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Trip Cancellation

Trip Cancellation

Coverage for financial loss incurred due to cancellation of trip before its onset

Emergency in-patient Medical treatment

Emergency in-patient Medical treatment

Covered up to sum snsured

Destination Specific Plans

Destination Specific Plans

Separate plans for Asia Pacific region, Europe, USA & Canada and worldwide

Hospital daily cash allowance

Hospital daily cash allowance

Up to $50/day

What is Travel Insurance?

Travel insurance is a type of insurance that is custom-made for people going on domestic and international travels. It addresses the various risks that one may face during travels, including hospitalisation, medical expenses, loss of luggage or documents, cancellation or disruption of flights, and various other costs. Travel insurance covers you from the date of departure till your arrival back at the place of origin. For frequent fliers, a travel plan that remains effective for a certain period is more suitable as it covers multiple travels during the policy period.

    How to Buy Travel Insurance Plan?

    You can buy a travel insurance policy online or by visiting the insurer’s office. While applying online, you need to fill in the basic details like dates of travel, traveler details, coverage required, etc. Then you receive the quote, based on which you can select the travel insurance policy that suits your requirement. There are different types of travel plans customized for different travel needs. These include corporate, single, family, senior citizen, or student travel plans. You can purchase a travel plan that suits you the best. You can also buy travel insurance plans from insurance brokers and agents. However, ensure that they are licensed by the Insurance Regulatory and Development Authority of India. It is worth noting that you may be eligible for discounts if you buy a travel insurance plan online directly from the insurer.

      Why choose Niva Bupa Travel Insurance Policy?

      Niva Bupa is one of the leading insurance providers in India, offering unique and comprehensive policies which cover the diverse needs of Indian travellers. With coverage for dozens of risks, Niva Bupa’s policies offer cashless claims for medical expenses and compensation for other covered incidents. With an expanding list of covered destinations, Niva Bupa ensures that your travels are safeguarded wherever you go. So buy travel insurance online from Niva Bupa and get the best coverage against numerous risks.

        When to Buy Travel Insurance?

        If you plan to embark on multiple trips, you should buy a travel plan in advance to cover all the upcoming trips. Even in the case of a single trip, buying a travel plan in advance is advisable. Typically, it could be on the date of booking the tickets or a few days after that. You can also buy travel plans at the last minute. But you may miss out on crucial coverages. For instance, travel insurance offers cancellation coverage. But you will miss out on the same if the cancellation happens before the policy start date. In other words, buy your travel insurance well in advance to avail all benefits.

          Why Buy Travel Insurance Policy?

          Some of the common reasons that make a travel insurance important are:

          • People are more prone to medical problems in a foreign land, be it within India or overseas, due to changes in food habits and environmental reasons.
          • Travel insurance helps tackle such circumstances with ease.It protects in case of baggage losses at airports and theft or travel scams in many tourist destinations.
          • Travel insurance protects the policyholder in the event of flight delay or cancellation. It protects you in the event of natural calamities, man-made disasters, flight hijacking, etc. Student travelers can also opt for study interruption coverage in their travel plans.
          • Travel insurance may cover fatalities and repatriation of mortal remains.
          • Travel insurance is a mandatory requirement in more than 30 countries. It is a prerequisite for visa processing while travelling to these countries.

          Who Should Buy a Travel Insurance Plan?

          While it is mandatory to have travel insurance before visiting certain countries, people travelling to any country, in general, should buy a travel insurance plan. Along with, it is advisable for the following travelers to buy a travel insurance plan: Individual travelers and families Senior citizens - because of their higher medical susceptibility Corporate travelers can cover their travel risks while travelling on behalf of their organization Students can buy student-specific travel plans with longer validity People travelling in groups can insist on the purchase of travel insurance by their tour organizer Domestic travelers can buy travel plans designed to cover travel risks within the country

            What’s Covered Under Niva Bupa's Travel Insurance?

