Niva Bupa Health Insurance

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Highlights
Claim Settlement Ratio89.46%
COVID-19 CoverYes
Inception2008
Incurred Claim Ratio54%
Network Hospitals4,500+
RenewabilityLifetime

About Niva Bupa Health Insurance

Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance), is a standalone health insurance company formed in 2008. True North and Bupa backed Niva Bupa Health insurance plans to become an Rs. 2,500 crore entity by the financial year 2021-22 by maintaining strong growth in the market. The insurer aims to provide financial assurance as well as healthcare access to its customers by focusing on customer centricity, product innovation, and digital capability.

The insurer offers a wide range of health insurance plans that cater to different requirements of individuals. It has affordable health insurance plans for everyone, including individuals, families, senior citizens, women, parents, self-employed people and children. Another highlight is that the insurance company is known for offering painless health insurance claims experience. As there are no third-party agents involved, hence the claims are settled directly. The insurance company has a network of more than 7,000 hospitals across the country where the insured can avail of cashless treatment. Besides, the insurer is committed to motivating its customers towards living a healthy life. For this, it has introduced various digital solutions such as Health App and AnyTimeHealth (ATH) Kiosks.

How to Purchase Niva Bupa Health Insurance Policy at InsuranceDekho?

At InsuranceDekho, you can purchase Niva Bupa Health Insurance plans online without any hassle. All you are required to do is follow these easy steps:

Step 1: Visit InsuranceDekho and click on the health tab.

Step 2: Select your Gender. Then enter your Name and Mobile Number. On the given number, you will receive an OTP (One Time Password). Please enter that.

Step 3: Select the time when you want to buy the health insurance policy and then click on ‘View Instant Quotes’.

Step 4: Choose the family members who you want to add along with yourself under the policy.

Step 5: Select the age of the family members you wish to include in the policy. Click ‘Continue’.

Step 6: Select your Email ID and City and click on the Submit and ‘View Quotes’ button. You will find various insurance plans displayed on your screen according to your selections. From them, choose the most suitable policy for yourself and your loved ones, as per your budget and other requirements.

Step 7: Select the policy term of the selected health health insurance plan, and pay the premium for the policy.

Buy Niva Bupa Health Insurance Plan Offline at InsuranceDekho

If you are unable to buy Niva Bupa Health Insurance online, then you can buy it offline as well. For this, you can get in touch with the customer care executives at InsuranceDekho on the toll-free number 7551-196-989 between 9:30 AM to 6:30 PM (Monday-Sunday). In case of further support, you can write to us at customersupport@insurancedekho.com.

Niva Bupa Health Insurance Plans

Niva Bupa Health Insurance offers several health insurance plans to the customers. These are listed below:

  • Niva Bupa Corona Kavach Policy: Niva Bupa Corona Kavach Policy is a short term policy that covers you for expenses arising due to treatment required on positive diagnosis of COVID-19. The policy comes with a short waiting period and covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, AYUSH treatment expenses, etc. People aged between 1 day and 65 years can be covered under this policy for sum insured options ranging between Rs. 50,000 and Rs. 5 Lakh in multiples of Rs. 50,000. You can buy this policy for 3.5 months, 6.5 months, or 9.5 months as per your budget and other requirements. Also, you can add up to 2 adults (including self) and 4 children under this policy.
  • Niva Bupa Health Premia Policy: Niva Bupa Health Premia Policy offers all round coverage to you and your family as per your requirements. The policy offers coverage for up to Rs. 3 crore on an individual or family floater basis. The policy comes in three variants, which are Gold, Silver and Platinum. All of these variants differ in terms of features and benefits. The policy offers cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, alternative treatments, emergency ambulance expenses, organ transplant expenses, etc. Also, it comes with several add-on covers which you can choose as per your requirement and budget. Some of the standout features of this policy are loyalty additions, maternity benefit, health check-up and refill benefit.

