Niva Bupa Health Insurance Waiting Period

Niva Bupa Health Insurance Waiting Period

Niva Bupa health insurance waiting period refers to the time frame that policyholders need to wait to file a Niva Bupa health insurance claim. It applies to various diseases & medical conditions and varies from one Niva Bupa health insurance plan to another. However, policyholders can claim medical expenses resulting from accidental injuries without serving any waiting period.

Types of Niva Bupa Health Insurance Waiting Period

Take a look at the various types of waiting periods that apply to Niva Bupa health insurance plans:

1. Niva Bupa Health Insurance Pre-existing Disease Waiting Period

   This waiting period must be served to claim the treatment cost of pre-existing diseases (PED), such as high BP, diabetes, asthma, etc.

2. Niva Bupa Health Insurance Specified Disease/Procedure Waiting Period

   Policyholders must serve this waiting period to file a Niva Bupa health insurance claim for specified diseases/procedures, such as PCOD, osteoarthritis, cataract surgery, etc.

3. Niva Bupa Health Insurance Initial Waiting Period

   This type of waiting period should be served to claim any Niva Bupa health insurance claim, except for accidental claims. 

4. Niva Bupa Health Insurance Maternity Waiting Period

   The insured can file a maternity insurance claim for delivery and childbirth after serving this waiting period.

5. Niva Bupa Health Insurance Critical Illness Waiting Period

   This waiting period should be served to get a lump sum benefit under a critical illness insurance policy on the diagnosis of a listed critical illness.

6. Niva Bupa Health Insurance Newborn Baby Cover Waiting Period

   Policyholders can claim the medical expenses incurred on the treatment of a newborn baby once this waiting period is over.

7. Niva Bupa Health Insurance HIV AIDS Cover Waiting Period

   This type of waiting period should be served to claim the treatment cost of HIV AIDS.

8. Niva Bupa Health Insurance Mental Disorders Treatment Waiting Period

   The insured can claim the medical expenses incurred on the treatment of mental disorders after serving this waiting period.

9. Laser Surgery Cover Waiting Period

   This waiting period must be served to claim the cost of undergoing laser-assisted surgeries.

10. Niva Bupa Health Insurance Personal Waiting Period

    Policyholders must serve this waiting period to claim the conditions specified by the insurer under the personal waiting period.

11. Niva Bupa Health Insurance Uterine Inversion Waiting Period

    This type of waiting period should be served to claim the medical expenses incurred on the treatment of a uterine inversion.

12. Niva Bupa Health Insurance Pituitary Apoplexy in Pregnancy Waiting Period

    The insured can claim the cost of treating a pituitary apoplexy in pregnancy after serving this waiting period.

13. Niva Bupa Health Insurance Cardiomyopathy Waiting Period

    This waiting period must be served to claim the treatment cost of cardiomyopathy, including peripartum and postpartum cardiomyopathy.

14. Niva Bupa Health Insurance Uterine Rupture Waiting Period

    Policyholders can claim the treatment cost of a uterine rupture after this waiting period is over.

15. Niva Bupa Health Insurance COVID-19 Treatment Waiting Period

    This waiting period should be served to cover the treatment cost of coronavirus disease from the Niva Bupa Health Insurance Company.

16. Niva Bupa Health Insurance Pre-existing Disability Waiting Period

    The insured must serve this waiting period to claim the expenses incurred on the treatment of a pre-existing disability.

List of Niva Bupa Health Insurance Waiting Period

Here is the list of waiting periods applicable to health insurance plans offered by the Niva Bupa Health Insurance Company:

Note: The Niva Bupa health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the Niva Bupa Health Insurance Waiting Period?

Yes. People can reduce the waiting period for pre-existing diseases from 3 years to 2 years or 1 year under Niva Bupa Aspire and Niva Bupa Rise plans. Similarly, they can reduce their waiting period for specified diseases from 2 years to 1 year under Niva Bupa Rise and Aspire plans. However, these benefits are available after paying an additional premium amount.

Things to Remember About Niva Bupa Health Insurance Waiting Period

Check out the various things to remember about the waiting period in Niva Bupa health insurance plans:

• Policyholders do not have to serve the initial waiting period to file an accidental claim under Niva Bupa health insurance plans.
• Any disease or medical condition diagnosed after purchasing the Niva Bupa health insurance policy is not considered a pre-existing condition.
• The insured must serve the critical illness waiting period and the survival period to be eligible to file a critical illness claim under Niva Bupa health insurance plans.
• A few Niva Bupa health insurance plans allow policyholders to reduce waiting periods for pre-existing diseases and specified diseases by buying an optional cover.

Niva Bupa Health Insurance Waiting Period: FAQs