Niva Bupa Health Insurance

• Pre and post hospitalisation care
• COVID-19 coverage
• Ambulance expenses

• Expenses related to inpatient hospitalisation
• Day care procedures

What is not Covered in Niva Bupa Health Insurance?

Here is the list of exclusions under Niva Bupa Health Insurance plan:

• Any type of cosmetic surgery including Botox or plastic surgery

• Purchase of devices for external use such as:

• Hearing aid
• Artificial teeth
• Artificial limb
• Spectacles

• Veneers

• Dental treatment except conditions related to acute trauma or cancer
• Self-inflicted injury not covered

Note: Cosmetic surgeries excluding accidental injuries on body, surgery for burn, or treatment of cancer.

How to Apply for Niva Bupa Health Insurance Online?

To avail of Niva Bupa Health Insurance plans, follow these simple steps:

• Step 1: Visit the official website of Niva Bupa and select your gender.
• Step 2: Then, provide your personal details such as your mobile number and name.
• Step 3: An OTP will be sent to your registered mobile number. Enter the OTP.
• Step 4: Next, choose the date when you would want to purchase the plan.
• Step 5: Select 'View Instant Quotes' option.
• Step 6: Now, choose the family members you wish to add under the plan and enter their ages.
• Step 7: Tap on 'Continue' button. Then, specify your city, email address and select 'Submit and View Quotes' option.
• Step 8: Numerous insurance plans will be displayed on the screen. Choose a plan that fits your requirements and make payment.

What is the Eligibility Criteria for Niva Bupa Health Insurance?

The following are the eligibility criteria to apply for Niva Bupa Health Insurance plans:

• Entry age for an individual ranges between 18 to 65 years

• Individuals of 70 years are also eligible under specific conditions
• Children should be within 16 to 18 years
• Medical test may be needed under specific conditions
• Applicants must provide details about pre-exiting medical conditions

Note: 

• Post-natal and newborn babies are also covered under this plan
• Medical tests are not required for individuals below 45 years of age
• Favourable medical tests involved are urine test, routine blood test and major organ-related tests
• Non-disclosure of pre-existing diseases may impact the premium amount and trigger the waiting period

Documents Required for Niva Bupa Health Insurance

The following is the list of documents required to apply for Niva Bupa Health Insurance:

• Proposal form made between policyholder and insurers
• Passport-sized photograph
• Medical report if applying through online mode

Niva Bupa Health Insurance Policy Renewal Process

Here are the steps to renew your Niva Bupa Health Insurance policy:

• Visit the official website of Niva Bupa Health Insurance

• Visit the renewal page
• Select the renewal option of Niva Bupa Health Insurance
• Enter the plan details of the health insurance plan you have opted
• Policy premium amount will be displayed after entering the policy details
• Make your policy premium payment through credit card or debit card, or through NEFT

After completing the renewal process, the premium payment receipt will be displayed, which can be downloaded, and policyholder can take a print for future reference.

Niva Bupa Health Insurance Cashless Claim Process

The following are the steps to request for Niva Bupa Health Insurance cashless claim:

• For cashless claim, patient should be admitted to any of the network hospitals
• Provide the health card issued by the Niva Bupa Health Insurance to the hospital
• The pre-authorisation request form will be submitted to the company
• Conformation will be provided by the company after reviewing the claim request
• The claim will be directly settled by the company with the hospital after approval

Niva Bupa Health Insurance Reimbursement Claim Process

The following are the steps to request for reimbursement claims from Niva Bupa Health Insurance company:

• Insurance company to be informed within 48 hours of hospitalization or 24 hours in case of emergency.
• After initiation of treatment, bills to be paid by the policyholder.
• Initiate the reimbursement process by filling in the claim process.

• Submit the hospital bills, medical reports, discharge documents, prescription, and post-mortem report (if required) along with claim request form.
• After approval from the insurance company, reimbursement amount will be credited to the registered bank account.

