At Niva Bupa, we understand that when a medical situation arises, your primary focus should be on health and recovery. You don't want yourself to be looking around at complex financial procedures. Therefore, we've designed our claims process to be as straightforward and supportive as possible. It offers you flexibility and peace of mind through both Cashless and Reimbursement claim options.

Choosing a Reimbursement Claim with Niva Bupa offers you the distinct advantage of selecting any recognised hospital for your treatment, without being confined to our network. This flexibility ensures you can prioritise your preferred medical facility or specialist. Under this process, you would initially settle the medical expenses directly with the hospital. 

Subsequently, you can submit a claim to us to get these incurred costs reimbursed. We are committed to swiftly processing your reimbursement claim. It is typically within 7 days of receiving all necessary documentation, provided the claim is submitted to us within 30 days after your hospital discharge. 

To experience a smooth reimbursement, it is essential to furnish all original hospital bills. You must also collate detailed break-ups of charges, pharmacy bills, prescriptions, and all relevant medical records and investigation reports.

For your convenience, here is a quick checklist of primary documents usually required:

• Discharge Summary

• Bills & Receipts

• Prescriptions & Pharmacy Bills

• Investigation & Lab Reports

• Cancelled Cheque

• KYC Documents

Alternatively, our Cashless Claim facility provides an exceptionally quick, easy, and hassle-free experience. When you opt for treatment at one of our extensive network hospitals, you can avail yourself of medical services without the burden of immediate out-of-pocket expenses for covered treatments. We directly settle the eligible medical bills with the hospital.

Simply present your Niva Bupa Health Card or policy number and identification at the hospital's TPA desk. For planned hospitalisations, we recommend initiating the cashless request at least 48 hours before admission, and for emergencies, within 24 hours of admission. 

We are dedicated to expediting these requests, with initial cashless approvals often processed within 1 hour and final authorisations at discharge typically within 3 hours. This streamlined approach lets you concentrate fully on your recovery, knowing that we are efficiently managing the financial aspects. We also prioritise and expedite claims for senior citizens, ensuring a smooth and supportive experience.