Health Insurance 9307 views December 24, 2019

With the increase in lifestyle-related illnesses all around the world and induced chronic stress due to the same, individuals have started to realize the importance of having a health insurance policy in their lives. So, they look at various health insurance providers, of which Niva Bupa Health Insurance has been one of the most trusted health insurers among the customers.  It helps them mitigate the financial impact of any uninformed medical emergency. One of the best things about Health Insurance plans from Niva Bupa is that you are not only covered for hospitalization expenses but also medical bills, ambulance charges, etc. 

Health Insurance

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Niva Bupa Health Insurance will help you deal with the medical bill inflation in the coming years. This page will discuss some more reasons because of which you should choose Niva Bupa Health Insurance. Along with this, we will also be telling you about different plans provided by Niva Bupa and their features. So, keep reading!

Name of the CompanyNiva Bupa Health Insurance Company Limited
TaglineNA
Sector / Industry / Sub IndustryFinance / Insurance / Health Insurance
Founded2008
HeadquarterB-1/I-2, Mohan Co-op Ind Estate, Mathura Road New Delhi, 110044 India
Contact Details1860-500-8888 or 011-46096100
Websitewww.maxbupa.com
Key PersonMr Ashish Mehrotra (MD and CEO)

Reasons to Choose Niva Bupa Health Insurance

Are you looking for reasons to choose Niva Bupa Health Insurance for yourself or your family? Well, there are many reasons for choosing this health insurance provider. What catches the eye of customers is the 84.15% Claim Settlement Ratio of Niva Bupa Health Insurance. Such a high ratio instantly generates trust among customers as they feel confident in getting their claims settled successfully. Niva Bupa comes among the industry leaders with a total of 3 million lives covered with its different plans.

Niva Bupa has a wide network of over 5,000 Hospitals where you can get Cashless claim processing within thirty minutes. Other than a cashless facility, you can also enjoy paper reimbursements via Online documentation. While claiming for your Niva Bupa Health Insurance Plan, you don’t need to worry about the interference of third party administrators.

Types of Niva Bupa Health Insurance Plans

Niva Bupa Health Insurance provides a wide and diverse range of health insurance plans that individuals can choose according to their respective needs. Some of the types of Niva Bupa Health Insurance are Individual Plans, Family Plans, Wellness Plans, Top-up plans, and plans for specific situations such as Accident, Critical Illness, etc. We are showing some of the popular plans from Niva Bupa Health Insurance and their features below. Do read to know more!

Niva Bupa Health Premia Insurance Plan

This plan from Niva Bupa Health Insurance provides comprehensive health insurance to keep up with your lifestyle. We are showing some of the features of Niva Bupa Health Premia below. Do check!

  1. No Additional Premium for New Born Baby Coverage from day 1 till Policy year
  2. Option to choose from Silver, Gold and Platinum Plan with Sum Insured up to INR 3 crore
  3. Coverage for New-age treatments like Laser-assisted surgery, Weight Loss, etc
  4. Inbuilt travel insurance
  5. Annual Health Check-ups
  6. Loyalty Additions – an increase of 10% of the expiring base sum insured every year
  7. Free extension of 1 year via Premium Waiver facility
  8. Hospital Cash up to 30 days if hospitalized for more than two days

Niva Bupa Health Companion Insurance Plan

Available in both individual and Family Floater options, the Niva Bupa Health Companion Insurance plan makes sure that your financial condition remains intact in case of any medical emergency. With a premium amount starting from as low as INR 5,085 per year, this plan can be suitable for you. Read on to know more features of this plan.

  1. Flexibility to choose from Variant 1, 2, and 3 that provides coverage of up to INR 1 crore
  2. Coverage for All Day Care Treatments like Dental, ENT Procedures, etc.
  3. Pre- and Post- Hospitalization Expenses
  4. No Cap on Room Rent, except Suites
  5. Cashless Health Check-ups according to your need
  6. No Claim Bonus – Enjoy a 20% increase in your Sum Insured (in the following year) on not making any claim in a policy year, which can go up to 100%
  7. Alternative Treatment Coverage for AYUSH
  8. Tax Benefits under Section 80D
  9. Hospital Cash up to INR 4,000 per day

Niva Bupa Saver Saver Health Insurance Plan

This plan from Niva Bupa Health Insurance works best for those people who want to avail a high coverage of up to INR 1 crore at an affordable premium. We are showing some of the features of the Niva Bupa Super Saver Plan below. Please check!

  1. Enhances No-Claim Bonus up to 200% of the Basic Sum Insured
  2. Enhances Refill Benefits up to 150% of the base sum insured
  3. Free Annual Health Check-ups from the second policy year
  4. Up to 2 Adults and 4 Children can get covered with a premium as low as INR 9,214 per year
  5. Direct Claim Settlement without any interference
  6. Unlimited Tele or Online Consultations
  7. Modern Treatments Coverage such as Deep Brain Stimulation, Robotic Surgeries, etc.
  8. Multi-Year Discounts of 7.5% on the premium of your second year and 15% of the Third Year

Niva Bupa CritCare – Critical Illness Plan

This plan is uniquely designed to cover you and your family from a range of 20 major critical illnesses. This plan from Niva Bupa Health Insurance also provides long-term discounts for a two or three-year plan. Here are some of the standout features of the Niva Bupa CritiCare Plan.

