Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for health insurance premium for self and dependants. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is different from the exemption of Rs 1,00,000 under Section 80 C). These benefits are as per prevalent applicable tax laws. We advise you to consult your tax advisor for further details or clarifications.

The Annual Insurance Cover amount is the maximum amount payable during the year in the event of one or more claims. It is also known as ‘sum insured’ and ‘sum assured’. The premium of the policy is also dependent on the annual insurance amount that you choose.

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

Mediclaim is a type of health insurance. However some health insurance policies can be more comprehensive than mediclaim , as they cover more health benefits.

There are various ways in which you can purchase this policy: Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup. While all our plans including Heartbeat and Health Assurance are available for purchase through this mode, our online special plan Health Companion Health Insurance Plan - Health Companion can be bought only through this mode. Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1800 3010 3333 (Toll Free) between 9 am and 6 pm India time (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment. Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

Yes, foreigners residing in India can surely be covered under a health insurance policy. However, the coverage will be applicable within India only.

To view multiple policies under the same login ID and password, please follow these simple steps.
1. Login with your ID / password.
2. Go to ‘My Account’.
3. Click on ‘Attach Policies’ and enter your Policy Number and Date of Birth. Click on ‘Add Policy’.
4. Your policies will now appear under the same login ID and password.
Please note that it may take upto 24 hours for your additional policy to reflect in your account

Of course. You can cover your family residing in India under one policy. Your health insurance policy can be used by you all across India. For cashless facility, you need to do is check for a Niva Bupa network hospital near your place of residence. You can also get your claims reimbursed if you get treated at a hospital which is not in Niva Bupa’s hospital network

Naturopathy and homeopathy treatments are not covered under our Heartbeat Health insurance plans. Our coverage is available for allopathic treatments in recognized hospitals and nursing homes.

Yes, your Health Insurance covers all diagnostic tests like X- Rays, MRIs, Blood Tests etc. if they are associated with an insured person’s stay in the hospital. These tests must also have been conducted within a maximum of 30 days prior to hospitalization and/or 60 days post hospitalization or during hospitalization.In addition, we cover outpatient diagnostic tests if a specialist prescribes them and if you have chosen the Platinum Policy.

When you get a new health insurance policy, there will be a 90 day waiting period starting from the policy start date, during which period hospitalization charges will not be payable. However, this is not applicable to any emergency hospitalization occurring due to an accident. This 90 day waiting period is not applicable when the policy is renewed

While filling up your health insurance proposal form, you will need to provide details of any health conditions in your medical history so far. At the time of enrolment, you should be aware of any current medical conditions and if you are undergoing any treatment. We refer such health issues to our medical panel to differentiate between pre-existing and newly contracted conditions. Note: It is important to disclose any medical condition that you may have, prior to buying the health insurance policy. Insurance is a contract based on good faith and any willful non-disclosure of facts might lead to repudiation or rejection of a claim in the future.

MER : Medical Examination Report RUA : Routine Urine Analysis FBS : Fasting Blood Sugar TCHOL : Total Cholesterol GGT : Gamma Glutamyl Transferease HDL : High Density Lipoprotein TG : Triglycerides SCREAT : Serum Creatinine SGOT : Serum glutamic oxaloacetic transaminase SGPT : Serum glutamic pyruvic transaminase HbsAg : Hepatitis B surface antigen Hba1c : Glycosylated haemoglobin CBC : Complete Blood Count TMT : Exercise Electrocardiogram HIV1& 2 : Antibodies to human immunodeficiency virus (HIV) types 1+2 (Anti-HIV 1+2)

We have a network of hospitals all across India. Our Network Hospitals are those with whom we have a contract for cashless settlement of claims. This means, we settle directly with the hospital for expenses that are covered under your policy. You can search for a Network Hospital near you by using the network hospital search tool on this website. However, if you choose to go to a hospital outside our network, you will have to pay for the treatment and then re-claim the expenses from us for reimbursement. You may also have to pay an amount towards the cost of your treatment (a ‘co-payment’) depending on your plan.

If you cancel the policy, your cover will cease to exist from the date of cancellation of policy.

Most policies offer the benefit of treatment at home when: a) The condition of the patient is such that he cannot be moved to a hospital or b) There is no bed available in any of the hospitals and c) Only if it resembles the treatment given at the hospital/nursing home that is reimbursable under the policy. This is called domiciliary hospitalization and is subject to certain restrictions both in terms of the amount that is reimbursable as well as the diseases that are covered under it.