Niva Bupa offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Niva Bupa
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Niva Bupa for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Niva Bupa policy
- The network hospital will send the hospital bill to Niva Bupa.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Niva Bupa about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About Niva Bupa Health Insurance
Niva Bupa Health Insurance is offered by the Niva Bupa Health Insurance Company, which is a joint enterprise between Fettle Tone LLP and Bupa Group. These health insurance plans have been designed to cater to the different needs of its wide range of customers, ranging from newborns to the elderly. Moreover, the insurer also offers customized plans to senior citizens, diabetes patients, hypertension patients, people with disabilities, surrogate
Niva Bupa ReAssure 2.0 is a one-of-a-kind health plan that offers unlimited sum insured for the lifetime of the policy and allows you to carry forward unused sum insured for up to 5-10 times. Moreover, the plan locks the premium at the age the policy was purchased unless a claim is raised. The plan is available in Bronze, Gold, Bronze+, Titanium+ and Platinum+ variants.
Features and Benefits:
- Coverage for hospitalization expenses, modern treatments and home care treatments are available
- Second medical opinions, e-consultations and AYUSH treatments are covered
- ReAssure+, Booster+ and annual health check-ups from day 1 are available
- Pre-post hospitalization costs, ambulance charges and organ donor expenses are covered
- Live healthy benefit and shared accommodation benefit are available
- Safeguard benefit, hospital cash benefit, personal accident cover and safeguard+ benefit are available as optional covers
Niva Bupa Aspire is another unique health plan that offers Lock the Clock benefit and Booster+ benefit from ReAssure 2.0 plan along with M-iracle maternity benefit. Additionally, it also allows you to utilize future sum insured anytime, accumulate cashbacks on every claim-free year and offers worldwide coverage. Moreover, it comes with 10 variants – Gold, Sapphire, Diamond, Platinum, Titanium, Gold+, Sapphire+, Diamond+, Platinum+ and Titanium+ along with the Flexi plan.
Features and Benefits:
- Hospitalization expenses, home care treatments and AYUSH treatments are covered
- Miracle benefit, ReAssureX, Booster+, ReAssure+ and live healthy benefits are available
- E-consultations, road ambulance and air ambulance charges are covered
- Annual health check-ups and second medical opinions are available
- Optional covers, such as cash-bag benefit, safeguard benefit, future ready benefit, borderless benefit, etc. are available
- Personal accident cover, safeguard+, hospital daily cash and WellConsult (OPD) benefit are also available as optional covers
Niva Bupa Health Companion is a comprehensive health plan that fulfils the health needs of individuals, nuclear families and joint families. Moreover, the plan is available in four variants, with the Family First variant designed for joint families.
Features and Benefits:
- Coverage for in-hospitalization, alternative treatments and modern treatments are available
- Both pre-hospitalization medical charges and post-hospitalization expenses are covered
- Domiciliary hospitalization, living organ donor transplant and emergency ambulance cover are available
- Day care treatments, emergeny ambulance charges and animal bite vaccination costs are covered
- Refill benefit, complimentary health check-ups and no claim bonus are available
- No capping on room rent is available
- Hospital cash benefit and personal accident cover are available as optional covers
The Niva Bupa Heartbeat plan has been designed to provide comprehensive coverage to individuals and families against a wide range of diseases, including mental diseases and HIV AIDS. The plan comes in three variants – Silver, Gold and Platinum, along with the Family First variant.
Features and Benefits:
- In-patient care, OPD treatment, alternative treatments and modern treatments are covered
- Maternity benefit, newborn baby expenses & vaccinations and child care benefits are available
- Mental disorder treatments, pre & post hospitalization expenses and day care procedures are covered
- HIV/ AIDS cover, specified illness cover and domiciliary hospitalization are available
- Pharmacy & diagnostic services, emergency ambulance charges and living donor organ transplants are covered
- Emergency assistance services, hospitalization and medical evacuation are available
- Health check-ups, refill benefit and loyalty additions are available
- Hospital cash benefit, premium waiver benefit and personal accident cover are available as optional covers
- Optional covers, such as critical illness cover, e-consultations and enhanced international cover are also available
Niva Bupa Health Premia plan offers extensive coverage to the insured within India and abroad while allowing them to focus on staying healthy. The plan is available in three variants, i.e. Silver, Gold and Platinum, along with the Family First variant.
Features and Benefits:
- Coverage for in-patient care, OPD cover and pre & post-hospitalization are available
- Day care treatments, e-consultations and emergency ambulance charges are covered
- Maternity benefit, newborn baby cover, newborn baby vaccinations and child care benefits are available
- Mental disorder treatments, modern treatments and alternative treatments are covered
- Specified illness cover, HIV AIDS cover, laser surgery cover and second medical opinions are available
- Pharmacy & diagnostic services, domiciliary hospitalization and organ donor treatment expenses are covered
- Waiver of premium, emergency assistance services, refill benefit and health check-ups from day 1 are available
- International coverage, including medical evacuation and repatriation, are covered
Niva Bupa Health Recharge is a super top-up health insurance plan designed to provide additional coverage in case the base policy gets exhausted. However, it comes with a mandatory deductible.
