Niva Bupa Health Insurance Overview
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a dedicated health insurance company offering a wide range of products. It is among the most reliable and trustworthy brands, supporting over 1 crore customers with access to more than 10,469 cashless network hospitals.
Niva Bupa Health Insurance Company Ltd. is a joint venture between the Bupa Group and Fettle Tone LLP.
Bupa, a UK-based healthcare services expert, has seven decades of experience and serves 50 million customers in over 190 countries. Fettle Tone LLP is an entity controlled and managed by True North, one of India's largest domestic private equity funds.
Key Highlights
Why Choose Niva Bupa Health Insurance?
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Comprehensive Coverage for Travellers
Niva Bupa health insurance plans offer benefits for frequent travellers, including healthcare in international countries and access to emergency ambulances.
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Access Healthcare on Your Fingertips
The Niva Bupa health insurance app allows you to file claim requests and check policy renewals conveniently from your mobile device.
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Connect with Your Health Insurer Anytime, Anywhere!
Niva Bupa provides 24/7 customer support for any planned or unplanned medical requirements, ensuring you can access plan features without limitations.
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Quicker Claim Process
Niva Bupa health insurance processes cashless claims within 30 minutes of filing, ensuring a smooth and quick experience for policyholders.
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Day 1 Coverage for Diabetes and Hypertension
Special health plans are available for illnesses like diabetes and hypertension, offering coverage from day one, which is often not included in regular health plans by other providers.
What is Covered By Niva Bupa Health Insurance?
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International Coverage
Multiple health plans offered by Niva Bupa cover you against hefty medical bills for treatments availed outside of India.
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Advanced Reproductive Treatments
Niva Bupa's plans can help with the costs of advanced reproductive treatments like IVF, which address infertility issues common in young couples.
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Travel The World Stress-Free
Travel health insurance plans by Niva Bupa cover medical emergencies and offer travel inconvenience coverage, including loss of baggage or passport.
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Wellness Benefits
Maintaining a healthy lifestyle and achieving daily step goals can earn you up to 30% renewal discounts on your health insurance plan.
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Optional Covers
With each Niva Bupa health insurance plan, you can add optional covers such as personal accident, critical illness, and international coverage.
What is Not Covered By Niva Bupa Health Insurance?
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Nuclear and Radiological
Injuries caused by nuclear and radiological immersion are not covered.
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Illegal Activities
Injuries resulting from involvement in unlawful and illegal activities are excluded.
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Drugs
Non-prescribed or unproven drugs or treatments are not covered.
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Adventure Sports
Injuries sustained during adventure sports are excluded unless specifically mentioned in the policy schedule.
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Weight Management
Treatments for obesity and weight reduction are not covered.
What Are The Different Waiting Periods In Niva Bupa Health Insurance Plans?
Various waiting periods are applicable across different plans offered by Niva Bupa Health Insurance. Let us discuss them:
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Initial Waiting Period
An initial waiting period of 30 days is applicable on all Niva Bupa Health Insurance plans, starting from the date of purchase.
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Pre-existing Waiting Period
Pre-existing diseases such as hypertension, diabetes, and others have a waiting period varying between 2 to 4 years, depending on the plan you opt for.
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Survival Period
The survival period is the number of days mentioned in your critical illness health policy (https://www.policyx.com/health-insurance/critical-illness-insurance.php) that you need to survive after being diagnosed with a critical illness to get plan coverage.
Riders Of Niva Bupa Health Insurance
Niva Bupa Health Insurance provides multiple additional add-on coverage features to policyholders for an enhanced health insurance experience. A few are mentioned below:
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Fast Forward
Available with the Niva Bupa Aspire health plan (https://www.policyx.com/health-insurance/max-bupa-health-insurance/aspire-plan.php), this unique plan allows you to combine the entire sum insured for use anytime if you buy a multi-year policy for 2 or 3 years.
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Borderless Add-on
You can avail of medical treatments anywhere in the world with personalized co-payment options between 0% to 50%.
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Day 1 Coverage
Get day 1 coverage for diseases like hypertension and diabetes, along with up to a 20% renewal discount.
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Safeguard
Get annual increased coverage based on the inflation rate and coverage for non-payable items.
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Hospital Cash
The plans offered by Niva Bupa health insurance will pay you hospital cash for up to 30 days of hospitalization if you are hospitalized for more than 48 hours.
Niva Bupa Health Insurance Plans Buying Process With PolicyX
Follow these steps to purchase Niva Bupa health plans through PolicyX:
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Visit the PolicyX health insurance page and fill in your details like name, age, number of members to be covered, and city.
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Click on 'Get free quotes' and compare Niva Bupa health insurance plans as per your requirements.
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Select and pay premiums online for your chosen Niva Bupa health insurance plan.
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Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Niva Bupa health insurance plan.
Documents Required For Niva Bupa Health Policy Claim Settlement
Submit the following documents when filing for Niva Bupa health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How To Calculate Niva Bupa Health Insurance Policy Premiums?
Compare and calculate Niva Bupa health policy premiums with the PolicyX premium calculator using these simple steps:
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Visit the official website of PolicyX.
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Fill in details such as name, number of family members to be covered, city, and other information.
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Click on 'Get Quotes'.
How to File a Claim Under Niva Bupa Health Insurance?
Follow the steps given below to file claims with Niva Bupa health insurance:
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Visit the official website of Niva Bupa Health Insurance Company.
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Click on 'Claims'.
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Choose from the Cashless Claim or Reimbursement Claim option.
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Enter your 'policy or membership number'.
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Mention your Date Of Birth (DOB).
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Click 'Submit'.
Niva Bupa Health Insurance Renewal Process
To renew your Niva Bupa health insurance plan, follow these simple steps:
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Visit the official website of Niva Bupa Health Insurance Company.
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Click on 'Renewals'.
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Enter your 14-digit policy number.
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Click on 'Renew Now'.
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Once your renewal payment has been made, you will receive a policy renewal email and can continue with your health insurance benefits.
P.S. - Connect with PolicyX health insurance experts for Niva Bupa health insurance policy renewal at 1800-4200-269.
How To Port To Niva Bupa Health Insurance?
To port your existing policy to Niva Bupa health insurance, follow the steps mentioned below:
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Fill out the portability form and send the application to Niva Bupa Health Insurance Company 45 days before the renewal date of your existing health plan.
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As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
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Once the policyholder's details are verified, the new insurance company must communicate its decision – either approval or rejection – within 15 days.
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