductions on the premium paid for health insurance policies. By investing in a health insurance plan, you not only safeguard your health but also reduce your taxable income. Here's how it works: If you pay the premium for yourself, your spouse, children, and parents, you can file a deduction of up to ₹25,000. For senior citizens, the deduction limit increases to ₹50,000. If you are under 60 and also pay the premium for your parents above 60, the combined deduction limit goes up to ₹75,000. Additionally, if you and your parents are senior citizens, the maximum deduction can be as high as ₹1,00,000. So, not only does health insurance provide essential coverage and financial security, but it also offers a valuable opportunity to save on taxes. Consult with a financial advisor or explore health insurance plans from trusted providers like Niva Bupa Health Insurance to maximise your tax savings while ensuring comprehensive health coverage for you and your loved ones.

Why buy health insurance online?

Experience the Simplicity and Convenience of Buying Health Insurance Online with Niva Bupa: Stay Safe, Shop from Home: There's no need to step out in the current pandemic. Instead, purchase your health insurance policy online, ensuring your safety and convenience. Empower Yourself: Say goodbye to agents! Instead, explore a wide range of plans on the Niva Bupa website, equipped with detailed policy information and brochures. Then, take your time to compare and choose the perfect plan that meets your specific needs. Calculate Premium with Ease: Take control of your premiums. Utilise the online calculator to customise your preferences and instantly calculate the premium amount and coverage details. Save Time and Effort: Skip the lengthy paperwork and endless phone calls. By purchasing health insurance online, you can save time and effort, allowing you to focus or concentrate on what matters most. Secure and Transparent: Rest assured with a secure and transparent online process. The terms and conditions are clearly presented during the purchase, and the entire transaction, including payment, is conducted in a safe and protected environment.

How to buy health insurance online?

You can buy health policies online with Niva Bupa. Compare medical policies and get access to benefits like cashless hospitalisation, medical expense cover & more. Here's how you can embark on your health coverage journey with just a few clicks: Research and Compare: Explore various health insurance providers and their plans. Compare their benefits, coverage, and premiums to find the best fit for your needs. Visit Provider Websites: Head to the official websites of insurance providers offering the plans you are interested in. Customise Your Plan: Use online tools to personalise your health insurance plan based on your requirements. For example, adjust coverage limits, add riders, and calculate premiums to align with your budget. Provide Information: Fill in your details and answer any necessary health-related questions during the online application process. Review and Confirm: Carefully review the plan details, terms and conditions, and coverage limits. Make sure everything aligns with your expectations before proceeding. Secure Payment: Complete the payment securely using the available online payment options provided by the insurance provider. Get Policy Documents: Once the payment is processed, your health insurance policy documents will be generated. They will be emailed to you or available for download on the website.

Can I buy a Health Insurance Plan for my whole family?

Yes, You have the flexibility to choose between a family plan or individual health insurance plans for each family member. A Family Health Insurance Plan allows you to cover yourself, your spouse, dependent children, parents, in-laws, and even other relatives, as defined by the insurance company. By opting for a family plan, you simplify the process with a single premium payment for comprehensive coverage for your entire family. Furthermore, you can also enjoy tax benefits under section 80D for the premium paid. Make the most of your health insurance options and secure the well-being of your loved ones.

Is a Health Insurance Policy the Same as a Family Floater?

No, a health insurance plan can be tailored for individuals, families, or even groups such as employees. However, a family floater policy is specifically designed to provide coverage for all members included in the policy under a single plan. With a family floater policy, any member of the family can make claims up to the sum assured value individually or collectively. While regular health insurance plans consider the age of the applicant, in a family floater, the premium is based on the age of the oldest member. Additionally, the premium increases as the number of members in the family floater plan increases. This allows families to have comprehensive coverage while simplifying the insurance process.

What is the waiting period for critical illnesses under a Health Insurance Plan?

Traditional health insurance plans typically offer coverage for critical illnesses after a waiting period of 90 days from the start of the policy. Additionally, the concept of a survival period is important for critical illnesses. This means that the insured individual must survive for a specific number of days, known as the survival period, before receiving the sum assured.

Can I add a rider to a Health Insurance Plan?

Yes, while standard health insurance plans may not encompass all the coverage you desire, you can enhance your health insurance by opting for additional riders. These riders allow you to tailor your health coverage according to your specific needs. Some popular riders to consider include room rent waiver, critical illness cover, AYUSH cover, hospital cash cover, maternity cover, personal accident cover, and NBHI's Safeguard, among others. These riders provide an extra layer of protection and ensure comprehensive health insurance coverage.

Does the Health Insurance Plan offer maternity benefits?

Yes, some health insurance plans do offer maternity benefits. It is important that these benefits may be subject to sub-limits specified by the insurer in the plan. Typically, they cover normal and caesarean deliveries and prenatal and postnatal hospitalisation. However, specific waiting periods may range from 9 months to 4 years for these benefits to become active. Alternatively, you can enhance your maternity coverage by choosing for a maternity add-on cover or rider. By paying an additional premium, you can unlock comprehensive maternity-related benefits such as coverage for delivery and labour expenses, pregnancy complications, infertility treatment, lawful termination of pregnancy, newborn baby cover, and more. This ensures that you have a coverage specifically customised to your maternity needs.

Can I change my existing policy to Niva Bupa Health Insurance Policy?