  • Niva Bupa Health Companion: Niva Bupa Health Companion Policy comes with smart features to cover you and your family against major healthcare expenses. The policy comes in 3 variants with sum insured options ranging between Rs. 3 Lakh and Rs. 1 crore. It covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, emergency ambulance expenses, domiciliary hospitalisation expenses, organ transplant, etc. The policy comes with add-on covers including hospital cash which you can choose as per your budget and requirement. Some of the standout benefits of the policy include No Claim Bonus, refill benefit, tax benefit, alternative treatments etc.
  • Niva Bupa Money Saver: Niva Bupa Money Saver is a combination of base and top-up plan that offer stronger protection to you and your family for sum insured of up to Rs. 1 crore. It offers the benefits of both Health Companion and Health Recharge Policy. It offers you cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation, organ transplant, daycare procedures, ambulance expenses, domiciliary hospitalisation expenses, etc. Along with the policy, you can buy add-on covers namely personal add-on covers, hospital cash, critical illness cover, by paying an extra premium.
  • Niva Bupa ReAssure: ReAssure is a comprehensive health insurance plan that covers individuals and families for various healthcare expenses. These include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, daycare treatments, domiciliary hospitalisation expenses, emergency ambulance expenses, etc. Some of the standout features of the policy include ReAssure, Booster benefit, tax benefits, health check-up, etc. There are 3 add-on covers that you can include in your policy, namely hospital cash, personal accident cover, and safeguard. You can include them by paying an extra premium at the time of buying the policy.
  • Niva Bupa Arogya Sanjeevani Policy: Niva Bupa Arogya Sanjeevani Policy is a standard health insurance plan launched by the IRDA for individuals and families to offer protection against major healthcare expenses. The policy is easy to understand and can be purchased by people aged between 18 years and 65 years. It comes with sum insured options ranging between Rs. 1 Lakh and Rs. 5 Lakh which you can choose as per your budget. The policy covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, ambulance expenses, AYUSH treatment expenses, daycare treatments, cataract treatment, plastic surgery and dental treatments necessitated due to a disease or an illness, etc. Another highlight of the policy is that it covers you for expenses arising due to hospitalisation because of COVID-19.
  • Niva Bupa Health Pulse: Niva Bupa Health Pulse Policy is easy on the pocket and good for your health, It comes in two variants with sum insured options between Rs. 3 Lakh and Rs. 25 Lakh. The policy covers you and your family for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, emergency ambulance expenses, organ donor expenses, daycare treatments, health check-up, etc. Some standout benefits of the policy include cover for alternative treatments, lifetime renewability benefit, tax benefits under Section 80D of the Income Tax Act, 1961.
  • Niva Bupa Health Recharge: Niva Bupa Health Recharge is an affordable top-up plan that covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, organ transplant expenses, daycare expenses, emergency ambulance expenses, etc. Along with the policy, you can include add-on covers for extra coverage. These include personal accident cover, critical illness cover, and annual aggregate deductible, as per your requirement. Some of the standout features of the policy include free look period, lifetime renewability benefit, tax benefits on the premium paid, etc.
  • Niva Bupa Criticare: Criticare Policy covers you against 20 critical illnesses, some of which include stroke, caneer, permanent paralysis of limbs, open chest CABG, first heart attack of specified severity, etc. The policy covers up to 2 adults and can be purchased for a term of 1 year, 2 years, or 3 years. If covered under the policy, you can also avail tax benefits under Section 80D of the Income Tax Act 1961, on the premium paid for it. Also, the policy is renewable for lifetime.
  • Niva Bupa Heartbeat: Heartbeat Policy offers comprehensive cover that comes in two variants namely Gold and Platinum, for sum insured options between Rs. 5 Lakh and Rs. 1 crore. The policy offers cover for several healthcare expenses, including in-patient hospitalisation expenses, domiciliary expenses, alternative treatments, emergency ambulance expenses, pre-hospitalisation and post-hospitalisation expenses, daycare treatments, etc. The policy comes with several add-on covers like hospital cash, e-consultation, personal accident cover, critical illness cover, and premium waiver. They are not mandatory to buy but offer extensive coverage at an affordable premium.
  • Niva Bupa GoActive: GoActive is a new-age health insurance plan for families that helps you access cashless OPD and diagnostic services. The family covers up to 2 adults and 4 children for several healthcare expenses including daycare treatments, OPD consultations, health coach, in-patient hospitalisation expenses, emergency ambulance expenses, health check-up, etc. Some of the standout features of this plan include early age advantage, organ transplant, i-protect (optional), and refill benefit. It comes with several add-on features that you can buy as per your requirement.
  • Niva Bupa SuperSaver Policy: SuperSaver Policy is an affordable combo that offers health insurance coverage of up to Rs. 1 crore. The policy comes at an affordable premium and can cover individuals as well as families. The policy can be purchased for 1 year, 2 years, or 3 years, as per the requirement. It covers you for several healthcare expenses including in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, emergency ambulance expenses, domiciliary expenses, daycare treatments, hospital accommodation expenses, etc. Some of the standout features of this policy include unlimited e-consultation, tax benefits on the premium paid, cover for modern treatments, lifetime renewability benefit, and multi-year discount.