Niva Bupa Health Insurance Plans

The following are the plans offered by Niva Bupa (MAX Bupa) Health Insurance:

• Niva Bupa ReAssure 2.0 Health Insurance: Comprehensive health insurance plan with sum assured value of Rs.10 lakh and offers three variants such as Platinum+, Titanium+, and Bronze+.
• Niva Bupa Health Companion Family Floater Insurance Plan: This is an affordable health insurance plan designed for nuclear families with policy term and sum assured ranging between one to years, and Rs.3 lakh to Rs.1 crore, respectively.
• Health Premia- Individual & Family Health Insurance Plan: Comprehensive health insurance plan with international coverage and availability of coverage amount in both individual and family floater form. Sum assured available in three forms, such as silver, gold, and platinum.
• Niva Bupa Heartbeat Insurance Plan for Individual: Comprehensive health insurance plan with maternity benefit under two variants such as Gold and Platinum and offers a sum assured value of up to Rs.1 crore.

• Niva Bupa GOACTIVE Insurance Plan: An active health insurance that covers diagnostic tests, OPD consultations, health check-ups, i-Protect benefits along with a coverage of up to Rs.25 lakh.
• Niva Bupa MoneySaver Insurance Plan: A combo of base and top-up plan with coverage of up to Rs.12.5 lakh along with in-patient care, alternative treatment coverage, hospital cash, and many other benefits.
• Niva Bupa SuperSaver Insurance Plan: A comprehensive family health insurance plan offering health coverage of Rs.1 crore at an affordable premium along with enhanced No Claim Benefits (NCB) and Refill benefits.
• Niva Bupa Senior First Insurance Plan: Health protection plan specially designed for senior citizens that comes with two options, Gold and Platinum, along with coverage of up to Rs.10 lakh and ambulance coverage of up to Rs.2000 to Rs.2.50 lakh.
• Niva Bupa Health Pulse Individual Health Insurance Plan: An affordable health insurance plan with two variants, Classic and Enhanced, with available coverage of up to Rs.10 lakh.

Niva Bupa Health Insurance Customer Care Details

Customers can reach out to the Niva Bupa insurance company at https://rules.nivabupa.com/customer-service/

Max Bupa Health Insurance Network Hospitals List

Niva Bupa Health Insurance covered a wide network of renowned hospitals, more than 3500 across the country. The network hospitals are situated in some of the significant Indian cities such as:

• Kolkata
• Delhi
• Mumbai
• Chennai

• Hyderabad
• Bengaluru
• Jaipur
• Lucknow
• Ahmedabad

• Pune

Customers can visit the official website and click on ‘Health Network’ option. After the page opens, enter the city name or the hospital name to search whether the hospital is under the empaneled list of medical centers under Niva Bupa Health Insurance plan.

To locate a network hospital near your home, select your state and city from the drop-down box on the online Niva Bupa Network Hospital Locator.

You will get a list of network hospitals with contact details instantly. Niva Bupa Health also has tie-ups with Agreed Network Hospitals where the insured members can avail cashless transactions and get package rates for identified procedures.

What are the Benefits of Niva Bupa Health Insurance?

The following are the benefits of Niva Bupa Health Insurance plans: 

• Seamless access to doctor consultation: Niva Bupa Health Insurance product ensures OPD treatment at the network hospital with over 2000 doctors. Policyholders can also avail themselves of effortless teleconsultations regarding wellness services and healthcare.
• Lifetime renewal facility: The lifelong renewal service offered by Niva Bupa Health Insurance plans provides quick and easy policy renewal facility. This facility also provides access to funds in case of any medical emergencies.
• Comprehensive insurance product: Niva Bupa Health insurance plans are comprehensive in nature and designed to suit the customer requirement.

• Health application for effortless tracking: Niva Bupa Health App is specially designed for the customers through which booking can be done for cashless OPD appointments with doctors or medical labs. This application also enables users to track the renewal status of their policies.
• Customer-friendly products and services: The Niva Bupa Health Insurance products are designed in a customer centric manner that ensures pre-authorisation of cashless claims within 30 minutes, direct claim settlement facility, and 24x7 customer service. The insurance provider has ‘point of care’ desk at the leading hospital that caters to the claim settlement procedures of the policyholders.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.