Niva Bupa ReAssure 3.0 Plan

Plan Highlights

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      About Niva Bupa ReAssure 3.0 Plan

      Niva Bupa ReAssure 3.0 is a comprehensive health insurance plan that allows policyholders to opt for an unlimited sum insured option. It provides a claim amount equivalent to the policy sum insured unlimited times during the lifetime of the policy, except for the first claim, with the ReAssure Forever benefit. It also carries forward unutilized sum insured for up to 10X of the base coverage amount with the Booster+ benefit.

      This Niva Bupa health insurance policy also locks your premium at entry age unless a claim is raised with the Lock the Clock benefit. It also pauses and extends policy coverage by up to 30 days in case of overseas travel with the Flight Mode benefit. Moreover, the plan comes with lucrative benefits, including annual health check-ups, consumables cover, hospital daily cash, personal accident cover, critical illness cover, etc.

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      Eligibility
      Adult minimum entry age
      18 years
      Adult maximum entry age
      99 years
      Renewability
      Lifetime
      Child minimum entry age
      91 days
      Child maximum entry age
      30 years
      Get more details ›
      Cholamandalam Health Insurance
      Get more details ›

      Niva Bupa ReAssure 3.0 Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹5 lakh to no limit
      Pre-Policy Medical Check-ups May be required
      Pre-existing Diseases Waiting Period 3 years
      Discounts Up to 30% live healthy discount
      15% NRI discount
      Up to 12.5% tenure discount
      10% family discount
      10% pre-issuance preventive test discount
      10% IRDAI 2047 vision benefit discount
      5% digital discount
      5% doctor discount
      2.5% standing instruction discount
      2.5% early renewal discount
      Check premium ›