Features & Benefits:
- In-patient treatment, mental disorders treatment and modern treatments are covered
- HIV AIDS cover, artificial life maintenance and pharmacy & diagnostic services are available
- Alternative treatments, e-consultations and domiciliary treatment are covered
- Personal accident cover and critical illness cover are available as optional covers
Niva Bupa Senior First is a senior citizen health insurance policy designed to cater to the health needs of senior citizens aged 60 years and above. The plan comes in two variants – Gold and Platinum.
Features and Benefits:
- Coverage for hospitalization expenses, home treatments and AYUSH treatments are available
- Modern treatments, day care treatments and ambulance charges are covered
- ReAssure benefit, annual health check-up benefit, and no claim bonus are available
- Annual aggregate deductible and co-payment modifications are available as optional covers
Niva Bupa Health Assurance is a combination of a critical illness insurance plan, personal accident cover, and hospital cash insurance plan. It provides the insured with the choice to opt for either of these covers or a combination of one or two covers. Moreover, the plan comes with the family first variant.
Features and Benefits:
- Lump sum payment, staggered payments or both are paid on the first diagnosis of 20 listed critical illnesses
- Accidental death, permanent total disability and permanent partial disability are available
- Child education benefit and funeral expenses are also covered
- Worldwide accidental cover is available
- Daily hospital cash benefit and double cash benefit for ICU hospitalization are available
- Optional covers, such as temporary total disability, accidental hospitalization and ambulance charges, are available under the AccidentCare section
Niva Bupa GoActive is a new-age health plan that promises to offer medical coverage anywhere, anytime.
Features and Benefits:
- In-patient treatment, OPD consultations and home health care services are covered
- AdvantAGE benefit, refill benefit and behavioural assistance program are available
- Second medical opinions, diagnostic tests and pharmacy & diagnostic services are covered
- Health check-ups, emergency ambulance cover and modern treatment cover are available
- I-protect benefit, personal accident cover, deductible cover and health coach are available as optional covers
The Niva Bupa Health Plus plan provides comprehensive coverage to individuals and families against a variety of medical expenses, including maternity expenses, prosthetics costs and robotic surgeries.
Features and Benefits:
- Coverage for in-patient care, home health care services and modern treatments are available
- Maternity benefit, pre & post-natal expenses and e-consultations are covered
- Newborn baby cover, newborn vaccination cover and cord blood banking cost cover are available
- Cost of cyberknife/robotic surgery, air ambulance services and alternative treatments are covered
- Critical illness cover and accompanying persons accommodation cover are available
- Prosthetics cover, compassionate visit, health check-ups and no claim bonus are available
The Niva Bupa Elixir plan provides extensive coverage for a wide range of medical expenses while offering several lucrative benefits, including booster benefit.
Features and Benefits:
- Hospitalization expenses, home care treatments and modern treatments are covered
- ReAssure benefit, booster benefit and shared accommodation benefit are available
- Second medical opinion, domiciliary hospitalization and day care treatments are covered
- Annual health check-ups, air ambulance cover and organ donor cover are available
- Safeguard benefit, personal accident cover and safeguard+ are available as optional covers
The Niva Bupa Everyday Health plan offers OPD cover in health insurance that does not require hospitalization along with wellness benefits.
Features and Benefits:
- Coverage for physical doctor/specialist consultations, teleconsultations and video consultations are available
- Cost of diagnostic services, home health care services and pharmacy services are covered
- Annual health check-ups, vaccination cover and wellness benefits are available
- Monitoring/ medical devices expenses and second medical opinions are covered
- Condition management packages for diseases like diabetes, heart ailments, etc., are available
The Niva Bupa Health Pulse plan safeguards the health of individuals and families with customized coverage for various diseases like HIV AIDS, mental disorders, etc. The plan comes in two variants – Classic and Enhanced.
Features & Benefits:
- In-patient treatment, modern treatments and mental disorders treatment are covered
- HIV AIDS cover, refill benefit, annual health check-ups and no claim bonus are available
- Pharmacy & diagnostic services, alternative treatments and day care treatments are covered
- Optional covers, such as critical illness cover, hospital cash benefit and e-consultations, are available
- Personal accident cover, enhanced no claim bonus and enhanced refill benefit are also available as optional covers
Niva Bupa Xpress Health is a comprehensive health plan that offers extensive coverage for OPD expenses along with hospitalization expenses. The plan comes with OPD coverage of ₹5000 per doctor visit for a maximum of ₹1 lakh per policy year.
