Q1. Does Niva Bupa health insurance cover pregnancy?

Ans: Yes. Niva Bupa health insurance plans for maternity cover the medical expenses incurred during pregnancy.

Q2. Can I buy Niva Bupa maternity insurance if I am already pregnant?

Ans: No. Pregnant women cannot buy Niva Bupa maternity insurance plans.

Q3. How many pregnancies are covered by Niva Bupa maternity health insurance plans?

Ans: Niva Bupa health insurance plans for maternity will cover a maximum of two pregnancies during the lifetime of the insured woman.

Q4. Do all Niva Bupa health plans cover maternity expenses?

Ans: No, all Niva Bupa health insurance plans do not cover maternity expenses.

Q5. Can I claim maternity expenses under my Niva Bupa individual health policy?

Ans: No. Niva Bupa maternity health insurance plans cover maternity expenses only if both insured and his/her spouse are covered in a family floater policy.

Niva Bupa Health Insurance for Maternity

Niva Bupa Health Insurance for maternity covers the medical expenses incurred during pregnancy, including delivery charges, pre-natal & post-natal costs, etc. It also covers the cost of the newborn baby’s treatment and lawful termination of pregnancy. However, policyholders can avail maternity benefits under Niva Bup health plans after a waiting period of 2 years.

Niva Bupa Health Insurance Plans for Maternity

Take a look at the Niva Bupa health insurance plans that cover maternity expenses:

Name of the Plan	Delivery Expenses Limit	Maternity Waiting Period
Niva Bupa HeartBeat Plan	Rs 20,000 to Rs 2 lakh	2 years
Niva Bupa Health Premia Plan	Rs 35,000 to Rs 2 lakh	2 years

Eligibility Criteria for Niva Bupa Health Insurance for Maternity

Check out the eligibility criteria to buy a Niva Bupa maternity cover plan:

Categories	Eligibility Criteria
Minimum Entry Age	18 years
Maximum Entry Age	65 years
Renewability	Lifelong

Key Benefits of Niva Bupa Health Insurance for Maternity

Here are some of the key benefits of buying a Niva Bupa maternity insurance plan:

Coverage is available under family first and family floater variants
No pre-insurance medical check-up is required in most cases
Up to 15% term discount is available
Up to 20% co-payment discount is available
Maternity expenses incurred abroad are covered under some plans
Tax deductions on maternity health insurance premiums are available as per Sec 80D, Income Tax Act.
Niva Bupa Health Insurance Company processes most cashless claims within 30 minutes.

Inclusions of Niva Bupa Health Insurance for Maternity

The following maternity expenses are included in Niva Bupa health insurance plans:

Normal and C-section delivery expenses
Medical termination of pregnancy
Newborn baby cover
Vaccination of the newborn baby
Pregnancy complications
Pre-natal and post-natal expenses
Cord blood banking cost cover
Pharmacy and diagnostic services

Note: The above inclusions may vary from one maternity plan to another.

Exclusions of Niva Bupa Health Insurance for Maternity

Niva Bupa health insurance for maternity does not cover the following:

Harvesting or storage of stem cells
Pre-hospitalization and post-hospitalization expenses
Ectopic pregnancy
External congenital anomaly
Sterility and infertility
Dietary supplements and substances
Ancillary hospital charges

FAQs

Q1. Does Niva Bupa health insurance cover pregnancy?

Ans: Yes. Niva Bupa health insurance plans for maternity cover the medical expenses incurred during pregnancy.
Q2. Can I buy Niva Bupa maternity insurance if I am already pregnant?

Ans: No. Pregnant women cannot buy Niva Bupa maternity insurance plans.
Q3. How many pregnancies are covered by Niva Bupa maternity health insurance plans?

Ans: Niva Bupa health insurance plans for maternity will cover a maximum of two pregnancies during the lifetime of the insured woman.
Q4. Do all Niva Bupa health plans cover maternity expenses?

Ans: No, all Niva Bupa health insurance plans do not cover maternity expenses.
Q5. Can I claim maternity expenses under my Niva Bupa individual health policy?

Ans: No. Niva Bupa maternity health insurance plans cover maternity expenses only if both insured and his/her spouse are covered in a family floater policy.