Yes, it is indeed possible to change or transfer your current health insurance plans in India to Niva Bupa through the process of health insurance portability. However, to be eligible for this transfer or portability, it is crucial to maintain your previous policy without any gaps in coverage. Owing to the introduction of health insurance portability by IRDAI, policyholders now have the flexibility to switch health insurance providers without losing the accumulated benefits from their previous health insurance policy. Furthermore, the best health insurance plans will waive the waiting period already fulfilled under the last policy. By porting or transferring your health insurance to Niva Bupa, you gain access to its exceptional features and services and retain your existing benefits. This permits for a seamless transition while enjoying the advantages provided by Niva Bupa Health Insurance.

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Health Insurance Plans

Q: What is the meaning of Health Insurance?

When thinking about buying the best health insurance in India, it is crucial to understand what it truly means. A medical insurance plan is a financial instrument designed to mitigate the risk of medical expenses by providing coverage for various healthcare services. At its core, the best health insurance in India aims to safeguard individuals and families against the financial burden of unexpected medical costs resulting from illnesses, injuries, or preventive care. Primarily, best health insurance plans operate on the principle of risk pooling. Policyholders pay regular premiums into a collective fund managed by the insurance provider. In return, the insurer agrees to cover a portion or all of the policyholder's eligible medical expenses, depending on the terms and conditions outlined in the insurance policy. The scope of coverage offered by best health insurance plans can vary widely, ranging from basic plans covering essential healthcare services to comprehensive policies encompassing a broader range of benefits, including hospitalisation, prescription drugs, preventive care, and specialist consultations. However, it's essential to recognise that best health insurance in India is not a one-size-fits-all solution, and the adequacy of coverage can vary depending on factors such as the specific terms of the policy, the insurer's network of healthcare providers, and any limitations or exclusions outlined in the policy documents. By providing coverage for a range of medical services, the best health insurance plans in India help ensure access to necessary care while mitigating the financial burden on policyholders

Q: What is a Mediclaim Insurance Policy?

Here are convenient ways to purchase this policy: A Mediclaim policy, commonly known as health insurance in India, is a type of insurance coverage that provides financial protection against medical expenses incurred due to illness, injury, or hospitalisation. It functions as a safety net, ensuring individuals and families can access quality healthcare without excessive out-of-pocket costs. At its core, the best Mediclaim insurance in India works by reimbursing the policyholder for eligible medical expenses or by directly settling bills with healthcare providers, depending on the terms of the policy. These expenses typically include hospitalisation, surgery, diagnostic tests, medications, and sometimes even pre and post-hospitalisation expenses. The coverage and extent of benefits vary across different policies and insurance providers.

Q: What does Niva Bupa Health Insurance cover?

Niva Bupa medical insurance plan offers comprehensive coverage across various healthcare needs. Here's a breakdown of what it typically covers: Inpatient Hospitalisation: Niva Bupa medical insurance plan covers expenses incurred during inpatient hospitalisation, which include room charges, doctor's fees, medical tests, surgeries, and medication expenses. This ensures that you receive adequate financial support during a hospital stay for illnesses or injuries requiring extensive medical care. Pre and Post-Hospitalisation Care: The best health insurance plan extends coverage to pre and post-hospitalisation care expenses. This includes diagnostic tests, consultations, medications, and other medical services received before admission to the hospital and after discharge. By covering these aspects, Niva Bupa medical insurance plans ensure continuity of care, helping you manage your health effectively throughout the treatment process. Ambulance Charges: In case of medical emergencies or the need for non-emergency transportation to a medical facility, Niva Bupa medical insurance plans cover ambulance charges and the cost of air ambulances as well. Whether it's transporting you to the hospital in a critical situation or for scheduled medical appointments, having ambulance charges covered ensures timely access to medical care without worrying about the associated costs.

Q: Are pre-existing conditions covered under Health Insurance?

Best health insurance in India covers pre-existing conditions, albeit with certain conditions and limitations. Insurers usually define pre-existing conditions as illnesses or medical conditions the policyholder had before purchasing the insurance policy. However, there's often a waiting period before coverage kicks in for pre-existing conditions. During this time, policyholders may be unable to claim expenses related to these conditions. The duration of this waiting period varies depending on the insurer and the specific policy but can range from one to four years. Additionally, insurers might have clauses specifying that coverage for pre-existing conditions will only be provided after continuous policy renewal without any breaks. Moreover, policyholders must disclose any pre-existing conditions accurately when purchasing the policy. Failure to disclose such conditions can lead to claim rejection or even policy cancellation later. While the best health insurance in India does cover pre-existing conditions, understanding the waiting periods, disclosure requirements, and policy terms is crucial to ensure adequate coverage and avoid any disputes during claim settlements. Additionally, individuals with pre-existing conditions may find it beneficial to explore policies with comprehensive coverage or consider top-up plans to supplement their existing medical insurance plans coverage.

Q: Can I customise my Niva Bupa Health Insurance plan?

