Niva Bupa Health Insurance: Buy Online Now

Know About Niva Bupa Health Insurance

Niva Bupa Health Insurance Company (formerly Max Bupa Health Insurance) was formed in 2008 as a standalone health insurance company. A Niva Bupa Health insurance company is a joint venture of a leading Indian private equity firm, True North, and the UK-based healthcare services expert, Bupa Singapore Holdings Pte. Limited. Niva Bupa aims to reach Rs. 2,500 crores by 2021-22 by maintaining strong growth in the market. By focusing on customer-centricity, product innovation, and digital capabilities, the insurer aims to provide financial assurance and healthcare access to its customers. Individuals can choose from a variety of health insurance plans designed to meet their specific needs. Whether you are an individual, a family, a senior citizen, a woman, a parent, a self-employed person, etc. you can find affordable health insurance here. Additionally, the insurance company offers painless health insurance claims. Due to the absence of third-party agents, the claims are settled directly. Cashless treatment is available at more than 10,000 hospitals across the country through the insurance company. In addition, the insurer promotes healthy living among its customers. Health App and Any Time Health (ATH) kiosks are some of the digital solutions it has introduced for this purpose.

Network hospital	10000+	Claim approval time	30 Min
Claim settlement ratio	99.99%	Claim type	In house claim

Niva Bupa Top Health Insurance Plans

1. ReAssure 2.0 - The Niva Bupa ReAssure 2.0 Plan offers comprehensive coverage from Rs. 5lakh to Rs. 1 Crore with a number of unique benefits, such as Reassure Forever, Lock the Clock benefit, Booster benefit, Safeguard+, etc. In addition to hospitalization costs, it covers Ambulance expenses, Home Care treatment, Ayush treatments, and e-consultations, and the policy provides complete coverage for COVID-19-related treatments and it is covered after a 15days waiting period. This means you can begin using the policy benefits 15 days after it was enacted. With Disease management rider's Diabetes and Hypertension are covered from day one onwards. It entirely removes the pre-existing disease waiting period. With a cover of up to 1 crore, it protects you and your family in case of medical emergencies. In this Plan you will get Reassure benefit, No Claim Bonus, Lifelong renewal benefit, and Tax benefit under Section 80D, and the policy provides a free look period of 15 days, these are other benefits of Reassure 2.0 Plan.

2. ReAssure - Niva Bupa ReAssure Plan offers various sum insured options ranging from Rs. 3 Lakh to Rs. 1 Crore, so you can choose as per your needs. In addition to hospitalization expenses and Daycare expenses are covered, the policy also covers Robotic surgery & Modern treatments. It also covers Emergency Road Ambulance, Air Ambulance expenses, and E-opinions. As its name suggests, the policy provides complete coverage for COVID-19-related treatments and it is covered after 15 days waiting period. This means you can begin using the policy benefits 15 days after it was enacted. As well as offering coverage benefits, lifetime renewal benefits, portability, and migration benefits. With a cover of up to 1 crore, it protects you and your family in case of medical emergencies. As Reassure keeps giving you more, this includes booster benefits, Live Healthy benefits, add-on riders, No Claim Bonus, and Tax benefits under Section 80D, and the policy provides a free look period of 15 days, these are other benefits of Reassure Plan.

3. Health Companion - Niva Bupa Health Companion Plan offer covers the sum insured from Rs. 3 lakh to Rs. 1 crore with a wide range of healthcare expenses for both individuals and families. Depending on your budget and requirement, you can choose Health Companion Plan, the insured receives several benefits, including Organ donor expenses, In-patient hospitalization expenses, Pre-hospitalization & Post-hospitalization expenses, Daycare expenses, Health check-ups, Domiciliary hospitalization expenses, and Modern treatments. In addition, you can add hospital cash benefits and Safeguard (rider). As its name suggests, the policy provides complete coverage for COVID-19-related treatments and it is covered after 15 days waiting period. This means you can begin using the policy benefits 15 days after it was enacted. In this Plan you will get a Refill benefit, No Claim Bonus, Lifelong renewal benefit, and Tax benefit under Section 80D, and the policy provides a 15 days free look period, these are other benefits of the Health Companion Plan. As a result, the policy offers many benefits which may help the insured in case of a medical emergency.

