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.

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 IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

Keeping in mind that everyone’s health insurance requirements are different, Niva Bupa offers a host of comprehensive health plans that can be customised as per your need and budget. Our easy-to-use online premium calculator allows you to alter variables like the sum assured, coverage benefits, and add-on features to get a premium estimate. The process is simple and takes only a few minutes.  

Here’s how it works:

• Provide personal details such as your name, date of birth, mobile number, city of residence and email ID.
  
  
• Furnish additional details such as your reason for buying insurance (wellness, financial planning or family history) and annual household income. 
  
  
• Basis the information, our system will recommend the ideal insurance plan for you along with alternative options. 
  
  
• The features of the plan, inclusions and add-on benefits will be listed. 
  
  
• The ideal sum insured, along with the corresponding premium, will be listed. 
  
  
• You can click to increase or decrease the sum insured, and the estimated premium cost alongside will change on its own.

You also have the option of selecting add-on benefits such as hospital cash or safeguard benefit, etc., for a small additional fee, which will immediately reflect in the premium cost.

You need to visit your insurance company’s website such as Niva Bupa’s website and go on the ‘my policy page’ for your health insurance renewal.

- Fill in the required details/Login details - name, existing health insurance policy number, expiry date and registered mobile number.

- Check the policy details and the renewal premium.  

Customers are also provided with flexible payment options. You can pay via debit card, credit card, UPI or net banking.  

Alternatively, you can also call the official customer support number of your health insurance provider and request a renewal and payment link. Once the payment is made, a copy of your health insurance policy will be emailed to you. Some insurance providers also send a physical policy to your registered address, along with your health insurance card.

It is essential that you renew your policy before the expiry date. Ideally, you should do it 15 days in advance. Some health insurance providers offer a grace period of 30 days from the day of expiry, after which your policy will lapse. However, you will not enjoy insurance cover during this grace period. And if you let your policy lapse, you will lose the waiting period, and no claim bonus earned. 

You need to furnish a few essential documents when signing up for health insurance. 

Age proof

This is one of the most important documents at the time of purchasing a health insurance. Keep in mind that if you are buying insurance for your family members or purchasing a family floater plan, you must submit the age proof of all members to be insured. 

The following documents are accepted: 

- Passport

- Aadhaar card

- Driving license

- PAN card

- Voter’s ID

- Birth certificate

Identity proof

An identity proof document enables the insurer to verify your identity. 

You can submit any of the following documents:

- Passport

- Aadhaar card

- Driving license

- PAN card

- Voter’s ID

Address proof

This document is to confirm your place of residence. 

You can submit any of the following documents:

- Passport

- Aadhaar card

- Driving license

- Ration card

- Electricity bill

- Telephone bill

Additionally, you will also be required to submit:

- Passport size photographs

- Medical reports if the insurer needs to assess your health 

- Duly filled and signed insurance policy form

While these are few mandatory documents, based on the business model of the insurance company, some of them may request for additional documents.

The two main aspects that are considered when determining eligibility for health insurance are your age and current health. 

• The minimum age to get health insurance for your child is 15 days, going all the way up to 18 years. For adults, the entry age is 18 years, and the maximum limit is 65 years. Your premium heavily depends on your age. It is lesser when you are younger; hence, experts advise that people should get health insurance as soon as they are financially independent, i.e. in their early 20s.

• The second factor is your overall health. When you buy health insurance, there are chances that you may be asked to undergo a medical examination to determine your current health status. Normally, this is reserved for people above the age of 45. If you are under 45, you may just be asked to present a doctor’s certificate claiming a proof of good health. 

However, people of all ages are required to declare pre-existing conditions, if they have any. These can include diabetes, hypertension, asthma, high blood pressure, thyroid, etc. Having a pre-existing condition does not mean that you are not eligible for health insurance. You most definitely are. This information is important to identify the best suited plan and coverage for the customer. It is imperative that you tell your provider of your pre-existing conditions to streamline the process when you make a claim and to avoid falling under non-disclosure.