Yes, Niva Bupa medical insurance plans often offer customisation options to suit individual needs and preferences. These customisation features can vary depending on your chosen plan and the insurer's offerings. Typically, customisation options include: Selecting different coverage levels.Adding optional riders or benefits. Adjusting deductibles or co-payments. Tailoring the policy duration and sum insured to align with your requirements and budget. For instance, you may have the flexibility to choose between various coverage tiers such as basic, standard, or comprehensive, allowing you to prioritise coverage for specific medical services or conditions. Additionally, Niva Bupa may offer a range of optional riders, such as maternity coverage, critical illness coverage, or outpatient benefits, which you can add to enhance your policy's scope. Moreover, you might have the option to adjust deductibles or co-payments, which can affect your premium costs. Higher deductibles or co-payments typically result in lower premiums, while lower out-of-pocket expenses may come with higher premiums. Niva Bupa medical insurance may also provide the option to customise the policy duration and sum insured based on your financial needs and risk tolerance. Customising your Niva Bupa’s best health insurance plan allows you to tailor coverage to your specific healthcare needs and budget constraints, ensuring you have the protection you need while optimising costs. It's advisable to thoroughly review and understand all customisation options available to make informed decisions that best meet your requirements.

Q: Is there a network of healthcare providers associated with Niva Bupa Health Insurance?

Yes, Niva Bupa medical insurance typically maintains a network of healthcare providers, including hospitals, clinics, and healthcare professionals, to offer policyholders access to quality medical services. This network, often called the preferred provider network, consists of facilities and practitioners with whom Niva Bupa has established partnerships or agreements. When policyholders seek medical treatment within this network, they can benefit from cashless claim settlement, meaning the insurer directly settles the medical bills with the healthcare provider, subject to policy terms and conditions The advantage of having a network of healthcare providers associated with Niva Bupa medical insurance is the convenience and cost-effectiveness it offers to policyholders. Policyholders can often enjoy discounted rates for medical procedures and consultations by availing services within the network. Additionally, the cashless facility eliminates the need for policyholders to pay upfront for covered services and seek reimbursement, streamlining the claims process and reducing financial burden during emergencies. Furthermore, Niva Bupa's network of healthcare providers is usually extensive, encompassing various medical specialities and facilities across various locations. This ensures that policyholders have access to healthcare services wherever they may be, whether locally or while travelling within India. However, policyholders need to familiarise themselves with the specific network providers available under their policy and understand any coverage limitations or requirements, such as pre-authorisation procedures, to maximise the benefits of their best health insurance coverage.

Health insurance is a critical safety net, protecting you from financial challenges during medical emergencies or planned hospitalisations by covering the expenses specified in your policy. So, take the first step today towards a financially secure future.

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Custom Health Insurance Plans designed for You

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₹8,632¹

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A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.

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A Super Top-Up Plan That Goes The Extra Mile For Your Loved Ones.

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₹956¹

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₹95,00,000 with ₹5L Deductible

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Key Benefits of Health Insurance Plans in India

There are several benefits one can enjoy while purchasing the best health insurance in India.

Cashless Medical Treatment:

In the domain of the best health insurance in India, each insurer offers a wide network of hospitals across the country. So, if you find yourself admitted to any of these esteemed partnerships with a vast network of empanelled hospitals,you can bid farewell to worries about payment. Simply present your policy number, and your insurer and the hospital will shoulder all your expenses. Cashless claims reign supreme in health insurance policies, owing to their seamless process that eliminates hassles related to claim disbursement and tedious documentation.

Post and Pre-Hospitalisation Coverage:

Best health insurance in India goes beyond merely covering hospitalisation expenses, providing clients with comprehensive coverage. Today, traditional health plans extend their reach to include pre and post-hospitalisation expenses, ensuring a holistic approach to healthcare. Moreover, these plans offer benefits like medication costs, doctor consultations, ambulance charges, and much more, ensuring that individuals are safeguarded against various healthcare expenses.

No claim bonus:

Best health insurance in India gives policyholders an enticing perk known as a no-claim bonus.This bonus rewards individuals who haven't made any claims during the previous year by offering them a discount on their premiums or an increase in their coverage. Upon renewing the policy, policyholders can take advantage of this appealing no-claim bonus, ensuring they are recognised and rewarded for their healthy track record.

Medical Checkup Facility:

Choosing the best health insurance in India that aligns with your needs not only grants you coverage when required but also opens the door to regular medical check-ups. In addition, as a valuable inclusion within your health plan, insurers understand the significance of proactive healthcare and provide this facility to ensure your well-being remains a top priority.

Co-payment

Co-payment is a valuable benefit offered by health insurance plans that helps individuals manage their medical expenses. With co-payment, policyholders must pay a fixed, predetermined amount out of pocket for specific healthcare services while the insurance company covers the remaining costs. This feature of the best health insurance plans in India ensures that individuals have affordable access to necessary medical treatments, consultations, or prescription drugs, promoting timely healthcare utilisation and reducing financial burden.

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Check our track record for successfully settled claims, ensuring peace of mind when you need it most.

Premium Calculator

Calculate your insurance premium easily to choose a plan that fits your budget.

Best Insurance Plans

Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.

How does Our Claim Process work?

Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:

Website

Niva Bupa App

Hospital Admission:

Get admitted to a Niva Bupa network hospital.

Identification:

Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.

Pre-authorisation:

The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.

Niva Bupa Confirmation:

After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request.

Final Settlement:

Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.

What is Health Insurance?

An extensive medical insurance plan involves coverage for hospitalisation expenses, diagnostic tests, pre- and post-hospitalisation care, ambulance fees, and various other treatment-related costs. You can choose an individual health insurance plan to secure yourself or a family health insurance plan to protect your entire family under one policy. When selecting a health insurance plan, ensure it offers extensive coverage for the premium paid and that the sum insured is sufficient to meet your needs throughout the policy period. At Niva Bupa, we aim to give you access to the best health insurance plans. We provide medical insurance plans that empower you to live your life to the fullest.