What Is A Health Insurance Top-up Plan and A Super Top-Up Plan And Why Should I Buy It?

A top-up policy offers you additional coverage on your existing health insurance plan. This cover comes into the scene when the sum insured of your existing health insurance policy is not enough during a medical emergency. With a top-up policy, one can avail coverage for a single claim over and above the threshold limit, known as deductible. On the other hand, a super top-up plan allows you to get coverage on multiple hospitalisations. Top-up and super top-up health insurance plans are not mandatory to buy but are prefered by many as they are affordable and offer great benefits.

Niva Bupa Health Insurance offers a top-up plan as well as a super top-up plan namely Money Saver and Health Recharge respectively. Health Recharge Plan offers cover for sum insured options between Rs. 2 Lakh and Rs. 95 Lakh for various healthcare expenses including daycare treatments, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, organ donor expenses, etc. Whereas Money Saver is a combination of base and top-up plan that covers you for several healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, daycare treatments, emergency ambulance expenses, and expenses related to organ transplant, for sum insured options up to Rs. 1 crore. Both the plans come with several add-on covers which you can opt for as per your requirement. In short, both are reliable health insurance plans that can be purchased with a regular health insurance plan, for extensive coverage.

Why Choose Niva Bupa Health Insurance?

Niva Bupa Health Insurance offers several benefits to the policyholders, thereby making itself a preferred choice for many. Listed below are some of them:

  • Painless Health Insurance Claim Settlement: Niva Bupa Health Insurance offers a quick and easy claim settlement process to the insured. It includes a cashless hospital network, quick and convenient doctor consultations, and doorstep connect for diagnostics, and pharmacies. In cashless claims, the insurer offers benefits like direct claim settlement, 30 minutes cashless claim processing, and personal touch points. When it comes to reimbursement claims, the benefits offered include transparent reimbursement disbursal process and direct reimbursement payment.
  • Wide Network of Hospitals: Niva Bupa Health Insurance has a wide network of 7,000 hospitals where the insured can avail cashless treatments without any hassle. At these hospitals, you can avail either planned hospitalisation or emergency hospitalisation. Just that you will be required to inform the insurance company in advance within the stipulated time and you can avail benefits as per your policy terms and conditions.
  • High Claim Settlement Ratio: Health insurance policy is useful only if it offers you the benefits in case of a claim. Niva Bupa Health Insurance has a good Claim Settlement Ratio of 84.15% and 89.46% for the financial years 2018-19 and 2019-20. This shows that the insurance company is good at handling claims of the insured.
  • Awards And Accolades: Niva Bupa Health Insurance has won several awards and accolades, some of which include The Economic Times Best Brands 2019 award, The Super Brand 2019 award, ‘Technology Maturity’ award, etc. This shows that the insurer has gained popularity for the right reasons.
  • Health App: Niva Bupa Health Insurance has a Health App that enables the policyholders to book OPD appointments with doctors or at a pathology lab to undergo diagnostic tests, allows them to take e-consultations, get medicines at home, as well as give easy access to health insurance plans. The application was awarded the Best Tech for Health Category 2019, with the app crossing 1.5 Lakh downloads.