Eligibility Criteria of Niva Bupa Health Insurance

There are some eligibility criteria for Niva Bupa health insurance. Check the details as mentioned below:

Family size	Covered up to 6 members
Plan type	Individual/Family floater
Tenure	1 year, 2 year & 3 years
Cashless hospitalization	In-house claim settlement

Details of Niva Bupa Health Insurance Plans

Features	ReAssure 2.0 Plan	ReAssure Plan	Health Companion Plan
Entry age	91 days to 65 years		91 days to 100 years
Base sum insured	5L, 10L, 15L, 20L, 25L, 50L & 1Cr	3L, 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 25L, 50L, 75L, 1Cr	3L, 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L, 1Cr
In-patient hospitalization	Covered up to sum insured
Room rent	Actual
ICU charges	Actual
Pre-hospitalization	60 days
Post-hospitalization	180 days
Day care treatment	All daycare treatment covered
Organ donor	Covered up to the sum insured
Domiciliary hospitalization	Covered up to the sum insured
Home care treatment	Covered up to the sum insured
Reassure/Refill	100% of the sum insured, unlimited times		100% of the sum insured, single times
Booster benefit/No claim bonus	Bronze(3X) – increase your sum insured up to 3 times	50% of the sum insured up to 100%	20% of the sum insured up to 100%
	Platinum(5X) – increase your sum insured up to 5 times
	Titanium(10X) – increase your sum insured up to 10 times
Ayush treatment	Covered up to the sum insured
Modern treatment	Covered up to sum insured & sub-limit of 1 lac on few robotic surgeries
Road ambulance	Actual amount covered	INR 2000/Hospitalization
Air ambulance	Covered up to INR 2.5lakh/Hospitalization
Shared accommodation (if you choose)	Up to 15lakh sum insured – INR 800/Day up to INR 4800. Above 15lakh sum insured – INR 1000/Day up to INR 6000.		Not applicable
Preventive health check-up	Cover from day 1
Second e-opinion	Once in a policy year		Not applicable
E-consultation	Avail unlimited e-Consultation	Not applicable
Live healthy benefit	Renewal discounts of up to 30%		Not applicable
Vaccination for animal bite	Not applicable		Up to INR 5000

Unique Features of Niva Bupa Health Insurance Plans

Unlimited restoration – Claim 100% of the sum insured unlimited times in the same time period.
Health Checkup from Day 1– Niva Bupa's reassure plan covers your health checkup from the same year onwards.
Booster Benefit - If you are not taken any claim during the policy period then your sum insured will increase by 50% of the sum insured every year maximum up to 100%.
Renewal Discount Up To 30% - Niva Bupa offers a 30% renewal discount for staying fit and improving health.
Child covered – Child covered with parents till 30 years.
Lock The Clock Benefit - Pay the health insurance premium as per age while you purchase the policy, until the claim is taken.
Booster+ Benefit - If you are not taken any claim during the policy period then your unutilized sum insured will be carried forward to the next year and you can carry forward the unutilized sum insured a maximum up to 10 Times.
No Claim Bonus (fixed) – 20% of base sum insured maximum up to 100%. It will never reduce.
Vaccination expense – Health Companion Plan covers Animal bite vaccination.