Health Insurance Myths

Let's bust these myths about best health insurance plans in India once and for all:

Myth 1: Health insurance is unnecessary for the young and healthy.

Myth 2: Health insurance covers all healthcare costs.

Myth 3: Group coverage eliminates the need for an individual health insurance plan.

Features You Should Know About

Cashless Hospitalisation: Avail of treatment at network hospitals without paying out-of-pocket.
Lifetime Renewability: Continue your policy for life to ensure uninterrupted coverage.
No-Claim Bonus: Earn discounts or enhanced sum insured for every claim-free year.
Day-care Procedures Coverage: Covers treatments that do not require 24-hour hospitalisation.
Restoration Benefit: Automatically restores the sum insured if exhausted during the policy year.

How to Choose the Right Medical Insurance Plan?

Assess Your Healthcare Needs: Consider your medical history, lifestyle, and potential health risks.
Compare Plans Online: Evaluate coverage, benefits, and premiums to make an informed decision.
Look for Comprehensive Coverage: Opt for a plan that offers broad coverage, including OPD and critical illness cover.
Check the Insurer’s Reputation: A reliable insurer with a strong claim settlement record ensures hassle-free processing.

Types of Health Insurance Plans in India

The below-mentioned features ensure that health insurance policies provide comprehensive coverage for various medical needs while considering factors like waiting periods, co-payments, and additional riders.

Individual Health Insurance Plans

An Individual Health Insurance Plan is a type of insurance policy created to provide financial coverage for medical expenses incurred by a single person.

Note: The sum assured of the policy is directly dependent on the age, health and income level of the insured individual.

Individual Health Insurance Plans

Family Floater Health Insurance Plans

A Family Floater Health Insurance Plan is an extensive insurance policy designed to provide medical coverage for an entire family under a single sum insured.

Note: Keep in mind that the premium of a family floater policy is heavily dependent on the age of the oldest family member covered under the plan.

Family Health Insurance Plans

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Senior Citizen Health Insurance Plans

A Senior Citizen Health Insurance Plan is a customisable or personalised medical plan to provide support and care for seniors in their golden years.

Note: Anyone above the age of 65 can opt for such a cover.

Senior Citizen Health Insurance Plans

Fixed Benefits with Niva Bupa Medical Insurance

Cashless Medical Treatment

We offer cashless healthcare treatment at numerous partner or network hospitals nationwide. If you're admitted to one of these hospitals, provide your policy number, and your insurer will cover your expenses directly with the hospital. This seamless process prevents the hassle of paying out-of-pocket and dealing with claim paperwork.

Pre and Post-Hospitalisation Coverage

Health insurance goes beyond covering just hospital stays. Various plans now involve pre and post-hospitalisation expenses, such as medication costs, doctor consultations, and ambulance charges. This comprehensive coverage protects you against healthcare costs, providing a holistic approach to your medical needs.

No Claim Bonus

An important feature of health insurance in India is the no-claim bonus. If you don't make any claims during a policy year, you're rewarded with either a discount on your premium or an increase in your coverage when you renew. This incentive recognises and rewards your healthy lifestyle.

Medical Check-Up Facility

Our health insurance plans in India also include regular medical check-ups. This proactive healthcare feature helps you maintain your well-being by providing regular health assessments and detecting any potential issues early.

Co-Payment with Health Insurance Policy

Co-payment is a feature in some Indian health insurance plans. In this arrangement, you pay a fixed amount for certain healthcare services, and the insurer covers the rest. This assists in managing medical expenses, making necessary treatments, consultations, and prescription drugs more affordable. It also encourages timely healthcare usage while reducing financial strain.

Knowing all About Inclusions & Exclusions

Understanding insurance terms is vital before selecting a policy. Explore the language of health insurance to make informed decisions.

Health Insurance Inclusions	Health Insurance Exclusions
Inpatient hospitalisation Pre and post-hospitalisation care Day care procedures Ambulance charges Covid-19 coverage	The purchase of external devices like spectacles, hearing aids, artificial limbs, crutches, artificial teeth, and veneers is all excluded. A health insurance policy does not cover instances of self-inflicted injury. Any type of cosmetic surgery, such as plastic surgery or Botox, is excluded. Exceptions include surgery for burns or accidental bodily injuries, or surgeries for the treatment of cancer.

Health Insurance Inclusions

Health Insurance Exclusions

Inpatient hospitalisation

Pre and post-hospitalisation care

Day care procedures

Ambulance charges

Covid-19 coverage

The purchase of external devices like spectacles, hearing aids, artificial limbs, crutches, artificial teeth, and veneers is all excluded.

A health insurance policy does not cover instances of self-inflicted injury.

Any type of cosmetic surgery, such as plastic surgery or Botox, is excluded. Exceptions include surgery for burns or accidental bodily injuries, or surgeries for the treatment of cancer.

