1. NIVA BUPA HEALTH INSURANCE
Niva Bupa Health Insurance (formerly known as Max Bupa Health Insurance) is one of the most trusted independent health care coverage accomplices.
We have arranged reasonable and far-reaching medical services approaches taking care of the various requirements of our buyers. We mean to give each Indian the certainty to get to best medical services by giving best health care coverage plans according to your necessities. Our imaginative and thorough wellbeing strategies have made us one of the main health care coverage and clinical insurance agency in India.
Why Pick Niva Bupa Health Insurance?
Believed by north of 70 lakh cheerful clients, Niva Bupa Health Insurance gives an extensive variety of medical coverage intends to suit each need.
Niva Bupa Health Insurance coverage is the top decision for wellbeing inclusion, offering a broad scope of arrangements to take special care of different necessities. Niva Bupa has everything from individual designs to family floater choices and senior resident inclusion to basic sickness arrangements.
What separates Niva Bupa Health Insurance is the alluring advantages presented across their strategies, making them among the best in India. For instance, you can partake in a liberal 30% restoration charge markdown, no limitations on room lease, inclusion for elective therapies, admittance to a day-to-day wellbeing mentor, global inclusion, travel protection , top off benefits, no-guarantee rewards, e-meetings, and inclusion for different clinical costs past hospitalization.
Senior residents are very actually liked with premium administrations that incorporate inclusion for street and air ambulances, organ benefactors, AYUSH treatment, childcare medicines, and continuous medicines. Also, mishap plans offer far reaching advantages like super durable handicap inclusion, kid instruction, and passing advantages. Besides, Niva Bupa covers 20 basic diseases and gives long haul limits and lifetime recharging choices.
With this large number of benefits, it’s no big surprise that Niva Bupa is the go-to decision for medical coverage searchers. Have harmony of psyche and thorough inclusion with Niva Bupa Medical coverage.
Features You Should Know About
What is Covered in Niva Bupa Health Insurance Plans?
Eager to know what’s covered under your health insurance? We’ve got all the answers! Here are the guaranteed inclusions and exclusions in a standard health insurance policy. While this list gives you an idea, it’s essential to double-check with your provider and carefully read your policy documents for complete clarity.
Inpatient hospitalization
Pre- and post-hospitalization care
Ambulance charges
Covid-19 coverage
Daycare procedures
Dental treatment (unless cancer/ acute trauma relate).
Health Insurance Exclusions
Health Insurance Inclusions:
Inpatient hospitalization
Purchase of external devices like spectacles, hearing aid, artificial limbs, crutches, artificial teeth, veneers, are all excluded.
Instances of self-inflicted injury are not covered by a health insurance policy.
Any type of cosmetic surgery such as plastic surgery or botox, are excluded. Exceptions include surgery for burns or accidental bodily injuries or surgeries for the treatment of cancer.
The underneath referenced highlights guarantee that health care coverage arrangements give thorough inclusion to different clinical requirements while considering factors like holding up periods, co-instalments, and extra riders.
Extensive Hospitalization Inclusion: Clinical costs for in-patient consideration and hospitalization are covered.
Pre- and Post-Hospitalization Inclusion: Costs caused when hospitalization for a predefined number of days are incorporated.
Room Lease and ICU Charges: Inclusion for medical clinic room lease and ICU charges, regardless of sub-limits.
Home Clinical Therapy: Inclusion for clinical treatment at home when medical clinic beds are inaccessible.
Day Care Treatment: Inclusion for short term office medicines, ENT, dental strategies, and other determined techniques.
Credit only Wellbeing Check-ups and Indicative Tests: Accommodation of credit only exchanges for wellbeing check-ups and symptomatic tests.
Crisis Rescue vehicle Inclusion: Inclusion for crisis rescue vehicle costs.
Organ Giver Treatment: In-patient treatment connected with organ gathering for organ benefactors.
Long-lasting Rejections: Pre-determined rundown of sicknesses and ailments not covered by the arrangement.
Holding up Periods: Holding up periods differ, with mishap medicines regularly having no holding up period and different medicines having a 30-day holding up period. Prior conditions might have a more drawn out holding up time of 2-6 years.
