Niva Bupa Health Insurance Portability

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      Niva Bupa Health Insurance Portability

      Niva Bupa Health Insurance Company offers the portability feature that enables policyholders of other insurance providers to shift to a Niva Bupa health insurance plan seamlessly. It permits policyholders to transfer to a Niva Bupa health policy while safeguarding their accrued benefits. Individuals have the flexibility to make this transition about 45 days before their existing policy's renewal date.

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      Benefits of Porting to a Niva Bupa Health Insurance Policy

      Here are several notable advantages of porting to a Niva Bupa health insurance policy:

      • Opt for Better Coverage Benefits – Most people port to a new health policy to enhance their existing medical coverage and gain access to improved services from the insurance provider at no extra cost. For instance, individuals can switch to a Niva Bupa health insurance policy to avail of benefits, such as the no room rent limit, unlimited restoration benefit, OPD benefit, annual health check-ups, etc.
      • Pay Reduced Premiums – Individuals can seamlessly shift to a Niva Bupa health policy available for a lower premium with the help of the portability feature. This is particularly advantageous if their current policy, offering comparable coverage, has become costlier due to the age of the insured or the insurer's underwriting policies.
      • Continuation of Served Waiting Periods – With portability, the waiting periods served under the existing health policy are carried forward to the Niva Bupa health insurance policy. This enables policyholders to serve only the outstanding waiting periods once the portability process is complete.
      • Retention of No Claim Bonus (NCB) – The policyholder can retain the accumulated No Claim Bonus from the previous policy after porting to a Niva Bupa health policy. For instance, if the previous policy's NCB stands at 20%, this exact percentage will be maintained in the Niva Bupa health insurance policy after porting.

      How to Port to a Niva Bupa Health Insurance Policy?

      The online process has made porting to a Niva Bupa health insurance policy effortless. Check out the steps for porting to a Niva Bupa health insurance policy online on Policybazaar.com:

      Step 1: Select a Niva Bupa health insurance policy you wish to purchase.

      Step 2: Notify Policybazaar around 45 days before your current policy expires to initiate the porting request for your preferred Niva Bupa health policy.

      Step 3: Complete and submit the online proposal and portability forms to Policybazaar.

      Step 4: Make the premium payment for the selected Niva Bupa health insurance policy.

      Step 5: Policybazaar will forward your request for portability to the Niva Bupa Health Insurance Company.

      Step 6: The insurance company will gather information on your claim history and medical records from your existing insurer. This data may also be obtained from the IRDAI website.

      Step 7: The existing insurance company will share the requested information with the Niva Bupa Health Insurance Company within 7 working days through the IRDAI's data-sharing portal. Delays in data sharing could postpone the decision on your portability request.

      Step 8: Niva Bupa Health Insurance Company will evaluate the provided information and accept or reject your portability request within 15 days. If no decision is made during this timeframe, your portability request will be automatically accepted.

      Documents Required for Niva Bupa Health Insurance Portability

      Here is the list of documents needed for porting to a Niva Bupa health insurance policy:

      • Comprehensive details of claim history from previous insurance policies.
      • Relevant medical documents, including test reports, doctor’s prescriptions, and hospital discharge certificates, in case of prior claims.
      • Copy of medical insurance policies from the previous year.
      • Most recent renewal notice clearly indicating the NCB status.

      How Does NCB Work Under Niva Bupa Health Insurance Portability?

      When porting an existing policy to Niva Bupa health insurance, the previous policy’s accumulated No Claim Bonus works differently under the following scenarios:

      Scenario 1: When the policyholder chooses a Niva Bupa health policy with the same base sum insured, the waiting periods from the previous policy will be sufficient.

      For instance: Let's assume Atul possesses a health policy with a base sum insured of Rs 7.5 lakh and an NCB of Rs 2.5 lakh. If he decides to switch to a Niva Bupa health insurance policy with a base sum insured of Rs 7.5 lakh, the waiting periods served under the previous policy will be carried forward, and he will not have to serve any additional waiting periods.

      Scenario 2: When the policyholder ports to a Niva Bupa health policy with a base sum insured equal to the previous policy's base sum insured combined with the NCB, the waiting periods of the prior policy suffice.

      For example: Let’s assume Atul holds a health policy with a base sum insured of Rs 7.5 lakh and an NCB of Rs 2.5 lakh. If Atul decides to port to a Niva Bupa health insurance policy with a base sum insured of Rs 10 lakh, the waiting periods from the previous policy will be enough, and no additional waiting periods will have to be served. This is because the sum of the existing policy's base sum insured (Rs 7.5 lakh) and the NCB (Rs 2.5 lakh) is equivalent to the base sum insured (Rs 10 lakh) of the Niva Bupa health policy.

      Scenario 3: When the base sum insured of the Niva Bupa health policy is higher than the base sum insured plus NCB of the previous policy, the policyholder will have to serve the waiting period for the additional coverage amount.

      For instance: Let’s assume Atul's existing health policy has a base sum insured of Rs 7.5 lakh and an NCB of Rs 2.5 lakh. If Atul decides to buy a Niva Bupa health insurance policy offering a base sum insured of Rs 15 lakh, the waiting periods covered under the previous policy will suffice for claims up to Rs 10 lakh. However, the policyholder will have to serve standard waiting periods to claim the additional Rs 5 lakh.

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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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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 (Life & General)| 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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