Features and Benefits:
- Coverage for video consultations, physical consultations and teleconsultations are available
- Hospitalization expenses, modern treatments and day care treatments are covered
- Air ambulance cover, AYUSH benefit and domiciliary hospitalization are available
- Cost of diagnostic services, home health care services and pharmacy services are covered
- Daily cash benefit, ICU cash benefit, vaccination cover and no claim bonus are available
- Emergency assistance services, second medical opinion and annual health check-ups are covered
- Critical illness cover, personal accident cover and serious illness cover are available
The Niva Bupa Empower Health plan has been designed to provide medical coverage to persons with disability or HIV AIDS.
Features and Benefits:
- In-patient care, accidental dental treatments and modern treatments are covered
- Coverage for cataract treatments, AYUSH treatments and day care treatments are available
- Pre-hospitalization expenses, road ambulance costs and post-hospitalization expenses are covered
The Niva Bupa Health Multiplier plan covers the cost of hospitalization while offering coverage for 37 critical illnesses.
Features and Benefits:
- Coverage for hospitalization expenses, alternative treatments and modern treatments are available
- Critical illness multiplier cover, refill benefit and organ transplant cover are available
- E-consultations, emergency ambulance expenses and day care treatments are covered
The Niva Bupa Quick Health plan provides coverage for OPD expenses along with a personal accident cover. While the OPD benefit is available for ₹5000 per consultation for up to ₹1 lakh per policy year, personal accident cover of up to ₹1 crore is available.
Features and Benefits:
- OPD consultations, including physical consultations, teleconsultations and video consultations with physicians and specialists are covered
- Daily cash benefit, annual health check-ups and vaccination cover are available
- Cost of home health care services, pharmacy services and diagnostic tests & investigations are covered
- Coverage for accidental death and permanent total/partial disability are available
- Accidental medical expenses and temporary total disability are covered
- Wellness benefits, including access to fitness centre and nutritionist, are available
Niva Bupa Antyodaya Shramik Suraksha is a personal accident insurance policy designed to compensate the insured in case of an accident.
Features and Benefits:
- Coverage for accidental death, permanent total disability and permanent partial disability are available
- Accidental medical expenses, last rites expenses and repatriation of mortal remains are covered
- Comatose benefit, children education allowance, terrorism cover and hospital daily cash are covered
The Niva Bupa SurroGuard plan covers the medical expenses incurred by surrogate mothers in India.
Features and Benefits:
- In-patient care, pre-hospitalization and post-hospitalization expenses are covered
- Domiciliary hospitalization and emergency ambulance cover are available
- Modern treatments and day care treatments are covered
The Niva Bupa Oocyte Guard plan pays for the medical expenditures incurred on oocyte retrieval anywhere in India.
Features & Benefits:
- Coverage for hospitalization expenses, modern treatments and day care treatments are available
- Emergency ambulance cover and home care treatment are available
Key Benefits of Niva Bupa Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search Niva Bupa Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a Niva Bupa Health insurance claim:
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Claim FormDuly filled and signed Niva Bupa Health insurance claim form
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Health Card/Policy CopyHealth card or a copy of Niva Bupa Health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsAll medical bills, including hospital bills and pharmacy bills, along with payment receipts
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KYC DocumentsKYC documents to be submitted for claims above ₹1 lakh
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
Choose Niva Bupa Health Insurance Coverage of Your Choice
The process to buy a Niva Bupa Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred Niva Bupa Health insurance policy and pay the premium online
The process to renew a Niva Bupa Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the Niva Bupa Health insurance policy you want to renew and pay the premium online
Here are the contact details of Niva Bupa Health Insurance Company:
| Categories | Contact Details |
|---|---|
| Customer Care Toll-free No. | 1800 309 3333 (For buying new policies) 1860 500 8888 |
| WhatsApp No. | 98119 56696 |
| Senior Citizen Helpline Email ID | seniorcitizensupport@nivabupa.com |
Niva Bupa Health Insurance: FAQs
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Q1. What is the cost of Niva Bupa health insurance?
Ans: The cost of a Niva Bupa health policy may differ for different people based on their age, health condition, city of residence, etc. However, you can use a Niva Bupa health insurance premium calculator to find the estimated price of your preferred policy.
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Q2. How can I check my Niva Bupa policy details?
Ans: You can check the details of your Niva Bupa health insurance policy by going through the policy documents issued by the insurer. Alternatively, you can also call the Niva Bupa health insurance customer care number to know the details of your policy.
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Q3. What is the tenure of Niva Bupa Health Insurance plans?
Ans: Niva Bupa Health Insurance plans are available for 1 year, 2 years and 3 years, depending on the chosen plan.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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