Co-installment and Deductibles: Back up plans offer choices for co-installment rates and deductible sums, which can bring down the premium. In any case, the deductible or co-installment should be paid personal while making a case.
Extra Riders: Extra riders for exceptional clinical necessities, for example, basic ailment inclusion and emergency clinic cash, can be bought with an additional premium.
What Makes Niva Bupa Health Insurance the Best Insurance Agency in India?
Niva Bupa Health Insurance is a main supplier in India, serving clients beginning around 2008. With a noteworthy client base of more than 70 lakh people, it flaunts a great case settlement proportion of 92%, effectively settling claims totaling 1,141 crores since beginning. What separates Niva Bupa is its immediate case settlement process, disposing of the requirement for outsider chairmen (TPA). Besides, Niva Bupa offers basic sickness protection inclusion across a tremendous global organization traversing 190 nations.
With a broad organization of 10,000+ emergency clinics cross country, getting to credit only treatment through Niva Bupa is inconceivably advantageous. Moreover, the organization has embraced computerized answers for the consistent treatment of clinical necessities and protection processes, guaranteeing effectiveness, more limited completion times, and an excellent customer experience.
Niva Bupa is a joint endeavor with Bupa Singapore Property, a deeply grounded English medical care administrations organization, and Fettle Tone LLP, an accomplished confidential value firm with a fruitful history of changing more than 50 Indian organizations. Driven by a dream to turn into India’s most respected and best health care coverage organization, combined with client driven highlights, Niva Bupa arises as an optimal decision in the Indian health care coverage area.
Want to know more about buying health insurance online
Go to www.nivabupa.com or call 1860-500-1000 to find out more
Eligibility for Niva Bupa Health Insurance
Eligibility for a medical insurance policy is determined based on the following criteria:
Age:
Typically, the entry age for the insured ranges from 18 to 65 years, but it can extend to 70 years in some cases. Children aged 16 days to 18 years can also be covered, and there may be provisions for newborn and post-natal care.
Tests:
Some insurers may require favourable medical test results, including routine blood and urine tests, as well as tests related to major organs. Applicants below the age of 45 generally do not need to undergo medical tests.
Medical Condition:
Pre-existing health conditions must be disclosed during the application process. This disclosure may trigger a waiting period and can affect the calculation of the premium.
Save Tax with a Medical Insurance Policy
Maximize your savings with the power of a health insurance policy. In accordance with section 80D of the Income Tax Act, individuals and HUFs can enjoy deductions on medical insurance premiums paid. Here’s how it works:
For self, spouse, and dependent children, claim a deduction of ₹25,000.
For parents who are not senior citizens, claim an additional deduction of ₹25,000.
For senior citizen parents, boost your deduction to ₹50,000.
If both you and your spouse are senior citizens, enjoy a combined deduction of ₹50,000.
That’s not all! Eligible expenses for deductions include not only the premium but also preventive health check-ups, medical expenditure on uncovered senior citizen health insurance, and contributions to the government or notified health insurance schemes
Health Insurance Portability
Does Health Insurance Cover Covid-19?
Health Insurance Portability
Were you aware that you can transfer your health insurance coverage seamlessly? Some policies offer a unique feature that allows you to switch health insurance providers without losing any benefits from your current plan. So if you’re unsatisfied with your existing medical insurance and yearn for more comprehensive coverage, you can explore better options while retaining your initial credits.Here’s how health insurance portability works:
Change Carriers: You can switch to a new insurance provider, carrying over the credits you earned from your current policy.
Switch policies within the same insurer: Feel like upgrading your coverage? You can switch to a different health insurance policy within your current insurer.
Shift between Individual and Family Plans: If your needs change, you can smoothly transition from an individual insurance plan to a family floater or vice versa.
Request a Revised Sum Insured: Need to increase your coverage? You can apply to your new insurer for an updated sum insured amount.
Health insurance portability also allows you to expand the scope of coverage given by your policy. However, this might involve medical tests and new waiting periods to ensure a seamless transition.
Take control of your health insurance journey and maximise the portability options available. Upgrade your coverage, switch providers, and embrace the flexibility to suit your evolving healthcare needs.
Health Insurance Claims
Discover the nearest network hospital through the Niva Bupa Health app for seamless cashless claims.
