Introduction to Niva Bupa annual health check-up
With good health comes great things, and a long & happy life. No wonder, healthy individuals stay more productive than unhealthy ones. But how do you know you're healthy or not? The answer is simple. By going through a full body (profile) health check-up and a legit diagnostic procedure.
However, safeguarding yourself with a regular preventive health check-up may seem like an additional financial burden. To save you from this dilemma, there comes the role of a health insurance policy. It's always a wise decision to get a health plan that covers your annual health check-up for free (or, included in the base plan, without any extra cost).
This article on Niva Bupa annual health check-ups discusses why you need a plan with preventive health test coverage, how can you apply for it, and much more. Read further to know more about the same.
Why do you need to avail of Niva Bupa annual health check-ups?
Read below the benefits of buying a health insurance policy with coverage for free annual health check-ups:
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Detection of potential disease
Niva Bupa health insurance free health check-up promotes the recognition of any disease even before it impacts you. Hence, minimizing the risk of any upcoming medical severity.
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Helps stay healthy for a long time
Going through an annual or regular health check-up inspires you to maintain a healthy lifestyle, work out regularly, eat healthy, and reduce/quit unhealthy habits.
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Helps avoid the stress
If you have a health insurance plan that offers you preventive annual health check-up coverage at no additional cost, it saves you from stressing out about future health complications.
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Chances of affordability increase
Full body medical examinations can cost you a hefty amount, and sometimes it's not easily accessible by everyone. In such scenarios, a health insurance policy with free annual health check-ups can cover you all year round.
List of free health check-ups under Niva Bupa Health Insurance
Free medical check-ups are subject to the annual health check-up coverage in your policy schedule. However, here's a generic list of the free medical diagnostics under the Niva Bupa (priorly, Max Bupa) health insurance policy:
- Blood count
- Urine test
- Fasting blood sugar
- Chest x-rays
- Lipid profile
and others.
How can I apply for Niva Bupa free health check-up?
To avail of the Niva Bupa free health check-up, you must determine if your plan offers a base coverage for it. Most individual or a family floater health plan provides annual health check-up coverage for free. However, you must check this criteria as several plans specify an annual or preventive health check-up clause with additional and pre-set charges. Also, the policyholder must keep a record of the plan's expiry from when they are not eligible to avail of any preventive diagnosis.
The scope of free annual health check-ups under NivaBupa health insurance plans is discussed below:-
- Contact your insurer or you can directly visit the nearest offline branch of the company where you have to raise your query for health check-ups
- Call the insurer to ask about scheduling an appointment for the medical tests a/c your time and type of hospital, along with other preferences
- You'll get a pre-authorization letter from the company after which you need to visit the hospital for diagnostic tests (along with the health card issued by your insurer).
- After tests, you will receive the reports of your check-up
If the medical tests are done at a networking hospital, the cashless settlement will work for the insured (if the coverage aligns with policy terms)
Similarly, if you've received this diagnostic test at a non-service providing centre/non-networking hospital, your health check-up expenses will be reimbursed by the insurer (only if it's mentioned in your policy wording).
Niva Bupa Health Insurance plans with coverage for annual health checkups
Below are some of the plan under Niva Bupa Health Insurance that provides free annual health check-ups:
- NivaBupa Aspire Start Young
- NivaBupa ReAssure 2.0
- NivaBupa Health Premia
- NivaBupa Senior First policy
- NivaBupa GoActive Individual health plan
- NivaBupa Health Pulse
- NivaBupa Heart Beat insurance plan
To know more, go to the official website of NivaBupa Health Insurance. You can also reach out to their customer care at 1800 309 3333/1860 500 8888 or email at customercare@maxbupa.com.
If you still need help, reach out to the customer care of PolicyX.com. Or you can directly contact our expert insurance advisors at 1800-4200-269.
