Secure Your Parents with Niva Bupa Health Insurance
Niva Bupa health insurance for parents is a must-needed insurance investment to secure the peace of mind and healthcare interests of your parents. It will help them spend the rest of their lives with extended coverage like regular health check-ups, daycare treatments, personal coaching to relish a healthy lifestyle, round-the-clock medical assistance, and much more.
Most importantly, Niva Bupa's parents health insurance comes with a varied sum insured coverage of a whopping INR 1, 2, 3 Crores and above. Also, with the family floater plans of Niva Bupa health insurance, you get coverage for modern medical treatments, advanced surgeries, and so on. Read further about why you should buy a health insurance policy for your elderly parents, what are the eligibility criteria, and some of the best Niva Bupa health plans for parents.
Benefits of Niva Bupa Health Insurance for Parents
Are you getting stuck on why you need health insurance for your parents? Know more about how getting health insurance for your parents will impact their health in a good way:
Healthcare Coverage
Your parents will receive comprehensive care with pre and post-hospitalisation, domiciliary treatment, daycare procedures, diagnostic tests, health check-ups, emergency ambulance, and furthermore.Peace of Mind
You can rest assured that your parents are safeguarded without making any extra effort, as their insurance policy will cover all their healthcare requirements. They can get extended medical care with health insurance, even after their retirement.Financial Safety
You need not be worried about financial lagging or any insecurity related to losing your money on medical expenses. The insurer will take care of any healthcare assistance that your parents require.Tax Benefits
You can get your parent’s health secured with a health insurance policy. Along with this, you can avail of a tax exemption benefit over your payable taxes under Section 80 D of the Income Tax Act, 1961.
Best Niva Bupa Health Insurance Plans for Parents
Check out some of the best health insurance plans for your parents offered by Niva Bupa
- Niva Bupa Senior First (for senior citizens)
- Niva Bupa ReAssure 2.0
- Niva Bupa GoActive
- Niva Bupa Health Premia
- Niva Bupa Aspire
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
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
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
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
This plan is designed for youngsters and allows the policyholder to go overseas for treatments.
Unique Features
- Exclusive maternity benefits
- Adoption is included
- Borderless facilities
Niva Bupa Aspire Plan (Pros)
- Overseas treatment coverage
- Booster benefit
- Covers organ donor transplant
- Second medical opinion
- Teleconsultation
Niva Bupa Aspire Plan (Cons)
- No suicide cover
- No war injury cover
- Baby food & utility charges excluded
- Laundry charges excluded
- No certificate charges
Niva Bupa Aspire Plan (Other Benefits)
- 4 unique variants of the plan
- Cash-bag benefit
- WellConsult OPD Wallet
- Cashless claim settlement
- AYUSH Treatment
Niva Bupa Aspire Plan (Eligibility Criteria)
- Entry age - 18 years
- Max entry age - No AgeLimit
- SI - INR 3L to 1 Cr
- Waiting Period - 30 days
Note:- These plans come with a family floater option that secures health interest for you and your family (including parents)
Distinct Features of Niva Bupa Health Insurance for Parents
Niva Bupa health insurance company (formerly Max Bupa) provide several other kinds of health policies for parents, that you can buy for them and secure their healthcare interests. Read below the features of Niva Bupa health insurance for parents:
Hospitalisation Cover
Choose a health plan that provides financial security with hospitalisation expenses before and after getting hospitalised for treatment.Daycare Operations
Health insurance that is good for your parents will cover their daycare treatment expenses like varicose veins, and cataract surgery, which require hospitalisation for less than 24 hours. Choose a plan that provides more daycare procedures within the base policy (or, with an optional cover).Covers Alternative Treatment
Niva Bupa health insurance for parents covers AYUSH (Ayurveda, Yoga therapy, Unani, Siddha, and Homeopathy) treatment as well, which makes sure they’re attended well with a therapeutic health need.Pre-existing Conditions (PEDs)
Your health insurance can cover PED conditions such as diabetes, heart disease, dialysis, and others. Given that, you buy the best health insurance plan that covers PEDs with a shorter waiting period.Major conditions
Significant medical treatment including open heart surgeries, cancer-related treatment, and bariatric surgeries can be covered within the policy inclusions (if optional covers, add-ons, and base health policy are paired the right way).Renewability
Niva Bupa parents health insurance provides lifelong renewability with health plans like ReAssure 2.0, Health Premia, GoActive, and others. Getting a health policy with lifelong renewability ensures extended medical care for your parents for years to come.All-time Customer Support
Niva Bupa health insurance customer care executives are always up for assistance of any kind. You or your parents can call their toll-free customer care number 1800 500 8888 round the clock or raise an immediate query at seniorcitizensupport@nivabupa.com.