Benefits of Niva Bupa Health Insurance

You can avail of the following benefits if covered under a Niva Bupa Health Insurance plan:

  • 24*7 Online Assistance: Niva Bupa Health Insurance provides 24*7 online assistance to its customers through a chat box available on its website. It offers several quick service options that you can choose by commenting to enter the query. With this digital solution, you can easily chat with the experts and even request a call back and get assistance to find a suitable health insurance policy for yourself and your loved ones.
  • Lifetime Renewability Benefit: Under the health insurance plans offered by Niva Bupa Health Insurance, you can get lifetime renewability benefits. This means that you can continue to renew your health insurance policy throughout life by paying the required premium on time.
  • Portability Benefit: Niva Bupa Health Insurance plans offer portability benefits to the insured. This means that you can port to any similar Niva Bupa Health Insurance Plan if you are not satisfied with the existing one. This helps you to stay covered with the health insurance provider of your choice without losing any benefits that you were already availing.
  • Sum Insured Refill: Health insurance plans offered by Niva Bupa Health Insurance comes into force when the sum insured amount gets exhausted. Under this benefit, the policyholders are offered an extra sum insured equal to base sum insured for subsequent health insurance claims during a financial year.
  • Comprehensive Solutions: The insurer comes with comprehensive health insurance plans and innovative offerings that suit specific needs of various individuals. Some of these include GoActive plan, a comprehensive health insurance plan especially designed for fitness enthusiasts; Health Premia especially designed for large families who want top of the line care for their families; and Health Companion and Health Pulse Plans with several coverage benefits. The insurer also offers cover for personal accidents and critical illnesses.

Niva Bupa Health Insurance Claim Settlement Ratio

Health Insurance Claim Settlement Ratio is the percentage of the number of claims settled by the insurance company against the total number of claims received by it during a financial year. It is an indicator of how well an insurance company handles claims of the customers. As an aware health insurance policy buyer, you must use the Claim Settlement Ratio of an insurance company before buying any plan. Niva Bupa Health Insurance Company has been attaining an impressive claim settlement ratio over the last two years, which is one of the reasons that make the insurer a trusted one among the customers. Here are the Claim Settlement Ratios of the last two years of Niva Bupa Health Insurance:

Financial Year

Claim Settlement Ratio

FY 2018-2019

84.15%

FY 2019-2020

89.46%

(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

Network Hospitals of Niva Bupa Health Insurance

Every insurance company has tie-ups with several network hospitals across India where the insured can avail the covered treatment without paying anything at the hospital. These hospitals are known as network hospitals. An insurance company with a wide network of hospitals is a preferred choice for customers as it offers the convenience of avail cashless treatment at the hospital nearby their place. Niva Bupa has a network of more than 7,000 hospitals where cashless treatment is provided to the insured for the treatments covered under their health insurance policy.

Niva Bupa Health Insurance Policy Terms

There are several health insurance plans offered by Niva Bupa Health Insurance, which may differ in features and terms and conditions. However, some common policy terms of Niva Bupa Health Insurance plans are tabulated below:

Minimum Entry Age

91 days

Maximum Entry Age

No limit

Policy Renewal

Lifetime renewability benefit

Co-Payment

Niva Bupa Health Insurance comes with a co-payment of 20% on the basis of zonal pricing, if you choose a zone to get treated in areas such as Kolkata, Gujarat, Delhi-NCR, and Mumbai.