Explore Other Plans by Niva Bupa Health Insurance
Niva Bupa Health Insurance Company offers several tailored health plans, which are designed to serve you in the best way. Take a look
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
- Covers a maximum of 6 members
- Unlimited SI restoration
- Coverage for modern treatments
Health Reassure Plan (Pros)
- Booster benefit
- Organ donor transplant
- ReAssure
- Live Healthy Benefit
- Second Medical Opinion
Health Reassure Plan (Cons)
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- No Suicide Cover
- No War Injury Cover
Health Reassure Plan (Other Benefits)
- Air Ambulance
- Hospital Cash
- Personal Accident Cover
- Domiciliary hospitalization
- Day care treatment
Health Reassure Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
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
- No room rent capping
- 20% no-claim bonus on SI
- 100% SI restoration
Health Companion V2022 (Pros)
- 5% Doctor Discount
- 10% Family discount
- Tenure Discounts of upto 15 %
- Annual Aggregate Deductible
- Home Care Treatments
Health Companion V2022 (Cons)
- No OPD Cover
- No Maternity Cover
- Cosmetic Surgery Uncovered
- Specific Diseases after 2 yrs
- No Alcoholism Cover
Health Companion V2022 (Other Benefits)
- Air Ambulance
- Modern Treatments
- Vaccination on Animal Bite
- Organ Donor Benefit
- Domiciliary treatments
Health Companion V2022 (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
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
- No room rent capping
- Up to 100% of SI restoration
- 20% No Claim Bonus
NivaBupa Health Pulse (Pros)
- Optional benefits available
- 150% Refill Benefit
- Annual Health Checkup
- Emergency Ambulance
- Living Organ Donor Benefit
NivaBupa Health Pulse (Cons)
- Conflict and Disaster cases
- 20% co-payment
- No Maternity Benefit
- Cosmetic surgeries
- Treatment for Alcoholism
NivaBupa Health Pulse (Other Benefits)
- Operation Theatre Coverage
- Modern Treatments
- Personal Accident Cover
- e-Consultation
- Daily Hospital Cash
NivaBupa Health Pulse (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 25 L
- Waiting Period - 30 Days
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
- Early age enrolment discounts
- Annually 10 OPD consultations
- No room rent capping
NivaBupa Go Active (Pros)
- Pharmacy and Diagnostic Services
- Domiciliary hospitalization
- Personal Accident Benefit
- Refill Benefit
- Daily health coaching
NivaBupa Go Active (Cons)
- Maternity Benefit Not available
- Adventure Sports not covered
- HIV/AIDS not covered
- Cosmetic Surgery Not Covered
- War Injuries not covered
NivaBupa Go Active (Other Benefits)
- Behavioural Assistance Program
- Alternate Treatment
- I-Protect option to increase SI
- 2 % ICU Cover (per Day)
- No Room Rent Sub Limit
NivaBupa Go Active (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 4 L to 25 L
- Waiting Period - 30 Days
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
- Up to 200% of SI as NCB
- Up to 150% of SI restoration
- Unlimited e-consultation
NivaBupa Super Saver (Pros)
- Day 1 Health check-up
- No pre-issuance medical tests
- Ambulance cover up to Rs 2000
- ReAssure Benefit
- No sub-limits
NivaBupa Super Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Super Saver (Other Benefits)
- Air Ambulance Cover
- Health Checkup
- Organ Donor Benefit
- Ayush Benefit
- Room selection Option
NivaBupa Super Saver (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
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
- No room rent capping
- Unlimited E-consultation available
- Pharmacy and diagnostic services
NivaBupa Health Recharge (Pros)
- Loyalty Additions up to 50%
- Pharmacy and Diagnostic Services
- Personal Accident Cover
- Easy Plan Convertibility
- Day Care Treatments Coverage
NivaBupa Health Recharge (Cons)
- Maternity Treatment not covered
- Pre-existing Diseases not covered
- Alcoholism not covered
- Dietary Supplements not covered
- No COVID-19 cover
NivaBupa Health Recharge (Other Benefits)
- Intensive Care Unit charges
- Domiciliary treatment
- HIV / AIDS Treatment Covered
- Artificial Life Maintenance Benefit
- Room Rent (per day) Up to 1%
NivaBupa Health Recharge (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2 Lakh - 95 Lakh
- Waiting Period - 30 Days
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
- Global coverage available
- Child education benefit
- Permanent Disability Cover
- Funeral Expenses
- Accidental OPD
- Adventure Sports Cover
- Elderly Care Cover
- Burns Cover
- No Alcohol Ailment Cover
- No Cosmetic Surgery
- No Obesity Surgery
- No Suicide Cover
- No War Injury Cover
AccidentCare (Other Benefits)
- Air Ambulance
- Broken Bone/Fracture
- Head & Spinal Injury
- Marriage Expenses for Children
- Comatose Cover
AccidentCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 5l
- Waiting Period - 30 Days
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
- 100% SI restoration
- Unlimited e-consultation
- No room rent capping
NivaBupa Money Saver (Pros)
- All Day Care Procedures covered
- Accumulated Bonus
- 100% Refill Benefit
- 20% cumulative bonus
- Organ Transplantation Covered
NivaBupa Money Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Money Saver (Other Benefits)
- Road Ambulance Cover
- Alternate Treatment
- Pharmacy and Diagnostic Services
- Hassle-Free Claims
- Pre & Post Hospitalisation
NivaBupa Money Saver (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 10.5 L to 1 Cr
- Waiting Period - 30 Days
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
- Coverage for modern treatments
- Multiple co-payment options
- Unlimited SI restoration
NivaBupa Senior First (Pros)
- 3 Variant Available
- No pre-issuance medical tests
- Day 1 Health Check-up
- Safeguard (Add-on)
- Day Care Treatment
NivaBupa Senior First (Cons)
- No Critical Illness Cover
- 50% Co-payment
- No Specific Diseases Covered
- No Pre-existing Disease Cover
- Self Inflicted Injuriesnot covered
NivaBupa Senior First (Other Benefits)
- ReAssure Benefit
- Domiciliary Hospitalization
- Organ Donor Benefit
- Ayush Benefit
- Annual Aggregate Deductible
NivaBupa Senior First (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
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
- Booster+ Benefit
- Lock premiums at entry age
- Health check-ups from day 1
Health ReAssure 2.0 Plan (Pros)
- Personal accidents covered
- Acute Care
- Emergency Ambulance
- Three Plan variants
- Home Care Treatments
Health ReAssure 2.0 Plan (Cons)
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- Pre-Existing Diseases after 3 yrs.
