Niva Bupa Health Insurance
Niva Bupa Health Insurance offers comprehensive medical coverage with cashless hospitalization, critical illness cover, and wellness benefits. Get financial security with flexible plans and hassle-free claims.
Quick
Cashless
Effective
Tax Benefit
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What is Niva Bupa Insurance?
Niva Bupa Health Insurance stands as the top medical coverage company in India where they deliver complete protection against medical costs through their diverse range of insurance plans. Before it became Niva Bupa the company operated as Max Bupa while building its reputation for prioritizing customer needs and delivering health insurance solutions. Millions of customers across India trust Niva Bupa for its innovative services and top-level customer service.
Interesting facts:
- Niva Bupa won the Best Standalone Health Insurer at Mint BFSI Awards 2023
- It provides health insurance plans that provide greater personalization and adaptability than other providers in India.
- The company creates special health programs that encourage members to live well by giving them better benefits.
Health Insurance Plans for Niva Bupa
| Plan Name | Sum Assured Limits |
| Health Companion | ₹2 lakh – ₹1 crore |
| ReAssure 2.0 | ₹5 lakh – ₹1 crore |
| Health Premia | ₹5 lakh – ₹3 crore |
| Health Plus (Top-Up Plan) | ₹2 lakh – ₹95 lakh |
| Senior First | ₹5 lakh – ₹25 lakh |
| CritiCare (Critical Illness Plan) | ₹1 lakh – ₹2 crore |
| AccidentCare (Personal Accident Plan) | ₹5 lakh – ₹2 crore |
Why Choose Niva Bupa for your health insurance needs?
Selecting a suitable health insurance company protects both your money and body. Niva Bupa succeeds because of superior claim processing rates along with many hospital facilities and personalized service.
Key Reasons to Choose Niva Bupa health Insurance
- Cashless Treatment: Customers can access healthcare treatment at 10,000+ network hospitals without paying upfront.
- High Claim Settlement Ratio: Hassle-free claim process with low rejections.
- Customizable Plans: Various options that match specific individual, family, and elderly requirements.
- No Room Rent Cap: Multiple room options without any restrictions
- Pre- and Post-Hospitalization Cover: Niva Bupa pays for healthcare before and after your hospital stay.
- Comprehensive Family Floater Plans: Cover your entire family under one family floater plan
- Wellness Programs and Preventive Healthcare: Stay fit and earn rewards through their wellness checks and health programs.
Pro Tip: Niva Bupa supports OPD services which lets you receive medical treatments including doctor appointments pharmacy prescriptions and diagnostics at no direct cost to you
Key Features of Niva Bupa Health Insurance Plans
- Lifetime Renewability: Customers can keep their policies active throughout their lives.
- Coverage for Critical Illnesses: Financial protection in the form of lump sum upon diagnosis of critical illness
- Domiciliary Hospitalization: Coverage for treatments done at home
- AYUSH Treatment: Coverage for alternative therapies like Ayurveda, Yoga, and Homeopathy.
- Maternity Benefits: Coverage for childbirth and new born
- Organ Donor Coverage: The policy provides coverage for medical expenses that arise from organ donation procedures.
- Hospital Daily Cash Benefit: Financial assistance for other expenses incurred during hospitalization.
Benefits of Choosing Niva Bupa Health Insurance
- Tax Benefits: Premium payments under Section 80D of the Income Tax Act qualify for tax breaks.
- Hospitalization Without Paperwork: Cashless claims enable hospital admission without requiring paper documentation.
- Preventive Health Check-ups: People who sign up for Niva Bupa receive one check-up per year to help them stay ahead of their health issues.
- Wellness Rewards: Accumulate wellness reward points through your healthy lifestyle combined with Niva Bupa wellness programs usage.
- No-Claim Bonus (NCB): Increase your sum insured without increase in premium for every claim free year
- Emergency Medical Evacuation: Get coverage for medical transportation in the event of sudden medical emergency
Interesting Fact: The ReAssure plan from Niva Bupa provides policyholders with unrestricted options to restore their sum insured multiple times when making claims throughout a policy year
Inclusions and Exclusions in Niva Bupa Health Insurance Claims
| Inclusions | Exclusions |
| In-patient hospitalization expenses: Covers hospital stay and medical costs. | Pre-existing diseases: Covered only after the specified waiting period. |
| Pre- and post-hospitalization expenses: Medical costs before and after hospitalization. | Cosmetic surgeries: Not covered unless medically necessary. |
| Daycare treatments: Coverage for procedures not requiring 24-hour hospitalization. | Self-inflicted injuries: Injuries due to intentional harm or suicide attempts. |
| Ambulance charges: Expenses for ambulance services up to a defined limit. | Treatments for drug or alcohol abuse: Excluded from coverage. |
| Organ donor expenses: Covers expenses related to organ donation. | War injuries: Any injuries sustained due to war or conflicts are not covered. |
| Alternative treatments (AYUSH): Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments are covered. | Injuries due to hazardous activities or adventure sports: Not covered under standard policies. |
| Critical illness coverage: Available under select plans for life-threatening diseases. |
How to Apply for Niva Bupa Health Insurance through Fincover?