      ReAssure 3.0 Select Features

      All Features
      What’s covered
      What’s not covered
      Highlights
      Coverage
      Value Added Services
      Waiting periods
      Additional Features
      Maternity Benefit(s)
      Policy Documents
      What we love
      Get unlimited health coverage at an affordable price
      2 Hour HospitalizationKnow more ›
      Well consult +Know more ›
      Carry forward unused base sum insured up to 10XKnow more ›
      Coverage
      Room rent limit
      Twin Sharing
      Room rent limit is the maximum amount per day cost allowed by the insurer. Related expenses, such as doctor consultation etc. are paid in proportion to the room rent limit. Look out for plans with No Room Rent limit
      Restoration of cover
      Rs 10 lakh unlimited times in a year; both related and unrelated illness. This will be carried forward at every renewal maximum up to 100%
      Very useful feature, in case the sum Insured gets exhausted in a year due to multiple claims or a large claim. Insurer restores the sum insured to provide continued coverage to policyholders.
      Renewal Bonus
      Rs 10 Lac per year maximum upto 1 Cr. Remaining unutilized will be carry forward maximum upto 1 Cr under booster+ benefit
      Renewal bonus is the extra sum insured added at the time of policy renewal as per the terms and conditions specified in the policy.
      Co-pay
      Full claim paid by Insurer
      Co-pay is the share of claim to be paid by the policyholder, while the rest is paid by the insurer. Always look out for plan with 0% co-pay or minimum co-payment.
      Pre-hospitalization coverage
      60 days
      Expenses incurred BEFORE hospitalization, such as doctor visits, diagnostic tests etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-90 days) prior to hospitalization.
      Post-hospitalization coverage
      180 days
      Expenses incurred AFTER hospitalization, such as doctor visits, medicines etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-180 days) after the hospitalization.
      Day care treatment
      All day care treatments are valid. Get covered even with just 2 hours of hospitalization—no need to meet the 24-hour minimum requirement.
      Treatments that do not require hospitalization, such as Cataract, Chemo etc.
      Hospitalization at home
      Covered upto SumInsured
      This feature covers for scenarios where hospital bed is not available AND the doctor has recommended treatment at home.
      Ambulance charges
      Road ambulance upto Rs 2,000 per hospitalization
      Covers for ambulance charges before or after the hospitalization.
      Cashless hospitals
      11028 cashless hospitals in India
      Check in your city
      Hospitals that have a direct tie-up with the insurance company, where insured can avail cashless treatment. Larger the network in your area, better it is.
      Value Added Services
      Mid year member addition
      Child aged upto 91 days and newly wedded spouse can be added in the policy after issuance
      Free health checkup
      Available as an optional cover
      Complimentary health checkups in the policy to ensure wellbeing of the policyholders.
      E-consultation
      Unlimited e-consultation within our network.
      Free Online doctor consultation(s) is an additional feature to keep your health in check
      Discount on Renewal
      Live Healthy discount Up to 30% on premium at the time of Renewal.
      An additional discount for staying active and fit. Can be availed at the time of renewal
      Daily cash allowance
      Available as an optional cover
      Insurer offers a fixed daily payout for each day till the time the policyholder remains hospitalized. Covers for expenses such as meals, transport etc. of the attendant.
      Out patient consultation benefits
      Not covered
      This feature covers doctor consultations, diagnostic tests and pharmacy costs. Offered by a few insurers as a part of the plan and otherwise available as an optional rider
      Waiting periods
      Existing Illness cover
      3 Year
      The minimum period policyholder needs to wait before filing a claim. In case of pre-exisitng illnesses such as diabetes, thyroid etc., look for plans with less waiting periods.
      Initial Waiting Period
      30 days
      The amount of time you’ll have to wait from the date of issue to actively start using your health insurance policy and benefiting from it.
      Specific Illness cover
      2 Year
      Certain diseases or medical conditions and procedures may come with a specific waiting period.These may include cataracts, ENT disorders, osteoporosis, hernia, joint replacement surgery, etc. The waiting period for such illnesses can vary from 2 to 4 years, depending on the policy’s terms and conditions.
      Additional Features
      Alternate medicine (AYUSH)
      Covered upto SumInsured
      Few diseases may require alternate treatment such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH). Do check if your plan covers the same and up to what limits.
      Worldwide coverage
      Not covered
      The higher the coverage the better as medical treatments abroad are expensive.
      Domestic evacuation
      Not covered
      This feature refers to the process of transferring an individual to his home country for medical treatment from the location where he/she suffered a medical emergency. A really important part of health insurance plan for the frequent travellers
      Consumables Coverage
      Available as an optional cover
      Consumables are usually, but not restricted to, medical aid/ equipment that have to be discarded after use. The cost incurred from the consumables is directly billed to the patient, if not covered in the health insurance policy.
      Cover for organ donor
      Covered upto SumInsured
      Covers for Organ transplants. Hence if an individual is looking to avail such a procedure in the near future, he/she must take a plan with high cover amount
      Animal bite vaccination
      Not covered
      Covers vaccination costs in case of an animal bite such as dog bite
      Maternity Benefit(s)
      Maternity cover
      Not covered
      Covers for expenses incurred on child delivery, pre and post-natal expenses are covered. Suitable for couples planning or expecting a child. Do check the waiting periods in your plan.
      New Born Baby cover
      Not covered
      This provides coverage for medical expenses associated with the infant health
      Baby Addition to Policy
      Baby addition is allowed from 91 days of date of birth
      This allows addition of a baby after 90 days of the delivery within the sum insured for an additional premium
      Pre and Post Natal benefit
      Not covered
      This covers the medical expenses incurred during pregnancy before and after delivery
      Download policy documents
      We have summed up the plan for you but if you are still curious read all the fine prints here
      One Pager
      Policy Wordings
      Prospectus
      Network list
      Disclaimer: The plan features detailed are for a ₹10 Lakh cover. Not all features may be applicable to your specific profile.
      Buy now ›

      Search ReAssure 3.0 Select Cashless Network Hospital list

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        Key Benefits of Niva Bupa ReAssure 3.0 Plan