Features of Niva Bupa Health Insurance Plans

Lifelong renewal - Renew your cover lifelong and stay covered forever.
No sub-limit on room rent - With this health plan you can get the room you like and the treatment you deserve without a hassle.
No geography-based sub-limits - No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co-pays or sub-limits.
Hospitalization expenses - Cover medical expenses incurred at the time of hospitalization that include room rent, ICU expenses, nursing expenses, surgeon’s fees road ambulance charges, anesthesia fees, blood and oxygen etc.
Pre-hospitalization - Niva Bupa Health Companion plan covers medical expenses for 60 days of pre-hospitalization. These cover tests, medicine purchases, and other medical expenses that have been incurred before hospitalization.
Post-hospitalization - Niva Bupa Health Companion plan covers medical expenses for 180 days post-hospitalization. These cover tests, medicine purchases, and other medical expenses that have been incurred after discharge.
Day Care treatment - Day-care treatments are those surgery that take hospitalization less than 24 hours like Stone, Cataract, Dialysis, Chemotherapy, Radiotherapy etc.
Organ donor expenses - The company will indemnify the Medical Expenses incurred for a living organ donor’s treatment as an Inpatient for the harvesting of the organ donated.
Domiciliary hospitalization – Secure all medical expenses during domiciliary hospitalization.
Home health care – Get treated at Home.
Reassure Benefit– With the unlimited reinstatement benefit of reassure plan, if any claim, partial or full, is made at any time during the same policy period, then 100% of the cover gets restored in the policy automatically multiple times, without any additional cost.
Booster+ benefit -
1. If you choose Bronze (3X) don’t lose what you don’t use just carry forward your unutilized sum insured to the next year's maximum upto 3times.
2. If you choose Platinum (5X) don’t lose what you don’t use just carry forward your unutilized sum insured to the next year's maximum upto 5times.
3. If you choose Titanium (10X) don’t lose what you don’t use just carry forward your unutilized sum insured to the next year's maximum upto 10times.
Booster Benefit - If you are not taken any claim during the policy period then your sum insured will increase by 50% of the sum insured every year maximum up to 100%.
Refill benefit - With the Refill benefit of the Niva Bupa Health Companion plan if any claim, partial or totally is made during the policy period then 100% sum insured will be restored automatically single time without any additional cost.
No Claim Bonus – Your coverage will increase by 20% of the sum insured every year maximum up to 100%. In Health Companion Plan the no-claim bonus will never reduce.
AYUSH treatment – Niva Bupa Health Companion plan covers In-patient hospitalization expenses even for alternate treatments method. Ayurveda, yoga, naturopathy, Unani, Siddha and homeopathy.
Modern Treatment – Modern treatment Covered treatment like deep brain stimulation, oral chemotherapy to robotic surgery, stem cell therapy, bronchial thermoplasty, intra-vitreal injections balloon Sinuplasty etc.
Road ambulance - Niva Bupa Health Companion Plan covers Road Ambulance cost up to INR 2000/Hospitalization.
Emergency Air ambulance - Niva Bupa Health Companion Plan covers Air Ambulance expenses maximum up to INR 2.5lakh
Preventive health checkup – You will get preventive health checkup benefits from the same year onwards, irrespective of claim.
Share accommodation - If you choose to share accommodation Up to Rs. 15lakh sum insured you will get INR 800/Day up to INR 4800 and above INR 15 lakh sum insured you will get INR 1000/Day up to INR 6000.
E-opinion - Get e opinion on 51 critical illnesses through network providers in India.
Unlimited E-consultation – Get unlimited e-consultation within our network.
Vaccination benefit – Animal bite vaccination covered up to INR 5000.
Tax benefits - You can avail of tax benefits for the premium amount under Section 80 D of the Income Tax Act.
Free look period - Get a 15-day free look period to understand and change your decision.
Term Discount - Pay for a 2 years policy term and get 7.5% discount and 15% discount on choosing 3 years policy term.

Add On Covers of Niva Bupa Health Insurance Plans

Hospital Daily Cash Benefit - Company will pay for an Insured, an additional fixed amount for each day’s hospitalization for a maximum of up to 30 days. One day is considered 24 continuous hours of hospitalization.
Personal Accident - In the event of the unfortunate demise of the insured within the policy period from the date of the Accident, the company will pay the Sum Insured. The Personal accident benefit will terminate after the Accidental Death benefit is paid for.
Safeguard - Limited Non-payable items will be covered with a safeguard feature.
Safeguard Plus - All non-payable items will be covered with the safeguard+ feature.
Disease Management - The disease management rider removes the waiting period on Pre-existing Diseases such as Hypertension and Diabetes.
Acute Care - Get the best care with unlimited T- consultation.
Deductible benefit - If you are choosing deductible options such as INR 20000, INR 30000, INR 50000 & INR 100000 which reduce your premium.

Discounts Under Niva Bupa Health Insurance Plans

Long-term discount – Pay for a 2 years policy term and get 7.5% discount and 15% discount on choosing 3 years policy term.
Family discount - 10% on family discount on 2 or more members are covered under an individual policy.
Standing instruction discount – 2.5% Discount on auto debit on renewal.
Doctor discount – 5% discount if an insured person is a certified medical practitioner.
Live healthy benefit – Collect health points by taking steps and get 30% discount on renewal.