Understand Eligibility for Health Insurance

Eligibility for a medical insurance policy is determined based on the following criteria:

Age:
The typical entry age for insurance coverage is 18 to 65, though some policies may extend coverage up to 70. Additionally, children aged 16 days to 18 years may be included, with provisions often available for newborn and postnatal care.
Tests:
Certain insurers may necessitate favourable medical test results, encompassing routine blood and urine tests and major organ tests. Generally, applicants below 45 are exempt from mandatory medical testing.
Medical Condition:
Disclosing pre-existing health conditions during the application is important. Such disclosures might initiate a waiting period and could influence premium calculations.

Ensure you meet the eligibility criteria specified above to avail the benefits of a medical insurance policy.

Choosing the Best Health Insurance Plans in India

Variable	Consideration
Coverage	Evaluate the coverage provided by multiple plans and select or choose the one that reasonably meets your needs.
Sum Assured	Take into account medical expenses when choosing the sum assured. Choose a sensible amount that ensures you are neither over insured nor underinsured. Consider affordability as well.
Hospital Coverage	Verify the insurer's extensive network of hospitals that accept cashless hospitalisation.
Floater Over Individual Policy	If you need health coverage for your family, choose a family plan instead of individual policies. It can be more cost-effective.
Lifetime Renewability	Opt for a health insurance policy with lifetime renewability to ensure coverage as you age

Why Do You Need Health Insurance?

The features outlined below guarantee that the best health insurance policies offer extensive coverage for diverse medical requirements, taking into account aspects such as waiting periods, co-payments, and supplementary riders.

Financial Protection in Emergencies: Health insurance secures or safeguards your savings by covering medical expenses during emergencies.
Coverage for Medical Treatments: It pays for treatments related to various healthcare conditions, including lifestyle diseases like diabetes, hypertension, and obesity.
Supplement Employer Coverage: Employer-provided medical insurance often has limited coverage, so it's essential to buy additional health insurance to ensure adequate protection.
Tax Benefits: Buying health insurance or medical plan allows you to claim tax deductions under Section 80D, providing financial relief while securing your health.

Features of the Health Insurance Policy

Feature	Description
Hospitalisation Coverage	Evaluate the coverage provided by multiple plans and select or choose the one that reasonably meets your needs.
Pre and Post-hospitalisation Coverage	Includes expenses before and after hospitalisation for specified days
Day Care Treatment	Covers outpatient department treatments, ENT, dental procedures, etc.
Cashless Health check-ups and Diagnostic Tests	Convenient cashless transactions for health check-ups and tests
Tests	Check-up & tests

Things to Consider Before Buying a Health Insurance Plan in India

1. Coverage and Benefits

Ensure that your health plan covers hospitalisation, pre-and post-hospitalisation expenses, ambulance charges, and day-care procedures. Additional riders for maternity benefits, OPD cover, and critical illness protection should also be considered.

2. Network Hospitals

Check the list of network hospitals under the insurer. A wider network allows you to avail of cashless treatment easily.

3. Waiting Period and Pre-existing Conditions

Medical insurance plans come with a waiting period for pre-existing conditions. Choose a policy with a shorter waiting period for quicker coverage.

4. Premium and Affordability

Compare different medical insurance plans while your journey of health insurance planning to find the one that offers the best coverage at a reasonable premium. Ensure the policy aligns with your budget and long-term needs.

5. Claim Settlement Ratio

A high claim settlement ratio ensures that the insurer efficiently settles claims, providing a seamless experience during medical emergencies.

Factors Influencing Health Insurance Premiums

Age is pivotal in determining your health insurance premium; generally, older individuals pay higher premiums.
Pre-existing medical conditions often result in higher insurance premiums.
Your occupation, especially if it involves hazardous conditions, can increase premium costs.
Choosing a longer policy duration typically leads to lower premiums.
BMI index is linked to various diseases; individuals with higher BMI may face increased premiums.
Smoking or alcohol consumption can raise premium rates compared to non-smokers or non-drinkers.
Geographical areas with harsh climates may incur higher premium costs.
Purchasing separate policies for each family member or opting for add-ons can elevate premium expenses.
Co-insurance options can reduce policy premiums.

Determining Health Insurance Premiums

To compute your health insurance premium:

Utilise our user-friendly online premium calculator
Input essential details like your age, residential location, and desired coverage amount.
For family plans, specify the number of individuals to be insured and the age of the eldest member.
With just a few clicks, you'll receive the calculated premium amount. Keep in mind that premiums are influenced by factors such as age, location, lifestyle, BMI, occupation, and more.

Save Tax with a Medical Insurance Policy

Under Section 80D of the Income Tax Act, you can claim tax deductions on health insurance premiums:

Self and Family: Up to ₹25,000 per year.
Senior Citizens: Up to ₹50,000 per year.
Parents (Senior Citizens): Additional deduction of ₹50,000.
Preventive Health Check-up: Up to ₹5,000.

Factors to Consider When Choosing the Right Medical Insurance Plan?

The features below ensure that health insurance policies offer comprehensive coverage tailored to various medical needs while accounting for factors like waiting periods, co-payments, and optional add-on riders:

Coverage: Assess and compare the coverage offered by different plans to find the one that best aligns with your health needs and financial considerations.
Lifetime Renewability: Opt for a policy with lifetime renewability to secure continuous coverage as you age, protecting against future health uncertainties.
Hospital Network: Check that the insurer has a wide network of hospitals offering cashless hospitalisation to make emergency care more accessible and convenient.
Sum Assured: Choose a suitable sum assured to cover medical expenses adequately, ensuring you’re neither over-insured nor under-insured. Balance coverage needs with affordability.
Family Floater vs. Individual Policy: For family coverage, consider a family floater plan rather than multiple individual policies. It often provides better value and cost savings.