There are many different types of health insurance plans available that vary in premium, coverage, add-ons, critical illnesses, etc. Comparing them online helps you make an informed decision and find the one that best suits your needs and finances.  

Additionally, it is extremely easy to compare policies online as the information is presented in a simple and clear manner. You can click here to compare any three Niva Bupa plans at a time and see for yourself which one suits your needs. 

You can even get an approximate quote for the premium you’ll have to pay for each plan which further saves your time. All you have to do is fill in a few details such as your name, age, etc. 

Last and most importantly, it puts the power to choose in your hands. You can do your research and make your own health decisions, rather than simply going with what the agent tells you.

Many people are now opting for holistic treatment through traditional medical systems. To attend to such requirements of a policyholder, health insurance providers have realised the need to cover for traditional and alternative treatments such as Ayurveda, Unani, Sidha, and Homeopathy (AYUSH). Most of the health insurance providers such as Niva Bupa Health Insurance readily cover these treatments under various health plans like Health companion, Health Premia, ReAssure, etc

Do keep in mind that the benefit only kicks in after 24 hours of hospitalisation, and treatment must be availed at a government hospital, any institute accredited by the Quality Council of India, the National Accreditation Board of Health (NABH), Central Council of Indian Medicine (CCIM) or Central Council of Homeopathy (CCH).

Everyone has different health insurance needs. Keeping in line with the dynamic needs of customers, Niva Bupa offers a wide range of insurance plans to fulfill the needs of every customer. 

Here are some specific requirements and the corresponding insurance plan that will fulfil the need: 

• Covid-19: Getting supplementary coverage against the global pandemic has become imperative, and Corona Kavach covers both hospitalisation and home treatment for COVID-19.

• Family Coverage: If you are looking for an affordable health insurance plan for your entire family, ReAssure and Health Companion are ideal options for you. It covers all family members, with lifetime renewability, refill benefits and more.

• Mental health: Though all our plans cover mental health, however, the GoActive goes one step ahead and covers various well-being features such as a health coach and consultations with an empanelled counsellor for mental health issues, stress management, pre-marital counselling etc.

• International coverage: If you frequently travel abroad, then Niva Bupa’s Health Premia or Heartbeat are the ones to consider. They offer cashless insurance coverage within and outside India, including planned treatment abroad for various critical illnesses.

• Alternative treatments: Looking to adopt a more holistic approach to health and well-being, our plans such as Health Companion, Health Premia, Heartbeat, ReAssure, and Corona Kavach will have you covered for a host of non-allopathic treatment options as well.

Health insurance comes with a dual benefit for any policyholder. You secure your health while reducing your tax liability. With health insurance, you can claim a considerable amount as tax-deductible premiums paid toward your health insurance policy in a single year under Section 80D of the Income Tax Act.

In several scenarios, you are entitled to a variety of tax deductions thanks to your health insurance policy. There are as follows:

Scenario 1- Maximum tax deduction of ₹50,000/year

Securing yourself, your spouse, and your dependent children with a health insurance policy, you can claim upto ₹25,000 annually as tax-deductible premiums paid towards your policy. This is in the scenario that nobody in your family is over the age of 60. If you opt for a separate policy for your parents, you can make additional tax savings. In case, neither of your parents is 60 years or older, you can claim a separate deduction of upto ₹25,000 as tax-deductible premiums paid towards the policy each year.

Scenario 2- Maximum tax deduction of ₹75,000/year

Assuming nobody in your family health policy is over the age of 60, you can claim a tax deduction of ₹25,000 paid towards your health insurance as premiums each year. In a separate policy, you pay the premiums for your parents, at least one of whom is over the age of 60. For this policy, you can claim a separate deduction of upto ₹50,000 annually.

Scenario 3- Maximum tax deduction of ₹1,00,000/year

In your family floater health plan, if any member is over 60 years old, you can claim a tax deduction on upto ₹50,000 annually paid as health insurance premiums. In the second policy, you have to cover your or your spouse’s parents, you can avail of a separate deduction upto ₹50,000 since one or both parents is over the age of 60.