Eligibility Criteria for Niva Bupa Parents Health Insurance
Read here the eligibility criteria for buying Niva Bupa health insurance for parents:-
| Entry age (Max) | Below 60 years (There’s no bar for the maximum age limit but parents who have passed 60 years of age are eligible to buy senior citizen plans) |
| Policyholder’s age | 18 years (the policyholder must be eligible to buy health insurance for their parents) |
| Pre-existing conditions | PEDs are covered after a waiting period |
The maximum entry age may vary from plan to plan. The accurate eligibility criteria are subject to your policy document.
Inclusions (optional) of Niva Bupa Health Insurance for Parents
There are several plans of the Niva Bupa health insurance for parents that come with exclusive coverage benefits such as:
In-patient hospitalisation
Out-patient hospitalisation
Domiciliary or home care treatment
Annual/preventive health check-up
Exclusions of Niva Bupa Health Insurance for Parents
Exclusions of Niva Bupa health insurance for parents may vary from plan to plan, so you must check it in the policy document. However, here are some of the standard exclusions (what’s not covered) under the same have been given for reference:
Cosmetic/ beautification treatment
HIV/AIDS, and STD conditions
Attempt to suicide or self-threat
Diagnostic tests (except, those specified in your policy document)
War injuries, participation in riots/war-like situations, etc
Hearing aids (unless specified in your policy documents)
Vision treatment, dental care, physiotherapy, etc (except, conditions mentioned in the policy)
Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company
How to Claim Niva Bupa Parents Health Insurance
Learn here the steps of claiming your Niva Bupa health insurance for parents:
- Step 1: Claim Intimation
Inform your TPA of Niva Bupa health insurance if you have a planned hospitalisation condition. However, in case of an emergency hospitalisation, you must inform the insurer within 24 hours of getting hospitalized.
- Step 2: Document Submission
Submit the carefully filled and undersigned claim form along with the policy documents and other details like medical reports, doctor’s prescriptions, hospital bills, discharge summary (in case of reimbursement) and others.
- Step 3: Approval upon Verification
If all the details sent by you are found correct and align with the policy coverage, the insurer will initiate the claim settlement procedure to verify the authenticity of your claim.
- Step 4: Cashless or Reimbursement Settlement
If you have received the treatment at a networking hospital, the insurer will settle all the medical bills with the hospital directly. In the case of getting treatment in a non-networking hospital, your insurer will reimburse your medical bills as per the terms of the policy.
Insights
Buying a suitable Niva Bupa health insurance policy for your parents will save you and your parents from any future complications. It’s better to invest in a health policy that serves all the family members under a single policy, including your parents. It’s always a wise decision to buy health insurance that comes with a sum insured option of a minimum of INR 1 Crore or above.
To buy a family floater plan, or a senior citizen health insurance plan (if the age of your parents exceeds 60 years) from Niva Bupa, connect with the experts of PolicyX.com. Dial 1800 4200 269 or send an email to helpdesk@policyx.com
Explore Niva Bupa Health Insurance
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.
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