Why Should You Compare Health Insurance Plans Online?

Health insurance providers offer various plans with different features. You can select the one that best suits your needs by comparing them.
Comparing premium quotes can help you find a health policy that aligns with your budget.
You can also assess value-added services provided by different insurers, such as complimentary health check-ups. Thus, through comparison, you can determine your most suitable health insurance policy.

Why Choose Niva Bupa?

Niva Bupa has stood out as India's premier health insurance provider since 2008, with a vast customer base of over 1.5cr+ individuals and an impressive claim settlement ratio of 92%. Offering direct claim settlement eliminates third-party administrators. With coverage in 190 countries, Niva Bupa provides critical illness insurance and boasts a network of 10,400+ hospitals for cashless treatment.

It offers a wide range of policies, including individual, family floater, and senior citizen coverage, along with attractive benefits such as renewal discounts, no room rent restrictions, alternative treatment coverage, daily health coaching, and international and travel insurance. Senior citizens receive premium services covering ambulances, organ donors, AYUSH therapy, and daycare treatments.

Accident plans include comprehensive benefits like permanent disability coverage, child education, and death benefits, while coverage extends to 20 critical illnesses with long-term discounts and lifetime renewal options. With Niva Bupa, enjoy peace of mind and comprehensive coverage.

1. High Claim Settlement Ratio

Our commitment to seamless claim processing ensures peace of mind when you need it the most.

2. Cashless Hospitalisation Across India

With an extensive network of hospitals, we provide access to hassle-free treatment without upfront payments.

3. Customisable Plans for Every Need

From individual policies to family floaters and critical illness covers, we offer flexible plans that suit your requirements.

4. 24x7 Customer Support

Our dedicated team is available round the clock to assist you with queries and claims.

5. Affordable and Transparent Pricing

With no hidden charges and affordable premium options, we make quality healthcare accessible to everyone.

Investing in a medical insurance policy or health insurance plan is one of the most crucial financial decisions you can make. Secure your health and future with Niva Bupa’s comprehensive and customer-centric health insurance solutions. Get a quote today and take the first step towards a healthier, worry-free future!

Health Insurance Claims

Discover the nearest network hospital through the Niva Bupa Health app for seamless cashless claims.

Get your health insurance forms from the hospital, complete them, and submit them back. Required documents may include your policy number, photo ID, and other proofs.
When we receive your documents, our internal claims committee will assess your claims based on treatment, documents, and coverage of the health insurance policy. In the rare event of rejection, you can appeal to our grievance team for a thorough review.
Once your claims are approved, enjoy medical treatment without any upfront payments to the hospital, except for consumables or specific items/procedures mentioned in the exclusions charter.
Upon discharge, we will carefully review your discharge summary and documents before processing the claim. Stay informed about your claim's progress at every stage through the Niva Bupa website. Rest assured, Niva Bupa aims to process cashless claims in 30 minutes or less, providing swift assistance.

Documents for Health Insurance Claim Reimbursement

Complete the claim form with your signature and proof of valid identity.
A doctor's prescription recommends hospitalisation, diagnostic tests, and medications.
Original invoices for pharmacy bills, indoor case papers, and ambulance receipts.
Policy documents containing details of the insured, including name, address, and illness.
Any additional documents deemed necessary for claim settlement are at our discretion.

Who are Third Party Administrators in Health Insurance?

When it comes to purchasing a health insurance policy, third-party administrators (TPA) hold significant influence over your experience. They are the crucial agencies you'll directly interact with when making claims. So, if you're planning to secure a health insurance policy soon, the TPAs will play a vital role in your journey.

TPA

Scope Of Work for a TPA

Role/Importance Of TPA

Customer Service

Cashless Service

Claims Processing

IRDAI Amendments

How to Buy Health/ Medical Insurance Policy Online?

You can buy health policies online with Niva Bupa. Compare medical policies and get access to benefits like cashless hospitalisation, medical expense cover & more. Prior to now, health insurance businesses in India had to invest in infrastructure and enlist the aid of several brokers, agents, and financial advisers in order to offer health insurance plans. The process was laborious, time-consuming, and involved mountains of paperwork.

But in the current digital era, obtaining a health insurance plan is virtually as simple as ordering a pizza. The internet can offer you a plethora of knowledge about different health insurance plans, their features, and advantages, as well as quick and easy instructions on how to purchase a health insurance plan online.

With very little paperwork and middlemen, the process has developed into one that is incredibly transparent, efficient, and cost-effective. The only remaining query is how to submit an application for an Indian health insurance plan?

Step 1 : Discover a World of Insurance Options

Uncover a treasure trove of valuable insights about various health insurance policy providers right at your fingertips. Explore and compare all the available choices on multiple comparison portals tailored to your preferences, including premiums, coverage types, and more.

Step 2 : Delve into Plan Details

After narrowing your options to a few promising health insurance plans, dive into the details by visiting the respective insurance provider's website. Arm yourself with the knowledge and understanding to make an informed decision. Access brochures and policy wordings for all Niva Bupa health insurance plans directly on our website.

Step 3 : Securely Provide KYC Details

When applying for a health insurance policy online, provide your identity details and documents through the insurance provider's website. Avoid third-party websites to maintain security and peace of mind.