Get your health insurance forms from the hospital, complete them, and submit them back. Required documents may include your policy number, photo ID, and other proofs.
When we receive your documents, our internal claims committee will assess your claims based on treatment, documents, and coverage. In the rare event of rejection, you can appeal to our grievance team for a thorough review.
Once your claims are approved, enjoy medical treatment without any upfront payments to the hospital, except for consumables or specific items/procedures mentioned in the exclusions charter.
Upon discharge, we will carefully review your discharge summary and documents before processing the claim. Stay informed about your claim’s progress at every stage through the Niva Bupa website. Rest assured, Niva Bupa aims to process cashless claims in 30 minutes or less, providing swift assistance.
Niva Bupa Health Insurance Terms you should know about
Understanding insurance terms is vital before selecting a policy. Explore the language of health insurance to make informed decisions.
| Insurance Term | About the Term |
| Room Rent Limits | A cap on the amount a policyholder can claim per day for room rent linked to the Sum Insured. |
| Sub-limits | Coverage limits for specific conditions or costs, such as surgical fees or doctors’ fees. |
| Co-Payment | The percentage of the claim money that the policyholder pays while the insurer covers the rest. |
| Deductible | The initial or primary amount the policyholder must pay before the insurer starts covering the claim. |
How to Calculate Health Insurance Premiums?
Work out medical coverage charges effectively and precisely utilizing a top notch mini-computer, a helpful device from top safety net providers and outsider sites.
Just information your age, family size, individual ages, area, and wanted aggregate guaranteed into the number cruncher to get an expected premium sum. Area is thought of as because of possible varieties in charges among metro and non-metro regions.
On the other hand, you can visit the insurance agency’s site and give subtleties, for example, the quantity of individuals, their ages, wanted aggregate guaranteed, and individual data to demand an internet based statement. A few sites may likewise ask about prior conditions and way of life propensities to guarantee a more exact premium gauge.
- Note: While the superior sum is significant, it ought not be the sole standard for choosing a strategy. All things being equal, taking into account the degree of inclusion, exceptional highlights, and avoidances is similarly urgent.
Factors Influencing Health care coverage Expenses in India
Factors Affecting Health Insurance Premiums in India
Below mentioned factors play a crucial role in determining health insurance premiums. By understanding their impact, you can make well-thought-of decisions regarding your coverage.
| Factors | All About the Factors |
| Age | One’s age is a significant factor influencing health insurance premiums, with costs increasing as you grow older. |
| Pre-existing illness | Any pre-existing health conditions can lead to higher premium costs. Opting for insurance before developing such illnesses helps avoid elevated premiums. |
| Family history | A family history of chronic illnesses like diabetes, cancer, or stroke may increase insurance premiums due to increased risk. |
| City of residence | The city or tier of the residence can impact premium costs, with Tier 1 or metropolitan cities generally having higher medical expenses. |
| Body mass index (BMI) | Individuals with a high BMI may have to pay higher premiums due to the increased risk of chronic illnesses associated with weight-related conditions. |
| Smoking and drinking | Smokers and chronic drinkers are considered a higher risk, leading to elevated insurance premiums. In addition, such habits increase the likelihood of severe respiratory and liver diseases. |
Not quite what you were looking for?
Documentation Required
In cashless hospitalization, the network hospital directly sends documents to the insurer. You must submit specific documents for reimbursement that the insurer will review before approving your claim. These include:
Completed and signed claim form
Discharge certificate from the hospital
Doctor’s consultation notes and receipts
Hospital bills with proper stamps and signatures
Invoices for medications and any other relevant treatment documents.
Reports and diagnostics including X-ray films, blood tests, urine tests, etc.
For what reason Would it be a good idea for one to Purchase a Wellbeing Plan at an Early Age?
The benefits of buying health care coverage very early on are:
Decreased probability of previous sicknesses as they will generally create with age. On the off chance that you have prior conditions, the holding up period will be over while you are youthful.
Early assurance with wellbeing inclusion guarantees you are protected from expected gambles.
Longer length for guaranteeing charge derivations on health care coverage expenses.
Lower charges because of the policyholder’s more youthful age.