Niva Bupa Health Insurance is one of India’s leading health insurance. Health insurance is now a part of every family’s financial planning. There is a steep hike in healthcare costs, hence strong health plans are valuable for providing cushioning finance in case of medical emergency. Find out what makes Niva Bupa a good choice: look at its features, and benefits, and understand to get maximum benefits from your health plan.
Introduction to Niva Bupa Health Insurance
What is Nipa Bupa Health Insurance?
Niva Bupa Health Insurance is an insurance company earlier known as Max Bupa. It is a joint undertaking between the Niva Group and Bupa, a company based in the UK in the healthcare services industry for more than 70 years that combines global expertise and local insights to deliver tailor-made health insurance plans suited to the Indian family.
Protect your savings from medical emergencies with Niva Bupa Health Insurance plans. Enjoy maximum medical coverage of up to Rs. 5 crore with cashless treatment at 8,500+ hospitals.
Niva Bupa Health Insurance comes with a variety of plans for individuals, family floater plans, and top-up cover plans. The annual premium begins with an amount of Rs. 1,469*. It gives the advantage of cashless claims, which are processed within just 30 minutes at network hospitals. Under health insurance, total permanent disability, accidental death, treatment given under AYUSH treatment, and daycare procedures fall.
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Why prefer Niva Bupa Health Insurance?
Certain features belong to Niva Bupa Health Insurance. That makes people to prefer the Niva Bupa Health Insurance.
Key Benefits of Niva Bupa Health Insurance:
Customisable Plans: Niva Bupa Insurance can customisable the plans based on individual or family needs.
Total Coverage: This insurance covers hospital stays, daycare procedures, and costs crop up after you leave the hospital.
Global Coverage: Most policies provide worldwide coverage. The beneficiary feels safe anywhere in the world.
Types of Niva Bupa Health Insurance
Individual Health Insurance:
Health insurance plans provide monetary support for hospitalization and other medical treatments. Premium charges depend on age, medical history, and some assured. Individual plans cover spouses, children, and dependent parents with extra payments. It may also include no room rent cap, NCB, alternative treatments, OPD costs, travel, international, and high-sum insured options like Health Premium up to Rs 3 crore.
Family Health Insurance:
This is the second most popular kind of health insurance in the country and all family members of the policy holder rights from spouse and children up to parents and dependents up to a single premium payment. The facility has called it a family floater plan.
The health insurance premium is generally charged based on the age of the family’s eldest member. You need a family health insurance plan if you have children or other family members who don’t have serious medical issues, so the amount covered doesn’t get exhausted. This type of plan covers hospitalization for large families, and the same benefits as an individual plan, including no claim bonus, sum insured up to Rs 1 crore and no room rent cap.
Critical Illness Insurance:
This is a health insurance plan, which can provide an individual or family member coverage up to two adults, against a wide slew of medical conditions to be critical and life-threatening. A lump sum amount is provided in case of diagnosis of a critical illness. Under this policy, it covers up to 20 life-critical illnesses like cancer, stroke, organ transplant, paralysis, kidney failure, heart attack, etc.
Unit-Linked Insurance Plans (ULIPs):
Some health insurance premium is skimmed into a combination of debts and equities, but the remainder is paid for life insurance.
Top-up plans: Top up the existing health policy with a top-up, for example, Niva Bupa’s Health Recharge plan covers all family members.