        Coverage for 2 Hours Hospitalization
        Coverage for 2 Hours Hospitalization
        Unlike most plans, this health insurance policy covers the medical expenses incurred during a hospitalization of 2 hours or more.
        Unlimited Sum Insured Option
        Unlimited Sum Insured Option
        This Niva Bupa health insurance policy comes with an unlimited sum insured option, allowing policyholders to opt for any sum insured of their choice.
        Unlimited Restoration of Sum Insured
        Unlimited Restoration of Sum Insured
        With the ReAssure Forever benefit, every claim paid by the insurance company throughout the lifetime of the policy will be up to the base sum insured amount. However, this benefit is triggered after the first claim.
        No Hike in Premiums
        No Hike in Premiums
        The Lock the Clock benefit locks your age at the time of buying the policy and charges the same premium every year without any hike unless a claim is raised.
        Carry Forward Unutilized Sum Insured
        Carry Forward Unutilized Sum Insured
        The unutilized sum insured from a policy year is carried forward to the next year, for up to 10 times of the base coverage amount, with the Booster+ benefit.
        Global Coverage
        Global Coverage
        This global health insurance policy covers emergency and planned treatments outside India with the Borderless benefit. However, this benefit is available as an optional cover.
        Annual Health Check-ups
        Annual Health Check-ups
        Niva Bupa Health Insurance Company pays for annual health check-ups from day 1 of the policy on a cashless and reimbursement basis. However, this benefit is available as an optional cover.
        30% Discount on Premiums
        30% Discount on Premiums
        Policyholders can earn a health insurance discount of up to 30% on renewal premiums by earning health points rewarded for walking 1000 steps every day.
        Unlimited E-Consultations
        Unlimited E-Consultations
        This mediclaim policy allows the insured to avail unlimited teleconsultations from doctors empanelled with the insurance company.
        Value-Added Services
        Value-Added Services
        The Surprise benefit allows the insured to avail various value-added services through the Niva Bupa mobile application, including specialist consultations, diagnostic services, pharmacy, ambulance booking, health risk assessment and condition management programs.
        Niva Bupa Premium Club Membership
        Niva Bupa Premium Club Membership
        Policyholders can opt for NivaBupaOne, which is a premium club offering executive health check-ups and fast-track priority for claim assistance and policy servicing. However, this benefit is available as an optional cover.
        Tax Benefits
        Tax Benefits
        The premium paid for buying a Niva Bupa ReAssure 3.0 plan is eligible for tax deduction under Section 80D of the Income Tax Act.
        View more benefits
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        Niva Bupa ReAssure 3.0 Plan Inclusions, Exclusions & Optional Cover