Step 4 : Uncover the Fine Print

Read the terms and conditions meticulously, paying close attention to exclusions and riders. Note vital factors such as premiums, sum insured, waiting periods, claim settlement processes, inclusions and exclusions, flexibility, renewal clauses, and additional benefits.

Step 5 : Seal the Deal

Once you've selected your ideal plan and determined the desired sum insured, take the next step and effortlessly pay through the secure payment gateways on the insurer's website.

Why Should You Compare Health Insurance Plans Online?

Health insurance providers offer various plans with different features. You can select the one that best suits your needs by comparing them.
Comparing premium quotes can help you find a health policy that aligns with your budget.
You can also assess value-added services provided by different insurers, such as complimentary health check-ups. Thus, through comparison, you can determine your most suitable health insurance policy.

Your Perfect Plan Awaits you

Live Healthy and secure your health with our comprehensive insurance plans

Looking for an ideal Health Insurance Plan

Frequently Asked Questions

What is the meaning of Health Insurance?

What is a Mediclaim Insurance Policy?

What does Niva Bupa Health Insurance cover?

Are pre-existing conditions covered under Health Insurance?

Can I customise my Niva Bupa Health Insurance plan?

Is there a network of healthcare providers associated with Niva Bupa Health Insurance?

Our Satisfied

Customers

Watch what our customers are saying. REAL STORIES with REAL IMPACT!

Vippan Kapur

It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.

Meenakshi Khanna

Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.

Vijay Kapoor

With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.

Diviay Chadha

Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.

Parveen Singh

The Niva Bupa team was extremely helpful, be it day or night, someone was always available.

What is the difference between

Health Insurance and Mediclaim Policy?

While both the best health insurance policy and the best Mediclaim insurance in India provide financial protection against medical expenses, the best health insurance policy offers broader coverage for various healthcare services, while the best Mediclaim policy primarily focuses on hospitalisation expenses. The choice between the two depends on individual healthcare needs and preferences.

	Health Insurance	Mediclaim Insurance
Scope of Coverage	Best Health insurance policy typically offers comprehensive coverage beyond just hospitalisation expenses. It may include preventive care, outpatient services, mental health services, maternity benefits, and more.	The best Mediclaim insurance in India primarily reimburses hospitalisation expenses, including room rent, surgery, medications, diagnostic tests, etc. It generally does not cover outpatient expenses or other healthcare services.
Coverage Limits	Medical insurance plans usually have higher coverage limits and broader coverage for various medical services.	The best mediclaim policy has specific limits for hospitalisation expenses, often based on factors like room rent, treatment costs, and overall sum insured.
Premiums	Premiums for best health insurance plans in India tend to be higher due to the wider scope of coverage.	Premiums for the best mediclaim insurance in India may be comparatively lower since they mainly cover hospitalisation expenses.
Additional Benefits	Medical insurance plans or best health insurance plans in India often include additional benefits such as wellness programs, coverage for alternative treatments, maternity benefits, and chronic illnesses.	Best mediclaim policy typically focuses solely on hospitalisation-related expenses and may not offer as many additional benefits.
Claim Process	The claim process for the best health insurance plans in India may be more extensive due to the broader coverage, involving documentation for various medical services.	Claim processes for the best Mediclaim insurance India are often straightforward, primarily involving documentation related to hospitalisation expenses.

Health and Wellness Blogs

What are Pre & Post Hospitalization Expenses in Health Insurance Plans?

Pre & Post Hospitalization Expenses play an important role in a health insurance cover. In the article, Niva Bupa has explained what are pre & post hospitalization expenses.

Safeguard your Health with a Cashless Mediclaim

Know all the benefits and tips before choosing your mediclaim plan. Read the article to get a deep insight of the topic.

What Is Cashless Mediclaim Policy?

Cashless Mediclaim Insurance overcomes the hassles of claim settlement & paperwork during a stressful time. The article explain cashless mediclaim insurance in detail.

Cashless Treatment: How it Works and What to Know

Understand how cashless treatment works, allowing you to receive medical care without upfront payments. Learn the benefits of utilizing cashless health insurance.

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I found, the Niva Bupa app to be very user-friendly and most convenient. Thanks for the interface that gives power to me. From finding cashless hospitals in any location, booking a consultation, to submitting and tracking claims, etc., everything is on my fingertip. Recently, suddenly, my 8-year-old daughter fell ill, infected by Dengue, I applied for reimbursement using this app for the first time. Still, I completed the process easily and today I got the reimbursement amount as well in a week. THANK YOU.

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www.nivabupa.com

+91 11 41743397

1860-500-8888

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Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: L66000DL2008PLC182918

DISCLAIMERS

*Claim Promise with Zero Deductions:

This is applicable for ReAssure, Reassure 2.0, Aspire and Rise product.

a. Buy your Niva Bupa policy for coverage of 10 Lacs or above, with Safeguard+ add on

b. Intimate Niva Claim helpline (1860-500-8888) 48 hours before hospitalization for non-emergency treatments

c. Choose any hospital from the list of recommendations given by Claim Advisor for your treatment, via cashless facility

d. Receive a claim promise with zero deduction, in accordance with policy inclusions and T&C.

e. Claims Exclusions: the promise will not apply to claims arising due to exclusions stated in the policy (e.g.- non-disclosure, fraud, standard exclusions, waiting periods etc.)