- Customers can easily and rapidly apply for Niva Bupa health insurance through Fincover.
- You can find Niva Bupa health insurance at Fincover.com by accessing the health insurance section.
- Your next move should be to evaluate different plans until you identify the one that matches your requirements the best.
- Enter the required personal information with medical background information and coverage specifications you need.
- Select Niva Bupa health insurance add-ons with critical illness coverage if necessary.
- Policyholders can use an online payment platform at Make Payment Online to receive instant policy issuance.
- You can receive your policy documents through email while accessing your policy anytime from your computer.
What are the Documents Required for Claim Processing?
| Document Type | Details |
| Filled Claim Form | Duly completed claim form as per insurer’s format. |
| Policy Copy | A copy of the health insurance policy document. |
| Doctor’s Prescription & Treatment Details | Medical advice, prescriptions, and treatment plan provided by the doctor. |
| Hospital Discharge Summary | A summary of the hospitalization, diagnosis, and treatment given. |
| Bills & Payment Receipts | Original hospital bills and proof of payment for medical expenses. |
| Investigation Reports | Laboratory test reports, X-rays, MRIs, or other medical evaluations supporting the diagnosis. |
| KYC Documents (Aadhaar, PAN, etc.) | Identity verification documents required for claim processing. |
| Bank Details for Reimbursement Claims | Canceled cheque or bank account details for reimbursement settlement. |
How to Download Niva Bupa Health Insurance Policy?
- Users must either log into the official Niva Bupa website or access Fincover
- Access your digital policy through the ‘Download Policy’ button.
- The PDF document can be saved for future access as a backup.
Pro Tip: Save your policy digitally as a PDF through email or cloud storage as you can retrieve it any time
Niva Bupa Health Insurance Network Hospitals
Niva Bupa connects its patients to more than 10,000 network healthcare facilities throughout India to provide standard medical services across the nation. Medical emergencies become less stressful for patients because of the hospitals which offer cashless treatment options.
How to Find a Network Hospital?
- Customers can access Niva Bupa content through its website along with the Fincover portal.
- Users can find network hospitals by entering their city location or PIN code information in the system.
- Check for the nearest hospital and validate if it offers cashless services.
- Always bring your health card alongside an ID when seeking medical care at hospitals.
How to File a Niva Bupa Health Insurance Claim?
Cashless Claim Process:
- Report your hospitalization to Niva Bupa insurance providers before a hospital stay reaches 24 hours.
- At the network hospital submit the pre-authorization form.
- Hospital & insurer coordinate for approval.
- Patients can receive treatment without cash while completing minimal paperwork
Reimbursement Claim Process:
- Pay your hospital expenses in full during your treatment before retrieving all your relevant documents.
- Send in your claim request together with hospital bills and associated medical reports.
- The insurance company will process your claim which they will subsequently transfer to your bank account.
How to Calculate Niva Bupa Health Insurance Premium?
Health insurance premiums amounts depend on how old you are along with your coverage level and the optional features you select. The Fincover’s Health Insurance Premium Calculator allows users to estimate their coverage costs. Factors affecting premium:
- Age of insured
- Medical history
- Sum insured amount
- Additional riders (critical illness, maternity, etc.)
- Lifestyle habits (smoking, alcohol consumption, etc.)
FAQ on Niva Bupa Health Insurance
1. How long does Niva Bupa Health Insurance require the patient to wait before covering pre-existing medical conditions?
The duration of the waiting period extends between two to four years according to plan details.
2. Does Niva Bupa cover COVID-19 treatment?
Standard health plans in the market include coverage benefits for hospitalization expenses related to COVID-19 infections.
3. Is it possible to purchase health insurance for my parents through Niva Bupa?
Senior citizens have access to policies designed specifically for them through Niva Bupa Health Insurance.
4. What should I do if I fail to renew my policy when the time comes?
The insurance policy enables a 30-day grace period for renewals. Make sure you renew within the grace period else you risk losing several benefits including coverage
5. Is there a no-claim bonus available at Niva Bupa Health Insurance?
Your sum insured gets increased automatically through no-claim bonus while remaining free of additional expenses.
Niva Bupa Health Insurance Plans
Health Companion Plan
ReAssure 2.0 Plan
Health Premia Plan
Health Plus (Top-Up Plan) Plan
Senior First Plan
CritiCare (Critical Illness Plan)
AccidentCare (Personal Accident Plan)
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Individual Health Insurance
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Family Floater Health Insurance
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Senior Citizen Health Insurance
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Critical Illness Health Insurance
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Maternity Health Insurance
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Group Health Insurance
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Top-up Health Insurance
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Personal Accident Health Insurance
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Hospital Daily Cash Health Insurance
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Cashless Health Insurance
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1 Crore Health Insurance Plan
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Cashless Health Insurance
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10 Lakhs Health Insurance Plan
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Unlimited Health Insurance Plan
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50 Lakh Health Insurance Plan
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International Health Insurance Plan
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Hospital Daily Cash Plans
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