        Inclusion
        Exclusion
        Optional Cover
        1. Hospitalization Expenses
          It pays for the cost of getting admitted to a hospital for 2 hours or more.
        2. Road Ambulance
          It covers medical expenses incurred on availing the services of a registered road ambulance to transport the insured to the hospital.
        3. Air Ambulance
          It pays for the cost of availing registered air ambulance services to transport the insured to the nearest hospital during a medical emergency.
        4. AYUSH Treatment
          It covers medical expenses incurred on obtaining AYUSH treatment for a minimum of 24 hours in an AYUSH hospital.
        5. Modern Treatments
          It pays for the cost of availing 12 modern treatments, including robotic surgeries, balloon sinuplasty, stem cell therapy and oral chemotherapy.
        6. Pre-Hospitalization Expenses
          It covers medical expenses incurred on doctor consultations, diagnostic tests and medicines for up to 60 days before getting hospitalized.
        7. Post-Hospitalization Expenses
          It pays for doctor consultations, physiotherapy, diagnostic tests and medicines for up to 180 days after getting discharged from the hospital.
        8. Home Care/ Domiciliary Treatment
          It covers the medical treatments taken at home on the advice of a doctor that would otherwise require hospitalization. It also pays for pre & post-hospitalization expenses.
        9. Organ Donor Expenses
          It pays for the cost of harvesting the donated organ in case the insured is undergoing a transplant surgery or donating the organ.
        10. Second Medical Opinion
          It covers the cost of availing a second medical opinion for a health condition or treatment unlimited times a year from a specialist or super specialist empanelled with the insurance company.
        11. E-Consultation
          It allows the insured to avail unlimited e-consultations from a doctor within the insurer’s network.
        View more Inclusions
        1. Maternity Expenses
          It excludes the medical expenses incurred on pregnancy and childbirth.
        2. Obesity & Weight Control Treatments
          It does not pay for the cost of obesity and weight-control treatments.
        3. Cosmetic or Plastic Surgery
          It excludes the cost of undergoing a cosmetic or plastic surgery unless necessitated medically.
        4. Hazardous or Adventure Sports
          It does not cover the cost of treating injuries due to hazardous or adventure sports.
        5. Alcoholism or Drug Addiction
          It does not pay for the treatment cost of alcoholism or drug addiction.
        6. Sterility and Infertility
          It excludes medical expenses resulting from sterility and infertility treatments.
        1. Hospital Daily Cash
          It pays a fixed cash allowance for each day of hospitalization for a maximum of 30 days.
        2. Personal Accident Cover
          It provides compensation in case of accidental death, permanent total disability and permanent partial disability of the insured.
        3. Personal Accident (Lite) Cover
          It pays a lump sum benefit in case of the accidental death of the insured.
        4. Personal Accident (Pro) Cover
          It provides compensation for accidental death, permanent total disability & permanent partial disability of the insured and covers the OPD expenses resulting from an accidental injury.
        5. Claim Safeguard+
          It pays for non-payable items or non-medical expenses incurred during in-patient hospitalization of the insured.
        6. Annual Aggregate Deductible
          It allows the policyholder to opt for an annual aggregate deductible that must be paid before raising a claim.
        7. Co-Payment
          It enables the policyholder to opt for a voluntary co-payment for every claim.
        8. Pre-existing Disease Waiting Time Modification
          It allows the policyholder to reduce or increase the waiting period for pre-existing diseases (PED).
        9. Specific Disease Waiting Time Modification
          It enables the policyholder to increase or decrease the waiting period for specific diseases.
        10. Annual Health Check-up (Cashless Only)
          It covers the cost of availing preventive health check-ups once a year from day 1 of the policy on a cashless basis.
        11. Annual Health Check-up (Cashless + Reimbursement)
          It pays for the cost of availing annual health check-ups from day 1 of the policy on a cashless and reimbursement basis.
        12. Cash-Bag+
          It allows the policyholder to earn discounts on every claim-free year, a block of every 3 years or every referral that can be used to pay for OPD expenses, non-medical items, deductibles, co-payments and premiums.
        13. NivaBupaOne
          It provides access to Niva Bupa's premium club that offers executive health check-ups and fast-track priority for policy servicing and claim assistance.
        14. HeadsUp
          It allows the insured to get treated at a recommended hospital for an informed illness or surgery, provided the insurer is informed 48 hours before a planned hospitalization and within 24 hours of an emergency admission.
        15. Tiered Network
          It provides a specific list of hospitals where the insured is allowed to avail treatment under this health policy.
        16. Borderless
          It covers emergency and planned medical treatments obtained anywhere across the world.
        17. Borderless for Specific Illness
          It pays for the cost of availing planned medical treatments for 9 specific illnesses anywhere across the world.
        18. Wellconsult+
          It covers the medical expenses incurred on wellness and OPD benefits, including tele/video doctor consultations, diagnostics, pharmacy, dental procedures, ophthalmological consultations, physiotherapy consultations and gym memberships.
        19. ElderOne
          It provides wellness services for senior citizens, including regular virtual check-ins, virtual mental health sessions, a dedicated relationship manager, cognitive health screening and a care concierge desk.
        20. Third Medical Opinion
          It covers the cost of availing a third medical opinion from a specialist or super specialist from the insurer's network.
        21. Second Medical Opinion Express
           It allows the insured to obtain a second medical opinion from any doctor once a year.
        22. Medical Equipment
          It pays for the cost of medically necessary equipment needed to resume day-to-day life after an accidental injury.
        23. Emotional Wellness for Adults
          It provides online sessions for emotional wellness through a network partner of the insurance company.
        24. Mind Wellness Counselling
          It offers online sessions for emotional, mental and mind wellness through a network partner of the insurance company.
        25. Sexual Health Wellness
          It provides online sessions for sexual health wellness through a network partner of the insurance company.
        26. Health Risk Assessment
          It allows the insured to take an overall health assessment online on the Niva Bupa app to stay updated about their health and lifestyle.
        27. Wellness for Women
          It provides wellness services for women, including access to Ayurvedic Setu for fertility, garbh sanskar for pregnancy, stress management for PCOS/menopause, a dedicated personal coach and online yoga, dance & strength training.
        28. EyeGuard
          It covers the medical expenses incurred on eye care and vision protection, including prescription glasses, ophthalmologist consultations, basic eye check-up, non-prescription glasses and discounts on eye surgeries.
        29. Live-Fit
          It provides the insured with services to stay fit, active and healthy, including diet & nutrition coaching, gym memberships, global workout classes, AI-led smart fitness coaching, activity tracking and health & wellness content.
        30. Accident Care
          It pays for ICU@home, nursing care at home, blood transfusion, physiotherapy & single nurse procedural visit in case of accidental injury and provides financial guidance in case of an accidental death of the insured.
        31. Health Vouchers
          It provides health vouchers that can be used for consultations with specialists, condition management programs, access to health content, etc.
        32. Critical Illness Cover
          It pays a lump sum benefit in case the insured is diagnosed with a critical illness for the first time.
        33. Compassionate Visit
          It covers the cost of an economy class air ticket or a railway return ticket for an immediate family member if the insured is hospitalized for more than 10 consecutive days.
        34. Pre-Hospitalization Modification
          It allows the policyholder to reduce or increase the number of days under pre-hospitalization cover.
        35. Post-Hospitalization Modification
          It enables the policyholder to increase or decrease the number of days under post-hospitalization cover.
        36. Flight-Mode
          It allows the policyholder to pause and eventually extend coverage for a maximum of 30 days in case of travelling abroad.
        37. Initial Wait Period Modification
          It enables the policyholder to reduce the initial waiting period of 30 days.
        38. Vaccination Cover
          It covers the cost of availing 13 vaccinations once a year, including vaccines for hepatitis A, cervical cancer, tetanus, influenza, hepatitis B, MMR and typhoid.
        39. Convalescence Benefit
          It pays a fixed amount in case the insured is hospitalized for more than 10 consecutive days.
        40. Dependent Accommodation Benefit
          It provides a daily allowance for the stay of an immediate family member if the insured is hospitalized for over 10 consecutive days.
        41. International Cover
          It provides overseas coverage for emergency hospitalization, OPD treatment, emergency medical evacuation, loss of passport, trip cancellation, trip delay, etc.
        42. Modern Treatments+
          It removes the applicable sub-limits on modern treatments. However, this benefit is available under Classic and Select variants only.
        43. Air Ambulance+
          It covers the medical expenses incurred on 12 modern treatments. However, this benefit is available under Classic and Select variants only.
        View more Optional Covers
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        Niva Bupa ReAssure 3.0 Plan Waiting Periods