Why Choose Niva Bupa

¹ Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.

² Since Inception refers to claim data from 2010 till December 2023.

Custom Health Insurance Plans designed for You

Popular

¹Aspire: Quoted premium is inclusive of GST for Bronze+ Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.

²Reassure2.0: Quoted premium is inclusive of GST for Bronze Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.

³Rise: The premium is including taxes and digital discount for “Rise” ₹ 5 lacs base sum insured and 1 year tenure for a 25-year-old individual living in Bangalore and paying the complete premium in one-time.

⁴Health Premia: Quoted premium is inclusive of GST for ₹ 5 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)(1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions.

⁵Health Companion: *Quoted premium is inclusive of GST for Variant 2022 with ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.

Senior Citizens

¹Health Companion: Quoted premium is inclusive of GST for Variant 2022 with ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.

³Senior First: Quoted premium is inclusive of GST for Gold Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 65 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.

Wellness

¹Health Premia: Quoted premium is inclusive of GST for ₹ 5 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)(1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions.

²Go Active: Quoted premium is inclusive of GST for ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.

³Heartbeat: (1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions. *Quoted premium is inclusive of GST for ₹ 5 lacs (Gold Variant) Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)

Top Up / Combo

¹Health Recharge: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions. *Quoted premium is inclusive of GST for ₹ 95 lacs sum insured with ₹ 5 Lacs deductible with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi

²Aspire Max (Aspire + Health Recharge): (1) The benefits and limits will vary as per the sum insured and variant opted. Aspire Max is a combination of two Products (Aspire and Health Recharge). Terms and Conditions of the respective products will apply as per the sum insured offered.*Premium shown are for Aspire (5 Lakhs Sum Insured (Titanium+ Variant) and Health Recharge with ₹ 95 Lakhs Sum insured with ₹ 5 lakhs deductible . Policy Tenure: 1 Year and location Delhi. These are inclusive of GST & in ₹.

³Max Saver(Reassure2.0 + Health Recharge): The premium is including taxes and for Base Sum Insured of ₹ 5 lacs from ReAssure 2.0 Bronze and ₹ 95 lacs from Health Recharge with a policy tenure of 1 year, for a 25-year-old individual living in Delhi.

Specific Needs

²Accident Care: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.*Quoted premium is inclusive of GST for ₹ 5 lacs sum insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi.

³Criti Care: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.*Quoted premium is inclusive of GST for ₹ 5 lacs sum insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with one time payout option.

⁴Corona Kavach: Premium shown is for Sum Insured ₹ 50,000 for a period of 3.5 Months for an insured aged 18 Years living in Delhi. Premium including GST.(1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint.

Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa.

Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.

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Health Insurance Plans

Why Choose Niva Bupa?

Custom Health Insurance Plans designed for You

Key Benefits of Health Insurance Plans in India

Cashless Medical Treatment:

Post and Pre-Hospitalisation Coverage:

No claim bonus:

Medical Checkup Facility:

Co-payment

Quick Links

Network Hospital

Family Health Insurance

Claim Settlement Ratio

Premium Calculator

Best Insurance Plans

How does Our Claim Process work?

Hospital Admission:

Identification:

Pre-authorisation:

Niva Bupa Confirmation:

Final Settlement:

Notify Us:

Gather Documents:

Submit Your Claim:

Claim Review:

Reimbursement:

What is Health Insurance?

Health Insurance Myths

Myth 1: Health insurance is unnecessary for the young and healthy.

Myth 2: Health insurance covers all healthcare costs.

Myth 3: Group coverage eliminates the need for an individual health insurance plan.

Features You Should Know About

How to Choose the Right Medical Insurance Plan?

Types of Health Insurance Plans in India

Individual Health Insurance Plans

Family Floater Health Insurance Plans

Senior Citizen Health Insurance Plans

Fixed Benefits with Niva Bupa Medical Insurance

Cashless Medical Treatment

Pre and Post-Hospitalisation Coverage

No Claim Bonus

Medical Check-Up Facility

Co-Payment with Health Insurance Policy

Knowing all About Inclusions & Exclusions

Understand Eligibility for Health Insurance

Choosing the Best Health Insurance Plans in India

Why Do You Need Health Insurance?

Features of the Health Insurance Policy

Things to Consider Before Buying a Health Insurance Plan in India

1. Coverage and Benefits

2. Network Hospitals

3. Waiting Period and Pre-existing Conditions

4. Premium and Affordability

5. Claim Settlement Ratio

Factors Influencing Health Insurance Premiums

Determining Health Insurance Premiums

Save Tax with a Medical Insurance Policy

Factors to Consider When Choosing the Right Medical Insurance Plan?

Why Should You Compare Health Insurance Plans Online?

Why Choose Niva Bupa?

1. High Claim Settlement Ratio

2. Cashless Hospitalisation Across India

3. Customisable Plans for Every Need

4. 24x7 Customer Support

5. Affordable and Transparent Pricing

Health Insurance Claims

Documents for Health Insurance Claim Reimbursement

Who are Third Party Administrators in Health Insurance?

TPA

Scope Of Work for a TPA

Role/Importance Of TPA

Customer Service

Cashless Service

Claims Processing

IRDAI Amendments

How to Buy Health/ Medical Insurance Policy Online?

Step 1 : Discover a World of Insurance Options

Step 2 : Delve into Plan Details

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