List of Health Insurance in India
| Types of Health Insurance Plans | Suitable For |
| Individual Health Insurance | Individual |
| Family Health Insurance | Entire Family- Self, Spouse, Children, and Parents |
| Critical Illness Insurance | Used for funding expensive treatments |
| Senior Citizen Health Insurance | Citizens aged 65 and above |
| Top Up Health Insurance | This policy is useful whenever the sum insured of the existing policy gets exhausted. |
| Hospital Daily Cash | Daily Hospital Expenses |
| Personal Accident Insurance | It can be used in case of any loss or damage to the owner or the driver. |
| Medi Claim | In-patient expenses |
| Group Health Insurance | For a group of employees |
| Disease-Specific (M-Care, Corona Kavach, etc.) | Suitable for patients suffering from pandemic-manifested conditions or prone to the condition. |
| ULIPs | The dual benefit of insurance and investment |
Niva Bupa Health Insurance Plans
| Best Selling Plan | Maternity Plan | Senior Citizen Plan | Premium & NRI Plan | Diabetes & Hypertension Plan |
| Niva Bupa’s bestselling Health Plan | Day 1 Coverage for Diabetes & Hypertension | Niva Bupa’s Health Plan for senior citizens | Niva Bupa’s most comprehensive Premium & NRI Health Plan | Day 1 Coverage for Diabetes & Hypertension |
| Our best-selling health coverage provides all-rounded benefits and wide-scale coverage for your healthcare needs. | Get immediate coverage for diabetes and hypertension from day one with Niva Bupa’s specialized health plan. | Our specialized senior citizen’s health insurance plan is tailored to meet their unique healthcare needs. | Our premium health insurance plan, designed for premium customers and NRIs, includes in-built travel insurance and comprehensive coverage benefits tailored to their needs. | Get immediate coverage for diabetes and hypertension from day one with Niva Bupa’s specialized health plan. |
| ₹ 7,326 | ₹ 2,474 | ₹ 16,125 | ₹ 11,572 | ₹ 2,474 |
| Annual Premium 3 | Annual Premium 7 | Annual Premium 5 | Annual Premium 6 | Annual Premium 7 |
| ₹ 5,00,000 | ₹ 5,00,000 | ₹ 5,00,000 | ₹ 5,00,000 | ₹ 5,00,000 |
| Sum Insured | Sum Insured | Sum Insured | Sum Insured | Sum Insured |
| Pay premium as per your entry age | No waiting period for pre-existing diabetes and hypertension | Use and get your basic cover, beyond the balance above. Unlimited times | Comprehensive coverage up to ₹ 3Cr | No waiting period for pre-existing diabetes and hypertension |
| Carry unused base sum insured up to 10 times the base cover | No extra loadings for pre-existing diabetes and hypertension | Avail Annual Health-check up from Day 1 | International Coverage | No extra loadings for pre-existing diabetes and hypertension |
| Use and recover your basic coverage, above and beyond the balance. Unlimited times and forever | It offers up to 20% renewal premium discount based on quarterly test results. | Coverage even for non-payable items like gloves etc. | In-built travel insurance coverage | It offers up to 20% renewal premium discount based on quarterly test results. |
| Get up to 30% discount on renewals based on step count | No mandatory Pre-Issuance Medical test | Loyalty Additions of 10% per year | Diagnostic tests up to INR 3,000 per year. |
How to Apply for Niva Bupa Health Insurance?
Online Application
- Visit the official Niva Bupa website.
- Compare different health insurance plans and choose that suits individual needs.
- Fill in the required personal and medical details, upload the necessary documents, and make the payment.
Offline Enrolment
- You can also visit a Niva Bupa branch or connect with authorized agents to apply.
Documents Required
- Identity Proof (Aadhaar, PAN)
- Address Proof
- Medical History (if applicable)
Also Read: Does the Term Insurance plan cover natural death?
How to claim Niva Bupa Health Insurance?
To apply for a cashless claim, you can:
- Identify a network hospital and visit the service desk at least 72 hours before treatment.
- Produce your Niva Bupa Health Card or Policy number and a government-issued ID.
- Thirdly, share any available medical records.
- They will authenticate you, and make a pre-authorization request to Niva Bupa.
- Niva Bupa will send a receipt of the request to the hospital.
- Accepted at treatment and all papers and documents signed on discharge.
- The company will pay for the pre-approved treatments directly to the hospital.
Niva Bupa Health Comparisons
Niva Bupa offers better competitive deals compared to any health insurance provider.
| Feature | Niva Bupa | Competitor A | Competitor B |
| Cashless Hospital Network | 8,000+ hospitals | 6,500+ hospitals | 7,000+ hospitals |
| No Claim Bonus | Up to 100% increase | Up to 50% increase | No NCB |
| Critical Illness Cover | Available in most plans | Separate purchase required | Available in limited plans |
| Lifetime Renewability | Yes | Yes | Limited age restrictions |
Conclusion
Niva Bupa Health Insurance has full coverage, flexible plans, and customer-first services. For these reasons, it could be considered a healthy and trustworthy option for health insurance. This means your family will receive quality health care with financial security.
FAQ’s About Niva Bupa Health insurance
Q~What is the waiting period for pre-existing conditions?
These can be between 24 and 48 months, according to the strategy.
Q~How many network hospitals are available?
Over 8,000 hospitals across India.
Q~Can I enhance my coverage later?
Yes, you can upgrade or add top-up coverage.
Q~Is there an age limit for enrollment?
Most plans have no age restrictions.
Q~What happens if I miss a premium payment?
A grace period is provided; however, continuous delays may lead to policy lapse.
Q~How is Niva Bupa different from other insurers?
It offers unique benefits like no claim bonus, lifetime renewability, and global coverage options.
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