        Categories Waiting Period
        Pre-existing Disease Waiting Period 3 years
        Specific Disease/Procedure Waiting Period 2 years
        Initial Waiting Period 30 days
        Critical Illness Waiting Period 90 days
        Personal Waiting Period 4 years
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        • On ground claims support##(In 120+ cities)
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        ₹1000 Cr worth of claims assisted in 2022-2023
        How we helped our customers

        Policybazaar Claim Process

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        In case of emergency we are just a call away.

        • Inform your Dedicated Relationship Manager
        • Or, Call us on the 24x7 toll-free helpline 1800-258-5881
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        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

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        If you are not a Policybazaar customer you can view Niva Bupa Health Insurance claim process here 👇
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        Niva Bupa ReAssure 3.0 Plan: FAQs

        • Q1. Is Niva Bupa ReAssure 3.0 cashless?

          Ans: Yes. The Niva Bupa ReAssure 3.0 plan offers cashless treatment facilities across all hospitals in India. All you need to do is inform the insurer about your emergency hospitalization within 48 hours and planned hospitalization at least 48 hours in advance.

        • Q2. Where can I check the price of the Niva Bupa ReAssure 3.0 plan?

          Ans: You can check the price of the Niva Bupa ReAssure 3.0 plan by going through the premium chart available on their website or by speaking to their customer care. You can also use a Niva Bupa ReAssure 3.0 premium calculator on Policybazaar.com to know the price of the policy.

        • Q3. How can I check the Niva Bupa ReAssure 3.0 plan details?

          Ans: You can check the Niva Bupa ReAssure 3.0 plan details by reading its policy documents available on the official website of the insurance company. You can also contact the customer support team of the insurer to know the policy details.

        • Q4. Which hospital room type is allowed under the Niva Bupa ReAssure 3.0 plan?

          Ans: The eligible hospital room type under the Niva Bupa ReAssure 3.0 plan varies as per the plan variant. While the Niva Bupa ReAssure 3.0 Black variant covers any room category, the Classic variant covers twin-sharing rooms only. Similarly, the Niva Bupa ReAssure 3.0 Elite plan covers all types of hospital rooms, except for deluxe rooms and suites, the Classic variant covers general rooms only.

        • Q5. Can we claim medical bills in Niva Bupa ReAssure 3.0?

          Ans: Yes. You can claim medical bills in the Niva Bupa ReAssure 3.0 plan by raising a health insurance claim with the insurance company.

