Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Navigating through claims can be a daunting task as this process involves intricate details, legal jargon, and specific documents. During a medical emergency, we do not want to waste our time processing claims. It is important to make a mindful decision when selecting an insurance provider, with a simple claim process. Niva Bupa understands the importance of hassle-free claims, which is why they have designed a convenient method of processing claims. Here is an overview of Niva Bupa Claim Processing:
The company has divided the process into four parts. Let us go through all of them one by one:
This claim process allows the policyholder to receive the treatment without paying the medical expenses right away. The insurance provider later settles the bill with the hospital directly. Let's proceed step by step through the process:
Step 1: Get admitted to the network hospital.
Step 2: Share the 'Health Card' and the policy details with the hospital authority or TPA, along with the ID proof of the policyholder. This step informs the company about the claims.
Step 3: After receiving the treatment, collect all the documents and submit them to the TPA along with the pre-authorization form.
Step 4: The TPA will verify the claim and forward it to the company. Then, the next verification will be done by the in-house claim team of Niva Bupa Health Insurance Company.
Step 5: After successful verification of policy details and the submitted documents, the company will send a notification for the approval of the claim through text message and email. Niva Bupa generally responds to the request within 30 minutes of filing the claim request.
Step 6: Now, the company will settle the claim with the hospital. This is the final step of the cashless claim settlement.
Through this procedure, the policyholder is free to choose a hospital even if it is not on the network hospitals list. The customers pay for the expenses upfront, and the company then reconciles the account with the policyholder. Lets us walk through the process :
Step 1: Receive the treatment from any of the non-network hospitals, and intimate the company about the claim. Policyholders can contact the customer support of the company to inform them about the claim.
Step 2: After treatment, pay the amount and collect all the documents such as discharge bills, pharmacy bills, reports, and other essential documents.
Step 3: Send all the documents to the company along with the claim form, valid ID proof, and age proof. Mail the document to the head office of Niva Bupa Health Insurance Company.
Step 4: The company will verify all the details and documents.
Step 5: After successful verification of the claims, the company will notify the policyholder.
Step 6: Finally the company settles the claim by transferring the amount, to the bank account of the customer.
OPD (Outpatient Department) is the treatment in which the patient visits the hospital for a minor procedure that does not need an overnight stay. In addition, Niva Bupa Health Insurance provides reimbursement for OPD. Let us now take a closer look at this process:
Step 1: Login by the 'My Account' option, locate the 'OPD' tab, and click 'Raise a Claim'.
Step 2: The company will ask to look for the doctor in the search section.
Step 3: Find the search result and click on 'Raise a Claim', against the name of the doctor, with whom you availed the OPD services.
Step 4: Fill out the health claim form correctly, enter all the details about your bank account, and upload all the mentioned documents on the form.
Step 5: Finally, the company will review the insurance claim. And then on successful verification of the details, a query will be raised for the claim settlement.
Niva Bupa Health Insurance provides financial compensation for the expenses incurred during the diagnosis of any disease. Lets us take a closer look at the process:
Step 1: Login in by clicking on the 'My Account ' option, locate the 'Annual Health Checkup' tab, and click on 'Reimbursement Claim'.
Step 2: A form will now open. Enter the important information like the correct bill, bank details and upload the document for the same. Now click on 'Submit'.
Step 3: Niva Bupa's claim processing team will review all the documents submitted and subsequently approve the claim if no issue is found.
Step 4: Then the company finally settles the claim, by transferring the compensation amount to the policyholder's bank account.
A few documents that are essential in order to submit a health insurance claim:
Niva Bupa Health Insurance Company offers a user-friendly claim process. With reimbursement and cashless claims, they provide comprehensive coverage for medical expenses. Niva Bupa Health insurance company has a prompt verification and settlement procedure, which develops more confidence in the policyholder towards the company. Niva Bupa's commitment to providing top-notch customer satisfaction makes it a reliable health insurance partner.
Niva Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
Critical Illness
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
Comprehensive Plan
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
Suraksha Plan
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
Corona Plan
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
Comprehensive
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
Comprehensive
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
Comprehensive
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
Affordable
An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.
Unique Features
Claim forms and pre-authorization forms can be downloaded from the official website of the company.
For planned hospitalization, policyholders must inform the company 48 hours before being admitted to the hospital. In case of emergency hospitalization inform them within 24 hours of admission in the hospital.
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Raghoba Phadke
Guwahati
April 8, 2024
PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.
Akshat R Verma
Allahabad
April 8, 2024
PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.
Akash Banerjee
Pune
April 8, 2024
The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.
Sarthak Parmal
Delhi
April 8, 2024
I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.
Trishna Rohilla
Bengaluru
April 8, 2024
I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...
Sunaina Khanna
Ahmedabad
April 8, 2024
All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents
Babita Thapa
Allahabad
April 8, 2024
I had some reimbursement claim queries related to the Niva Bupa Aspire policy, the customer support team of PolicyX understood my requirement and they stood by me to get the claim.
Ritu Mandotkar
Guwahati
April 8, 2024
I lost my grandmother because my family did not have so much wealth or savings to get her treatment done. But I decided to buy health insurance for my parents and now I feel relieved because my...
Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.
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