With the current lifestyle, individuals are normally exposed to different types of diseases, and some of them require immediate medical attention. Simultaneously, healthcare costs are greater than ever. This is where the quick and efficient services of Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) come into the picture.
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Availability of insurance plans in different variants makes it simple for individuals to insure themselves against any unexpected medical conditions without incurring a lot of medical expenses. Niva Bupa (Formerly known as Max Bupa) Insurance offers both online as well as offline plans to its customers. In this article, we are mainly going to focus on its Niva Bupa (Formerly known as Max Bupa) Heartbeat Family Floater plan.
This plan offers coverage to your family members. It protects you and your loved ones against a medical emergency or accidental hospitalization. You can buy a 1 year or a 2-year plan and the coverage amount goes up to INR 50 lakhs in the gold plan. And the sum insured for the platinum plan goes up to INR 1 crore. Cashless treatment is also provided and pre-medical check-up is required to buy this plan.
There are 2 variants: Gold and Platinum plan
Prepare for future medical expenses with comprehensive cover options of INR 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 30 lakhs, and 50 lakhs.
The expenses covered in the Gold plan include:
The newborn baby is covered without any extra expenses. It includes vaccination expenses in the initial year if you continue to cover your baby for the subsequent year.
Sum insured options start from INR 15 lakhs, 20 lakhs, 50 lakhs, and INR 1 cr.
It also covers overseas treatment expenses except in the U.S.A & Canada, and the limit of compensation ranges from Rs 1.5 Lakhs to Rs 10 Lakhs. It covers the following treatments on payment of additional premium:
Your claim will be rejected under the following conditions:
It is a simple and straightforward process. You can follow the process listed below:
Identify a hospital and call the insurer’s International treatment number (you can find it in your policy kit)
And the process of identification and admission would require the following documents:
You will be given a reference number from our International claims team. Once you submit your documents and it is approved, then their specialized International claims team will take you through the cashless process. Your health will also be monitored while you are undergoing treatment overseas.
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