            Niva Bupa offers extensive coverage, protecting travellers from various risks they might be exposed to while travelling.

            • Delay or loss of checked-in baggage This travel insurance coverage offers reimbursement for significant delay or loss of checked-in baggage.
            • Missed connecting flight This coverage under travel insurance reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to a late primary flight.
            • Loss of Passport This coverage reimburses you for the cost of applying for a new passport if the original is lost.
            • Dental Treatment This travel insurance coverage reimburses pain-relieving dental treatment under anaesthesia. However, this coverage is only applicable in cases of emergency, such as accidents and sudden acute pain.
            • Trip delay, cancellation, interruption These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, cancelled, or interrupted due to certain conditions mentioned in the policy document.
            • Medical emergency (hospitalisation): This travel insurance coverage offers cashless claims and reimbursement for the cost of medical treatment.
            • Emergency outpatient treatment This travel insurance covers and reimburses any emergency treatment under OPD
            • Medical evacuation This coverage offers cashless claims and reimburses the cost of transferring patients from one hospital to another if the primary hospital does not provide appropriate care
            • Emergency trip extension If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to $20,000
            • Personal accident This coverage offers a payout of up to the benefit limit as per the selected plan for accidental death or disability.
            • Repatriation of mortal remains This coverage reimburses you for the cost of transporting the mortal remains of the traveller or the cost of cremation in the city/country of death.

            Niva Bupa offers these coverages bundled in curated plans for each country, offering specific coverage options. When considering these plans, remember that some covers may require specific criteria to claim them, so it is advised to properly read the policy document to understand whether you fulfil these criteria.

            What’s Not Covered Under Niva Bupa's Travel Insurance?

            Exclusions are specific risks and activities that an insurance provider does not cover. If a policyholder incurs a loss due to participating in such activities, their claim might be rejected. These exclusions are clearly stated under the travel insurance policy document and thus need to be considered when purchasing a policy. By considering these exclusions, travellers can accurately plan their journeys and take adequate measures to protect themselves from these risks. Here is a list of activities and risks which Niva Bupa does not cover.

            • These include treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
            • Active participation in military exercises, war games, or engagement with the enemy.
            • Any loss or injury due to committing or attempting to breach the law with criminal intent
            • Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document
            • Maternity expenses
            • Non-prescription or unproven drugs or treatments
            • The provision of fitting of hearing aids, spectacles or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
            • If the insured person is travelling against the advice of a Doctor or is receiving or on a waiting list for specified medical treatment
            • Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
            • Countries with travel restrictions for Indians.
            • Medical Tourism
            • Damages due to adventure sports unless part of coverage
            • Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

            However, remember that this list is just a summary of the exclusions, and the policyholder needs to refer to the policy document for the complete list. It is always vital to check the policy document before participating in an activity that can result in financial loss or harm policyholders’ well-being.

            Features of Travel Insurance in India

            The following are some of the features of Niva Bupa Travel Insurance:

            • Extensive coverage- Plans under travel insurance cover a diverse range of risks. These risks include trip delay, interruption, cancellation, loss of checked-in baggage, medical emergencies, personal accidents, medical evacuation, etc
            • Pre-existing disease coverage- Niva Bupa offers 100% pre-existing disease coverage for student travellers as an add-on, allowing them to study with peace of mind. Travellers with single-trip travel insurance policies are also covered for pre-existing diseases up to 5% of the total sum assured, up to a maximum of US $2500.
            • No pre-policy check-up- Plans offered under TravelAssure require no pre-policy check-up, offering convenience and peace of mind.
            • Simple and intuitive purchase process- Niva Bupa offers a simple and intuitive way to purchase policies directly from our website.
            • Sum assured- Niva Bupa offers a total claim limit of up to US $500,000 for single-trip policies and student travel policies.
            • COVID-19 coverage- TravelAssure plan comes with coverage against hospitalisation expenses resulting from COVID-19.
            • Hassle-free claims process- Niva Bupa offers cashless claims for medical expenses and compensation for loss borne due to other covered risks.
            Hospitalisation
            Standout Features
            Add-on Features
            Exclusions

