What is the eligibility criteria for health insurance?

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.

For family first- The female insured, in respect of whom a claim for maternity benefits is made must have been covered as an insured person for a period of 24 months of continuous coverage since the inception of the first policy, with maternity as a benefit. 

For family floater- The female insured, in respect of whom a claim for maternity benefits is made must have been covered as an insured person for a period of 24 months along with her legally married spouse since the inception of the first policy, with maternity as a benefit.

*Maternity cover available as per sub-limit of the plan

If the insured person is admitted in the hospital in a room category higher than their eligibility as specified in the product benefits table, then we shall only pay a pro-rated proportion of the total associated medical expenses (including surcharge or taxes thereon) in the proportion of the difference between the room rent actually incurred and the entitled room category.

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

Of course, you can cover your family residing in India under one policy. You can use your health insurance policy across India. For cashless hospitalisation, all you need to do is check for a Niva Bupa network hospital near your place of residence. You can also present your claim for reimbursement if you get treated at a hospital which is not a Niva Bupa network hospital.