- Alcoholism not covered
Health ReAssure 2.0 Plan (Other Benefits)
- Air Ambulance
- Modern Treatments
- Second Opinion
- Booster Benefit
- Shared Accommodation Benefit
Health ReAssure 2.0 Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Suraksha Plan
Niva Bupa Saral Suraksha Bima
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
- Large Sum Insured
- High sum insured
- Up to 50 % Cumulative Bonus
Saral Suraksha Bima (Pros)
- Accidental Death Covered
- Pay Rs 296 monthly as premium
- Education Grant to children
- Temporary Total Disablement
- Hospitalisation due to an accident
Saral Suraksha Bima (Cons)
- No Maternity Benefit
- No Disablement Claims
- War Injuries not covered
- Accident through intoxication
- COVID-19 death not covered
Saral Suraksha Bima (Other Benefits)
- 30-minute cashless claims
- Paperless Reimbursement
- Road Ambulance Covered
- Emergency Treatment Covered
- Hassle Free Renewal Process
Saral Suraksha Bima (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2.5 L to 1 Cr
- Waiting Period - 30 Days
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
- Ventilator Expenses Included
- PPE Kit expense Included
- Covers ICU Charges
Niva Bupa Corona Kavach (Pros)
- Home Care Treatment Expenses
- Hospitalisation Coverage
- Pre and Post Hospitalisation
- Hassle-free Claims
- AYUSH Treatments Coverage
Niva Bupa Corona Kavach (Cons)
- OPD and Day Care Treatment
- Evaluation and Investigations
- Rehabilitation
- Dietary supplements
- COVID Claim
Niva Bupa Corona Kavach (Other Benefits)
- Coverage for Parents & PILs
- Coverage for Dependent Children
- Road Ambulance Covered
- Hospital Daily Cash
- Spouse Cover Available
Niva Bupa Corona Kavach (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 50 Thousand to 5 Lakh
- Waiting Period - 30 Days
Maternity Plan
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
- Maternity Cover
- International coverage
- In-Built travel insurance
NivaBupa Health Premia (Pros)
- Refill benefit for any illness
- 10% Loyalty Additions in SI
- Tenure Discounts of upto 15 %
- Worldwide Maternity Benefit
- In-patient care
NivaBupa Health Premia (Cons)
- No OPD Cover
- No HIV/AIDS Covered
- 20% co-payment
- Pre-existing Diseases after 2 yrs
- Treatment for Alcoholism
NivaBupa Health Premia (Other Benefits)
- Zonal Coverage available
- Pharmacy and diagnostic services
- Opt for additional features
- Living Organ Donor Benefit
- Premium waiver and portability
NivaBupa Health Premia (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Maternity Plan
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
- Maternity & New born coverage
- No room rent capping
- 10% increase in SI annually
NivaBupa Heart Beat (Pros)
- Additional Coverage
- 10% Loyalty Benefit
- Annual Health Check ups
- Refill benefits
- Coverage out of hospitals
NivaBupa Heart Beat (Cons)
- Obesity Treatment not covered
- Hazardous Activities not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
NivaBupa Heart Beat (Other Benefits)
- OPD Consultations
- Alternative Treatments
- New Born Baby Cover
- Pharmacy and diagnostic services
- No WP up to 45 years
NivaBupa Heart Beat (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Niva Bupa Health Insurance Network Hospital List
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.
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