  1. Cover range of INR 3 lakh to INR 2 crore with premium starting from INR 12,521 per year
  2. Vast Coverage of 20 Major Critical Illnesses such as Cancer, Permanent Paralysis of Limbs, Open Chest CABG, etc.
  3. Daily Cash Allowance to your family with HospiCash(O) option
  4. Protection to your family in case of an accident
  5. Free Look period of 15 days within you can cancel it and get a refund
  6. Assured Lifetime Renewal option

Niva Bupa AccidentCare – Personal Accident Health Insurance Plan

Accidents can happen to anyone at any time. To protect you and your family against such an unfortunate accident, individuals choose Niva Bupa AccidentCare Health Insurance Plan. This plan from Niva Bupa ensures that you or your family does not feel the financial pain of the accident. We are also showing some of the features of this plan that you can check.

  1. Get up to 100% of the Sum Insured in case of accidental death with a Cover range of INR 5 lakhs – INR 2 crore
  2. Worldwide Coverage with which you get protection anywhere
  3. Family Floater option where you can add up to 2 Adults and 2 Children
  4. 125% of the Total Sum Insured in case of Permanent Total Disability
  5. Child Education Benefit up to INR 5 lakh in case of your demise or permanent total disability
  6. Accident Hospitalization up to 2% of the AccidentCare Insured
  7. Emergency Ambulance coverage up to INR 2,000 per claim

Niva Bupa Health Insurance Claims

Niva Bupa Health Insurance Plans have been explained above. It’s time to discuss the most important thing – how to claim in case you do get hospitalized for any illness or injury you may suffer from during the policy term.

You can claim using any of the cashless or reimbursement methods. Both these methods will involve certain steps that you need to follow carefully for a smooth claim settlement experience. While cashless claims are available only at the network hospitals of the insurer, reimbursement can be made for treatment at both network and non-network hospitals. Let’s check the steps for cashless and reimbursement individually.

Cashless Claim Process

  • Get admitted to a Niva Bupa network hospital of your choice
  • Show your Niva Bupa Health Card or share your Policy number along with your Passport, PAN card, voter’s ID card for identification purposes
  • The network hospital will check your documents carefully and submit the pre-authorization request form to the insurance company
  • Niva Bupa will review these documents and confirm to the network hospital via fax and email. It will also send you a confirmatory text message and email.
  • The insurer will respond to your cashless claim request within 30 Minutes
  • Niva Bupa will settle the claim with the hospital after all the formalities are done

Reimbursement Claim Process

  • On your discharge from the hospital, inform the insurer about the claim within 48 hours.
  • To notify the insurer, visit the Niva Bupa official website or download the Niva Bupa Health app and enter policy details to initiate the claim process.
  • Review the checklist and submit all the required documents along with a copy of the cancelled cheque, valid ID & address proof
  • Once you complete the above steps, you’ll get an acknowledgment of your submission instantly while the insurer reviews your claim.

Important Notes

  • In case of a planned hospitalization, contact the insurer two days before the date of admission.
  • Whereas, in case of emergency hospitalization, contact within 24 hours of hospitalization.
  • You can inform the insurer about a claim by calling the toll-free number: 1860-500-8888 or sending an email to customercare@maxbupa.com.
  • In case of reimbursement, you need to send the relevant documents to the following address: Niva Bupa Health Insurance Company Limited, Logix Infotech Park, D-5, 2nd Floor Noida Sector-59, Pin Code – 201301 Near Noida Sector 59 Metro Station.

How to Pay the Renewal Premium of Niva Bupa Health Insurance Plans?

Follow the below-mentioned steps to renew your Niva Bupa Health Insurance Plan successfully.

  • Visit the official website of Niva Bupa
  • Click on ‘Renew’
  • A page will open asking you to enter your Policy Number and Date of Birth
  • Mention that and click on ‘Submit’
  • The applicable annual premium amount will flash on your screen
  • Click on the ‘Pay’ button to complete your transaction
  • You’ll get a policy transaction number upon successful payment and get a new policy document on your email ID within 48 hours

Don’t Hesitate to Use the Online Services of Niva Bupa Health Insurance

For a better customer experience, Niva Bupa helps you raise queries regarding the policy,  its renewal and claims, etc. Click on the ‘Customer Service’ tab upon visiting the official website of Niva Bupa. A list of queries will appear on your screen. Click on the query you have and press the ‘Submit’ button. You will get to know about your query.

Conclusion

Niva Bupa is an expert health insurance provider specializing in health insurance products. The company has diverse health insurance plans to cover the health insurance needs of its customers. All the plans offered by Niva Bupa are unique and offer amazing features and benefits. Thus, purchasing health insurance plans from Niva Bupa will ensure strong financial backup in times of medical contingencies.

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