Waiting Period of Niva Bupa Health Insurance Plan

Cover from day 1 - Only accidental.
Cover after 30 days - Dengue, malaria, fever, jaundice, typhoid, etc.
Cover after 2 years - Stone, hernia, piles, ulcer, fistula, gallbladder, hip & joint replacement, tonsils, ENT surgery, Gyno surgery, etc.
Cover after 3 years – Pre-existing disease such as hypertension, thyroid, asthma, diabetes, etc.

Exclusions of Niva Bupa Health Insurance Plans

Conflict & Disaster - Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations, or rebellion.
Breach of law - The company does not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting a breach of law with criminal intent.
Treatment for alcoholism & drug abuse - Treatment for alcoholism, drug or substance abuse, or any addictive condition and consequence thereof remain uncovered.
Congenital external disease, defects, or anomalies - The company does not cover medical expenses incurred for congenital external disease defects or anomalies.
Maternity Expenses - Pregnancy, dental treatment, external aids, and appliances.
Investigation & Evaluation - Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Unproven Treatments - Expenses related to any unproven treatment, services, and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures, or supplies that lack significant medical documentation to support their electiveness.
Unrecognized Physician or Hospital - Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central Council of Homeopathy.
Costs that are not Reasonable and customary and treatments that are not medically Necessary.

Renewal Process of Niva Bupa Health Insurance Plans

Life-long Renewal - Get a life-long renewal, regardless of your health status or previous claims made under your policy.
Sum Insured Enhancement - To protect yourself from rising medical expenses, you can enhance your sum insured or add more members of your family to your existing policy at the time of renewal.
Portability and Migration - You can port or migrate your policy at the time of renewal. Please reach out to us for any queries regarding migration and portability.

How to File a Claim Under Niva Bupa Health Insurance Plans

You can file a claim in Niva bupa reassure 2.0 plan in two ways as mentioned below:

1. Cashless Claim

Intimation - Fill up the pre-authorization form at the network hospital for cashless approval.
Approval/ rejection - Once the hospital intimates the company, the company sends you the status update.
Hospitalization - Hospitalization can be done on the basis of pre-authorization approval.
Claim settlement - At the time of Discharge Company will settle the claim directly with the hospital.

2. Reimbursement

Hospitalization - You need to pay the bills initially and preserve the original invoices.
Register your claim - Post-hospital discharge send to the company all your invoices and documents.
Verification - The company verifies your claim-related invoices and treatment documents.
Claim settlement - The company sends the approved amount to your bank account.

FAQ

For Niva BUPA Health Insurance, what is the grace period?

A 15-day period

What is the process for claiming Niva BUPA health insurance?

Help with claims.
Intimation of Claim.
Processing of claims. To initiate a claim request, complete the pre-authorization form and hand it over to the hospital's insurance/TPA desk.
Settlement of claims.

Niva Bupa Health Insurance: How do I buy it?

Niva Bupa health insurance can be purchased online or offline. You can purchase the plan online through the company's website or through the website of a trusted insurance aggregator. Online plans are relatively cheaper and the process is simple. An insurance agent or branch of the insurance company can sell you the plan if you wish to buy it offline.

Niva Bupa Health Insurance: Why should you choose it?

There are many health insurance companies in India, but Niva Bupa Health Insurance is one of the most prominent. An individual or family can choose from a wide range of coverage options. A variety of unique coverages are available, including maternity coverage, alternative medicine coverage, etc. There is a very low cost associated with the plans. Branches are located throughout the country, and the company has excellent customer support staff.

Are there hospitals in the network of Niva Bupa Health Insurance?

Niva Bupa has a large network of hospitals. Max Bupa has partnered with over 5,000 hospitals in India. These hospitals offer cashless treatment. One of the most efficient claims processes in the country is the cashless process, which can be completed in just about 30 minutes.

Is Niva Bupa Health Insurance able to cover maternity care?

Most Niva Bupa family floater health plans include maternity coverage. In addition, there is a shorter waiting period compared to other plans on the market. Niva Bupa Health Insurance offers this benefit as an added benefit.