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Understanding the Niva Bupa claim reimbursement process

Posted On : 10 December 2021, 2 Years Ago. Health-Insurance
Health Insurance Process

An easy claim reimbursement process is one of the most significant deciding factors for anyone who invests in insurance to safeguard their health and that of their loved ones. Good health plans should not only provide the best possible care but also take away the hassle of arranging funds and dealing with hospital bills. If your health insurance policy cannot provide this, then its purpose is lost. 

Health insurance policycorporate health insurance policy and Travel insurance policy from Niva Bupa (formerly known as Max Bupa) have been designed specifically to provide comprehensive coverage and a simplified claim procedure so that you are free to focus on what is most important – your health.

Niva Bupa’s claim process is extremely straightforward. This blog will discuss everything you must know about Niva Bupa’s claim reimbursement process.



What is a Reimbursement Claim?

A reimbursement claim means a type of claim in which an insured must pay for medical costs and treatment out of pocket and then submit a claim to the insurance provider. For this type of claim, the insured may seek treatment at any hospital, not just the network hospital.

 

What are the Benefits of a Reimbursement Claim?

A reimbursement claim ensures that the insured person can access the best quality health care without worrying about the financial implications. Here are some benefits of such a claim:

 

  • It eliminates the necessity of an insurance company’s approval, as in cashless claims. Rather you can get admitted without wasting time and take care of expenses with a reimbursement claim.

 

  • It provides policyholders with the freedom to choose a healthcare centre of their choice. It means they can get admitted to the hospital they trust most and get reimbursement for the services.

 

  • A reimbursement claim system is more convenient for both patients and their families. They can get admitted to the hospital in their vicinity.

 

What is the Process for Claim Reimbursement?

The claim reimbursement process of Niva Bupa is relatively simple. Claim reimbursement refers to paying for your treatment out of pocket and getting the same reimbursed by the insurance company. This works best when you are being admitted to a hospital outside of your health insurance provider’s hospital network. While Niva Bupa has more than 7900 hospitals in its network, if needed, you can get admitted at any reputed hospital that is not within this network and apply for claim reimbursement. You can do so in four easy steps. 

 

  • Get hospitalised to get the necessary treatment and inform Niva Bupa within 48 hours.
  • Pay directly to the hospital or doctor.
  • Collect all medical reports, prescriptions, bills, payment receipts and the discharge certificate.
  • Upload the documents on the Niva Bupa website.

And you are done. The company will review all your documents and make the payment to you based on your health insurance policy terms. 

 

What are the Documents Required?

You will need a few essential documents to claim your health insurance with Niva Bupa. These include:

 

  • Duly filled claim form
  • Original medical reports
  • Pharmacy bills and prescriptions
  • Original hospital bills
  • Doctor’s/ Surgeon’s bill and receipt
  • Hospital discharge summary
  • Hospital bill receipt
  • Photo ID proof
  • Police FIR or post-mortem report if applicable

 

What are the Aspects to Consider Before Opting for a Reimbursement Claim?

 

Medical reimbursement claims could be a good option because of the flexibility it provides in terms of choosing the medical centre for treatment. We can choose any desirable hospital for treatment, not just the empanelled hospital.

However, before filing a reimbursement claim or choosing a non-network hospital, the following factors must be considered:

 

Health Plan Validity

It is critical to keep track of your health insurance tenure and expiry date to avoid being without coverage when you need it the most.

Coverage Scope

You must carefully read your health insurance policy document and make a note of all exclusions and inclusions. When you understand the scope of your health insurance coverage, you can better plan your treatment and the claim process.

Funding Availability

Because the initial payment is made out of pocket, you must check your funds' availability when planning for the treatment in a reimbursement claim.

Secure Your Documents

Keep track of all original documents, including bills, prescriptions, receipts, and any other documents required to file a claim.

Niva Bupa is a reputed name and is trusted by millions of people. Its extensive network of hospitals across the country, comprehensive coverage, high claim settlement ratio and smooth claims process make it the ideal partner to secure your health and peace of mind.

 

In closing

Niva Bupa is a reputed name and is trusted by millions of people. Its extensive network of hospitals across the country, comprehensive coverage, a high claim settlement ratio and a smooth claims process make it the ideal partner to secure your health and peace of mind.

Secure your health with comprehensive insurance plans from Niva Bupa

Tell us a bit about you

Whom are you buying for ?
Myself Icon Individual
Wife Icon Husband & Wife
Family Icon Family
Enter valid name
Enter Valid DOB
OTP sent Resend OTP Enter Valid Mobile Number
I authorize Niva Bupa to call me. This will override your existing registry in DNCR. I want to get my quote and policy details on WhatsApp.
FIND MY PLAN