            Get the most value from TravelAssure

            Extend Policy Period and Coverage
            Hassle-free Claims
            Extend Policy Period and Coverage

            Extension of the Policy Period for a Single Trip Policy

            In order to extend the policy, policyholders can apply for an extension by contacting Niva Bupa’s customer care center or online by paying their premium and submitting all the required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension. Customers can also extend the geographical coverage of their policy by paying an extra premium.

            Contact Details for extending coverage

            Niva Bupa Health Insurance Contact No: 1860-500-8888; Fax No.: 011-41743397 Customer Service Portal - Insta Assist (https://rules.nivabupa.com/customer-service/)

            Types of Travel Insurance Plans in India

            There are various types of travel insurance plans offered by insurers in India:

            • Basic Travel Policy: These plans cover basic travel risks that most insurers provide. The premium amount is comparatively low due to the limited coverage.
            • Comprehensive Travel Policy: Comprehensive plans offer a host of optional covers, like medical expenses or repatriation of mortal remains, many insurers may not provide. etc. Notably, Niva Bupa Travel Insurance offers over 40 travel-related covers, including the ones mentioned above.
            • Single Trip: One-time travelers can buy this policy before or after booking their tickets. This policy remains applicable for the duration of that trip.
            • Multi-trip: If the policy buyer has several trips planned for the year, they can opt for a multi-trip policy that offers coverage for a specific period instead of the trip duration. Frequent fliers opt for this plan to avoid buying plans repeatedly.
            • Student: Students can buy a travel plan that offers coverage for the study duration. Covers like sponsor protection and study interruption can be opted for to make the plan more student-friendly.
            • Policy buyers can opt for a single, family, group, or any other plan as per their requirements.

            How to Claim Niva Bupa Travel Insurance

            When faced with unexpected travel expenses due to emergencies, travellers need to get a simple and hassle-free claim experience. By following the given steps, travellers can request a claim with Niva Bupa:

            • To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
            • You may also contact the global third-party administrator if you are travelling overseas.
            • No requirement for pre-policy medical check-ups.
            • You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.
            • You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

            Besides this, one can make two types of claims in the case of a medical emergency.

            Cashless claim:

            Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

            1. The customer intimates the claim to Europ Assistance via a toll-free number or email.
            2. The TPA - Europ Assistance will contact the customer and provide them with the required travel insurance details.
            3. Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
            4. Europ Assistance will ask for the documents from the hospital or the customer and, after assessing the claim, will send them to Niva Bupa for approval/rejection/query/investigation.
            5. Our medical team will approve the claim by e-mail.
            6. The GOP will be released to the hospital as per the amount claimed.
            7. The hospital will contact the Europ Assistance team if any additional amount is required.
            8. At discharge, documents will be sent to Europ assistance and approved accordingly.
            9. After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.
            Reimbursement Claim
            Intimation of Reimbursement ClaimChannel
            Phone (with Call back Facility)+91 (0) 22 6787 2092
            Email Addressnivabupa@europ-assistance.in
            Postal Address to Send Physical DocumentsEurop Assistance India Pvt. Ltd.
            7th Floor, Star Hub, Bldg No. 2
            Near ITC Maratha Hotel, Sahar, Andheri (East), Mumbai-400 059.
            +91 22 6787 2092
            Basic Information at the time of Claim intimation is to be provided by the customer1.Name of the insured
            2.Policy No.
            3.Date of Birth
            4.Email Address
            5. Local Contact Number
            Claim related information1.Nature of loss (Brief narration of loss)
            2.The coverage under which the claim is sought.
            Claim Amount ConfirmationClaim amount with detailed bifurcation
            Important Note: All claims are indemnity; only upon receipt of complete documents along with bills and receipts of payment will claim admissibility be decided; hence, all claim-related supporting documents must be submitted after the claim is registered. For the documents required, please refer to the policy wording document and the claim procedure, which will be sent after a claim is registered.
            Important Note: All claims are processed according to the policy benefits, terms and conditions. The final decision on any claim will be made after all the documents are received and assessed.
            Mandatory Documents Required for Reimbursement Claims
            1. 1. Claim form
            2. 2. KYC
            3. 3. Cancelled cheque of the proposer
            4. 4. Discharge summary
            5. 5. Final bill along with break up
            6. 6. Payment receipt
            7. 7. All investigation reports