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Super CareReAssure 3.0 Select vs Double WalletReAssure 3.0 Select vs Infinity WalletReAssure 3.0 Select vs Worldwide TreatmentReAssure 3.0 Select vs Bharat XReAssure 3.0 Select vs Flexi HealthReAssure 3.0 Select vs LifetimeReAssure 3.0 Select vs Prime – ProtectReAssure 3.0 Select vs Prime Active (Diabetes/ BP/ Asthma)ReAssure 3.0 Select vs Prime – AdvantageReAssure 3.0 Select vs Prime Senior Classic PlanReAssure 3.0 Select vs Prime Senior Elite PlanReAssure 3.0 Select vs Sarvah - UttamReAssure 3.0 Select vs Sarvah - ParamReAssure 3.0 Select vs Arogya SanjeevaniReAssure 3.0 Select vs Health GainReAssure 3.0 Select vs Health Infinity (More Time)ReAssure 3.0 Select vs Health Infinity (More Cover)ReAssure 3.0 Select vs Health Infinity (More Global)ReAssure 3.0 Select vs Digi ProReAssure 3.0 Select vs A Plus SilverReAssure 3.0 Select vs A Plus GoldReAssure 3.0 Select vs A Plus DiamondReAssure 3.0 Select vs Optima RestoreReAssure 3.0 Select vs Optima SecureReAssure 3.0 Select vs Optima Super SecureReAssure 3.0 Select vs Optima SelectReAssure 3.0 Select vs Health AdvantEdgeReAssure 3.0 Select vs Max Protect ClassicReAssure 3.0 Select vs Max Protect PremiumReAssure 3.0 Select vs ElevateReAssure 3.0 Select vs Elevate ValueReAssure 3.0 Select vs Elevate ComboReAssure 3.0 Select vs Youth Eco Care BasicReAssure 3.0 Select vs Youth Eco Care PremiumReAssure 3.0 Select vs LiveWiseReAssure 3.0 Select vs Promise - PremierReAssure 3.0 Select vs Promise - EliteReAssure 3.0 Select vs Promise - Signature
        View more comparisons
        Other Niva Bupa Health Insurance Insurance Plans
        Heartbeat IndividualHeartbeat Family FirstHeartbeat Family FloaterHealth Assurance Critical IllnessHealth Companion IndividualHealth Companion Family FloaterHealth Companion Family FirstEmployee FirstHospital CashPulse Individual PlanReassure Family Floater PlanPremia Individual PlanMoney Saver Individual PlanMoney Saver Family FloaterPremia Family FirstHealth PremiaNiva Bupa ReAssure 2.0 PlanNiva Bupa Aspire Health Insurance PlanNiva Bupa Senior First PlanNiva Bupa Rise PlanNiva Bupa ReAssure 3.0 Plan
        View more plans
        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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        Niva Bupa Health Insurance claim process

        Niva Bupa Health Insurance offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:

        1
        Step 1: Find network hospital
        • Find the nearest network hospital of Niva Bupa Health Insurance
        • Get admitted to the hospital
        2
        Step 2: Inform Niva Bupa Health Insurance
        • Notify the insurance company about the hospitalization
        • In case of pre-planned hospitalization, intimate the insurer before hospital admission.
        3
        Step 3: Get Pre-authorization
        • Fill up the pre-authorization form and submit it to the hospital staff
        • The pre-authorization form will be sent to Niva Bupa Health Insurance for approval.
        • Once approved, obtain medical treatment.
        4
        Step 4: Hospital Discharge
        • At the time of discharge, sign all the medical documents.
        • Pay for the items/services not covered under the Niva Bupa Health Insurance policy
        5
        Step 5: Claim settlement
        • The network hospital will send the hospital bill to Niva Bupa Health Insurance.
        • After review, the insurance company will pay the bill amount directly to the network hospital.
        1
        Step 1: Get Hospitalized
        Get admitted to a non-network hospital of the insurance provider
        2
        Step 2: Intimate the Insurance Company
        • Inform the insurance company about the hospitalization
        • In case of planned hospitalization, notify the insurer before hospital admission.
        • Receive medical treatment
        3
        Step 3: Hospital Discharge
        • At the time of discharge, pay the entire hospital bill in full.
        • Collect all the medical documents, bills and payment receipts
        4
        Step 4: Submit Documents
        Send all the required documents to the insurance company
        5
        Step 5: Settlement of Claim
        The insurance company will review the documents and pay the claim amount.
        Policybazaar 30 mins Claim Support

        Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim

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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.

        *₹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. 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 09/06/2027, 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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