Renewal Premiums

Premiums to be paid at the time of renewal and subsequent continuation of the health insurance plan are subject to change without any prior notice.

General Waiting Period

A waiting period of 30 days is applicable starting from the date of commencement of the policy.

Niva Bupa Health Insurance Claim Process

Niva Bupa Health Insurance offers a quick yet smooth claim settlement process to the insured. The insurer settles claims in two ways namely cashless claims and reimbursement claims.

How to Avail Niva Bupa Health Insurance Cashless Claim?

The policyholders of Niva Bupa Health Insurance can avail cashless treatment at the network hospitals. The insurer has a wide network of 7,000 hospitals where if the insured avails treatment, the bill will be directly settled by the insurance company, as per the policy terms and conditions.

Listed below are the steps to raise a cashless claim with Niva Bupa Health Insurance:

Step 1: Inform the Insurer

You are required to inform the insurance company within 24 hour of admission at 1860-500-8888, in case of emergency hospitalisation. However, in case of planned hospitalisation, you are required to inform the insurance company at least 2 days in advance.

Step 2: Share Your Health Insurance Card

Share your policy number or Niva Bupa Health Insurance card along with a valid IF proof at the desk of the network hospital you wish to avail treatment in. You can find the list of Niva Bupa network hospitals at InsuranceDekho.

Step 3: Pre-Authorization Request

After identification, the network hospital will send a pre-authorization form to the insurance provider.

Step 4: verification Process

The claim settlement team of Niva Bupa Health Insurance will verify the details and documents that they received. If they want any more documents for better investigation, then they may ask for it.

Step 5: Claim Settlement

Once the formalities are completed, the insurance company will settle the bill directly at the hospital. Kindly note that this will not include any co-payment. Generally, Niva Bupa Health Insurance responds to the policyholder within 30 minutes of the claim request. However, in case the claim has been rejected, then you will be informed about the same with valid reasons.

How to Make Niva Bupa Reimbursement Claim?

In case you are unable to file a cashless claim, then you can file a reimbursement claim. In this case, you can pay for the treatment availed at the hospital (network or non-network hospital) and later claim for reimbursement for the same, from the insurance company. You can file for a reimbursement claim under Niva Bupa Health Insurance policy by following the steps given below:

Step 1: Inform the Insurance Provider

Intimate Niva Bupa Health Insurance about hospitalisation within 48 hours of hospitalisation or before discharge from hospital, whichever is earlier.

Step 2: Avail the Required Treatment

Avail the required treatment and pay for the hospital bills. Collect all the relevant documents from the hospital and share them with the insurer. These documents may include discharge summary, pathology test reports, medical invoices, etc.

Step 3: Submit the Claim Documents

Fill and sign the claim request form that you can get from the official website of Niva Bupa Health Insurance. Send the claim form with medical documents.

Documents Required For Niva Bupa Health Reimbursement Claim

Following are the documents required for reimbursement claim with Niva Bupa Health Insurance:

  • Valid ID proof
  • Letter from medical practitioner advising letter of hospitalisation
  • Prescription from medical practitioner for consultation, medicine, and medical tests
  • Invoices from pharmacies (original)
  • Hospital bills as well as discharge certificate duly signed by medical practitioner (original)
  • In case there is a police case, then First Information Report will be required
  • Post mortem report, if applicable

Step 4: Documents Verification

Your medical documents and claim request form will be reviewed by the respective team at Niva Bupa Health Insurance. The insurer may ask for more documents if required for further verification. If in case your claim request gets rejected, then the same will be conveyed to you with valid reasons.

Step 5: Claim Settlement

Once all your documents are verified, and the insurer finds them appropriate, then the insurer will approve your claim request according to the policy terms and conditions. The insurer will then reimburse the claim amount.

