Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy

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      Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy

      Arogya Sanjeevani is a standard health insurance policy that was launched by IRDAI from April 01, 2020. All the health insurance providers including Niva Bupa (Formerly known as Max Bupa) health insurance provide Arogya Sanjeevani health insurance policy. will be offered by all health insurance companies in India. The policy sum insured ranges from Rs 1 lakh to Rs 5 lakh. Check out the features, benefits, and coverage offered under Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy:

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      Key Features of Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Plan

      Arogya Sanjeevani Policy by Niva Bupa (Formerly known as Max Bupa) health insurance company comes loaded with the following features:

      • You can buy Arogya Sanjeevani plan on both Individual and family floater basis
      • Comprehensive health insurance cover at an affordable premium
      • People who cannot afford to pay a higher premium can buy this policy with a sum insured options up to Rs 5 Lakh
      • You can cover your loved ones under a single plan including your parents-in-law
      • It also covers expenses incurred on modern treatments
      • All the claims are subjected to 5% co-pay
      • The policy offers a free look period of 15-30 days
      • Cashless claim pre-authorization is given in 30-minutes
      • The insurer offers direct claim settlement facility

      Eligibility Criteria

      Entry Age for Adults

      18-65 years

      Entry Age for Children

      3 months to 25 years

      Policy Term

      1 Year

      Coverage

      Individual/Family Floater

      Members Covered

      Self, spouse, parents, children, parents-in-law

      Sum Insured

      Rs 1 Lakh – Rs 5 Lakh

      Renewability

      Lifelong

      Inclusions of Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy

      The policyholder can avail the following coverage benefits under this policy:

      • The policy covers room rent charges, nursing expenses, boarding expenses, ICU charges, etc.
      • Pre and post hospitalization expenses are covered for 30 days and 60 days respectively
      • Road ambulance charges are also recompensed
      • Cataract treatment expenses are also covered
      • Daycare treatments are also covered
      • Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy covers modern treatment expenses such as Uterine Artery Embolization, robotic surgeries, Bronchial Thermoplasty, oral chemotherapy, etc.
      • However, a co-payment of 5% is applicable on the claim amount

      Exclusions of Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy

      Claims for the following expenses shall not be covered under the Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani health scheme:

      • Any treatment which is taken overseas
      • Reconstructive and cosmetic surgeries
      • HIV and AIDS treatment
      • Unproven or experimental treatments
      • Inconsistent diagnostic procedures
      • Treatment required for psychiatric conditions and mental disorders
      • Obesity and weight control programs
      • Off-label drug or treatment
      • Puberty and menopause-related disorders
      • Reproductive medicine & other maternity expenses
      • Sexually transmitted infections & diseases
      • Sleep disorders
      • Unlawful activity
      • Unrecognized physician or hospital
      • Suicidal attempts and self-inflicted injuries
      • Any injury or illness directly or indirectly related to war conditions, nuclear radiations and radiological emissions
      • Any diseases or illness caused after the consumption of alcohol and drugs
      • Involvement in adventure sports or activities

      How to Renew Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy?

      This policy can be renewed for a lifetime and the process of renewing Arogya policy by Niva Bupa (Formerly known as Max Bupa) Insurance is quite simple and convenient. The renewal process of Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani medical policy is as follows-

      • Go to the insurer’s or Policy Bazaar’s website
      • Click on the policy renewal option
      • Provide your medical insurance policy number
      • Click on the submit option
      • You will know the amount of premium renewal
      • Go to pay now option and make the payment online for your policy renewal

      Claim Process of Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy

      To file a claim for a planned treatment you should inform the insurer 72 hours before hospitalization If it is an emergency hospitalization inform the insurance company at least 24 hours after the hospitalization. However, the procedure for cashless and reimbursement claims is elucidated below-

      Cashless Claim Procedure at Network Hospitals

      You can avail cashless treatment at a network hospital only. You can check the list of network hospitals on their site. Please follow the process described below.

      • Firstly, take admission in a network hospital
      • For easy identification, you use your Niva Bupa (Formerly known as Max Bupa) Health Card/PAN card/Policy Number/ Voter
      • Hospital authorities will validate your identity proof. After that, the pre-authorization request will be submitted to the Niva Bupa (Formerly known as Max Bupa) medical insurance team
      • A confirmation email or fax will be sent to the hospital team. You will receive the confirmation on SMS also
      • Once all the formalities are completed, the claim will be settled

      Reimbursement Claim Procedure in Non-network Hospitals

      • If you take the treatment in a non-network hospital notify the insurer within 72 hours of the treatment
      • Pay all the bills to the hospital for the treatment
      • Before the discharge do not forget to collect the medical reports, documents, discharge

      Certificate, and Original Invoices

      • Now fill the claim form and sign it before sending it to the insurer. All attach all the documents with your age proof and valid ID proof. The claim form is available in the policy documents and on the insurer’s site.
      • Once all the formalities are completed, your claim request will be reviewed and, based on the same your medical insurance claim will be accepted or rejected
      • On approval, your claim will be settled, and the amount will be reimbursed

      Documents Required

      Following documents are required to file a claim with Niva Bupa (Formerly known as Max Bupa) health insurance company:

      • Duly filled and signed claim form
      • KYC form
      • Hospital discharge certificate
      • Medical reports/ receipts/bills
      • Doctor’s prescription and consultation letter
      • Copy of Niva Bupa (Formerly known as Max Bupa) medical insurance policy
      • Copy of PAN Card and address proof
      • Death certificate/post-mortem report (accidental death)
      • I.R report (accidental cases)

      Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy Terms and Conditions

      • Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani policy covers pre-existing diseases after a waiting period of 48 months
      • A waiting period of 24 months applies to specific illnesses such as cataract surgery, etc.
      • All the claims filed in the initial 30 months are not covered

      Niva Bupa (Formerly known as Max Bupa) Arogya Sanjeevani Policy FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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