            Eligibility Criteria for Travel Insurance

            The various eligibility criteria for Niva Bupa Health Insurance's TravelAssure plan include:

            • Adults should be between the age of 18 and 70
            • Dependent children can be up to the age of 25
            • Travelers must possess and furnish mandatory documents like copies of passport, visa, income proof, and other relevant papers

            Considerations Before Buying Travel Insurance Policy

            Some of the factors that you need to consider before buying a travel insurance policy are:

            • Duration: If you are planning to travel again, it is advisable to opt for a long duration multi-trip travel insurance plan. If your single trip is for a longer duration, the premium will be higher, so plan your trip accordingly.
            • Nature of the Trip: Choose the plan as per the nature of your trip. Someone planning to do sky diving would have different optional covers compared to someone travelling to attend business meetings.
            • Sum Assured: Estimate your travel risk and finalize your sum assured accordingly. The higher the sum assured, the higher will be the premium.
            • Optional Covers: Go through the list of covers available and select judiciously. Selecting unnecessary covers will only escalate the premium.
            • Exclusions: There may be specified circumstances or conditions where the travel insurance is not applicable. Always familiarize yourself with the exclusions before buying the travel plan.

            COVID-19 Coverage

            Due to the global scale of the COVID-19 pandemic, most leading insurance companies offer COVID-19 specific coverages in their travel plans. Niva Bupa TravelAssure provides COVID-19 hospitalisation coverage up to the sum assured. Accordingly, if you are infected or test positive for COVID-19 during your overseas stay, the travel insurance plan will bear the cost of your treatment and hospitalisation. In almost all countries, a COVID-19 infection leads to the applicability of strict isolation rules and gets addressed as per their SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.

              Frequently Asked Questions

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              First-time premium shown is calculated on the base sum insured (Rs 5 lacs for Health Companion, Heartbeat, Health Premia, Health Pulse and GoActiveTM, Rs 10.5 lacs for Money Saver, and Rs 10 lacs for Health Assurance) of an individual aged 25 residing in Delhi NCR region. The premium changes as per the product features selected and the insured details you submit on the website.

              Terms and conditions apply, please refer to the brochure for complete details.

              Base premium is calculated for Health Companion for an individual aged 25, residing in Delhi NCR. The premium amount is illustrative only and it may vary over the period depending on the type of product, features/add-ons selected, changes to product version, inflation rates, and underwriting decision of the company.

              Aspire max: Premium in inclusive of GST and calculated for a 25-year-old individual living in Delhi with 5 Lacs Aspire Sum Insured (Gold+ variant) and 95 Lacs sum insured from Health Recharge (with 5 Lacs Deductible)

              Aspire product Premium: Premium in inclusive of GST and calculated for a 25-year-old individual living in Delhi with 5 Lacs Sum Insured (Gold+ variant)

              BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

              Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone.

              Avoid clicking on attachments / payment link received in mails / message from unknown sources.

              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.

              Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms.

              Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, 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.

              (8) Heart Beat: Quoted premium is inclusive of GST for INR 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)

              (11) Quoted premium is inclusive of GST for INR 5 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi, at Level 0 of “Favourable claim Discount