Niva Bupa Health Insurance Renewal Process

Niva Bupa Health Insurance plans come with a life of 1 year, 2 years, or 3 years, which you can choose at the time of policy purchase. After these intervals, you are required to pay the premium again, in order to keep the policy active. If you fail to do so, your policy will lapse and you will lose all the accumulated benefits such as waiting period benefits etc. here are the simple steps that you need to follow to renew your Niva Bupa Health Insurance policy:

Step 1: Visit the official website of Niva Bupa Health Insurance. Navigate to the health insurance page. Then open the ‘Health Insurance Renewal’ page.

Step 2: Select the policy that you want to renew.

Step 3: Fill in the basic information like existing policy number, date of birth, etc.

Step 4: Pick your renewal quote. Include add-ons, if you want to and the policy provides so.

Step 5: Make the payment online via secured payment gateway in a mode of your choice.

Niva Bupa Health Insurance Tax Benefits

Niva Bupa Health Insurance plans come with several coverage benefits. But apart from availing cover for several healthcare expenses, you can also avail tax benefits on the premium paid for these plans, under Section 80D of the Income Tax Act, 1961. To gain a deeper understanding of tax deductions, refer to the table below:

Situations

Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children

Parents

When the policyholder and parents are aged below 60 years

Rs. 25,000

Rs. 25,000

Rs. 50,000

When the policyholder and family members are aged below 60 years with parents aged above 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When the policyholder, family members, and parents are more than 60 years in age

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of the HUF (Hindu Undivided Family)

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-Resident Individuals (NRIs)

Rs. 25,000

Rs. 25,000

Rs. 25,000

Niva Bupa Health Insurance Premium Calculation

Niva Bupa Health Insurance plans not only differ in terms of coverage benefits, but also premiums. Premium is the amount that you are required to pay periodically, to avail policy benefits. Premiums for Niva Bupa Health Insurance plans depend on several factors explained below:

  1. Age: Age of the policyholder is a major factor that determines the premium for a Niva Bupa Health Insurance plan. It is said that you must buy a health insurance policy when young. The reason behind this is that the earlier you buy health insurance, the lesser premium you will be charged. But the more you age, the more prone you are to various illnesses, sicknesses, and diseases, which increases your health insurance premium.
  2. Body Mass Index (BMI): People with high Body Mass Index are more prone to illnesses than people with normal BMI. These can be cardiovascular ailments, diabetes, etc., the treatment of which is expensive. So, if someone has high BMI, then he/she will be required to pay a higher health insurance premium as it increases the liability for the insured, as compared to the person with normal BMI.
  3. Sum Insured: The sum insured is the total amount that you can avail benefits for under your Niva Bupa Health Insurance plan. The higher the sum insured you choose, the more coverage you can avail, therefore higher premium you will be required to pay. But it does not indicate that you should compromise on the sum insured to save premium. This is because the policy will be of no use if you are not able to avail benefits with sufficient sum insured when the need arises.
  4. Number of Members Covered: The higher the number of members covered under a Niva Bupa Health insurance policy, the higher premium you will be required to pay for the same. This is because you enjoy greater coverage in this case, which increases the insurer’s liability. Under Niva Bupa Health insurance plans, you can include your family members like a legally wedded spouse, dependent children, parents, parents-in-law, etc. on a family floater basis.
  5. Add-on Covers: Add-on covers are additional benefits that you can include under your Niva Bupa Health Insurance policy by paying an extra premium at the time of policy purchase. These add-ons are not mandatory to buy but you can include them for extra coverage. But if you do not opt for any add-on benefit, then your health insurance premium will be lesser than that of a person who does include them.

What Are The Inclusions of Niva Bupa Health Insurance Policies?

Niva Bupa Health Insurance plans cover you for the following healthcare expenses:

  • In-Patient Hospitalisation Expenses: Niva Bupa Health Insurance plans cover you for in-patient hospitalisation expenses which include room rent expenses, nursing, boarding expenses, medical tests, doctor’s fee, etc., for up to a specific limit.
  • Pre-Hospitalisation And Post-Hospitalisation Expenses: If covered under Niva Bupa Health Insurance plans, you can avail cover for pre-hospitalisation and post-hospitalisation expenses for 60 days and 90 days respectively.
  • Daycare Procedures: Daycare procedures are the ones that do not require 24 hours of hospitalisation, the reason may be any, including technological advancements. These include balloon sinuplasty, sinusitis, radiotherapy, chemotherapy, etc. Under Niva Bupa Health Insurance plans, you can seek cover for specific procedures like these.
  • Road Ambulance Expenses: Niva Bupa Health Insurance plans cover you for road ambulance expenses for up to a specific limit. These are the expenses arising due to transportation of the insured member to the nearest hospital during a medical emergency.
  • Domiciliary Hospitalisation Expenses: Niva Bupa Health Insurance plans cover you for domiciliary hospitalisation expenses that cover you for medical treatment availed at home due to unavailability of a hospital bed, as per doctor’s advice. Kindly note that the hospitalisation should be for at least 3 continuous days.

What Are The Exclusions of Niva Bupa Health Insurance Policies?

Niva Bupa Health Insurance plans do not cover you for the following healthcare expenses:

  • Hospitalisation For Investigation And Evaluation Purpose: Niva Bupa Health Insurance plans do not cover you for expenses arising due to hospitalisation solely for the purpose of investigation or evaluation. Also, the plans do not cover you for diagnostic expenses that are not related or not incidental to existing diagnosis and treatments that are excluded from the policy.
  • Rest Cure, rehabilitation and respite Care: If covered under Niva Bupa Health Insurance plans, you would not be able to avail coverage benefit for hospitalisation primarily for enforced bed rest and not any treatment. It also includes custodial care at home or in a nursing facility for personal care like help with activities of daily living like dressing, bathing, etc.
  • Obesity or Weight Control Treatments: Under Niva Bupa Health Insurance plans, you will not be covered for expenses related to surgical treatment of obesity that does not fulfil specified conditions, some of which include surgery to be conducted is suggested by the doctor, the insured is aged at least 18 years, the surgery or procedure conducted are supported by clinical protocols, etc.
  • Participation in Adventure Sports: Niva Bupa Health Insurance plans do not cover you for any treatment required due to participation in hazardous sports as a professional, such as paragliding, rock climbing, scuba diving, horse racing, hand gliding, skydiving, hand gliding, deep-sea diving, etc.

Kindly note that the inclusions and exclusions listed above are not restricted to any plan but may vary from one Niva Bupa Health Insurance plan to another.

Health Insurance Calculator

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Niva Bupa Health Insurance Plan List

Name of PlanSum Insured
Corona Kavach PolicyMin : 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsRs. 1 Lakh-Rs. 5 Lakh Get Quotes Now
Health Companion PolicyMin : 91 Days; Max: 65 Years3 Lakh - 1 Crore Get Quotes Now
Health Pulse Policy Min: 91 days; Max: 65 years3 Lakh - 25 Lakh Get Quotes Now
Health PremiaMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
ReAssure Policy Min : 18 Years; Max: 65 Years3 Lakh - 1 Crore Get Quotes Now
CritiCare PolicyMin: 18 years; Max: 65 years3 Lakh - 2 Crore Get Quotes Now
Heartbeat PolicyMin: 18 years; Max: No Limit5 Lakh - 1 Crore Get Quotes Now

Niva Bupa Health Insurance Top Up List

Name of PlanSum Insured
Health Recharge Policy Min: 18 years; Max: 65 years2 Lakh - 95 Lakh Get Quotes Now

Health Insurance Coverage Calculator

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Claim Process at Niva Bupa Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Niva Bupa Health Insurance User Reviews

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What users are saying
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    I recently bought Niva Bupa Health Insurance’s Arogya Sanjeevani Policy at InsuranceDekho. It is an easy...

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    Niva Bupa
    By Rahoul Mallik
    On: Oct 27, 2021
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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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