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By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.5 Lakh Health Insurance
Secure your health and finances with a ₹5 Lakh health insurance plan. It is ideal for covering rising medical costs without straining your savings. Enjoy comprehensive protection, cashless treatment, and peace of mind when you need it most.
Network of 10,000+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.5 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.5 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need
30 min
Cashless Claim Processing 1
15 Lakh+
Claims paid since inception 2
1.5 Crore+
Happy customers served till date
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Get comprehensive coverage for your entire family under a single health insurance plan.
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Premium Calculator
Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:
Hospital Admission:
Get admitted to a Niva Bupa network hospital.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request.
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
Benefits of Health Insurance Plans for 5 Lakhs
A 5 lakh medical insurance policy offers several benefits and perks to the policyholder. Here are some potential advantages:
Affordable Premium:
This plan provides basic coverage against medical expenses without requiring a high premium, making it accessible for many individuals. It provides an option of affordable 5 lakh medical insurance premium.
What is a 5 Lakh Health Insurance Policy?
A 5 lakh health insurance plan offers the policyholder a sum insured of ₹5 lakhs. This means the insured individual is covered for healthcare expenses up to ₹5 lakhs, as per the policy’s terms and conditions.
Such a policy shields you and your family from the financial burden of medical costs arising from accidents, minor injuries, illnesses, or other unforeseen events. A well-structured medical insurance plan with adequate coverage helps you manage unexpected medical crises effectively.
Reasons to Choose 5 Lakh Health Insurance
There are several reasons to consider purchasing a 5 lakh health insurance plan in India:
Rising Healthcare Costs: The cost of medical treatment in India is increasing rapidly, and hospitalisation expenses can quickly accumulate. A 5 lakh medical insurance plan covers hospitalisation expenses, doctor's fees, and other medical costs.
Comprehensive Coverage: This plan offers comprehensive coverage for various medical procedures, including surgeries, diagnostic tests, and ambulance charges.
Financial Security: Medical emergencies can occur unexpectedly and significantly strain your finances. A 5 lakh medical insurance plan provides financial security, ensuring you receive quality medical care without worrying about costs.
Pre-existing Medical Conditions: If you have pre-existing medical conditions, such as diabetes or hypertension, a 5 lakh insurance plan covers medical expenses related to those conditions.
Inclusions Under Health Insurance for 5 Lakhs
The coverage provided by a 5 lakh medical insurance plan can vary based on the insurer, specific policy, and terms and conditions outlined in the policy document. Generally, a 5 lakh insurance plan covers the following:
In-patient Hospitalisation Expenses: Covers medical expenses incurred during a hospital stay of at least 24 hours.
Pre and Post-Hospitalisation Expenses: Covers medical costs incurred before and after hospitalisation.
Day-care Treatments include medical procedures that do not require an overnight hospital stay.
Ambulance Charges: Covers expenses for transporting patients to or between hospitals.
Room Rent Expenses: Covers charges for occupying a hospital room or ward during the stay.
Surgeon, Doctor, and Medical Practitioner Fees Cover charges for medical consultations, diagnoses, and treatments provided by healthcare professionals.
Diagnostic Tests and Imaging: Covers medical tests conducted to diagnose or evaluate medical conditions.
Organ Donor Expenses: Covers costs related to organ donation, including medical and hospitalisation expenses, under certain conditions.
Exclusions Under Health Insurance for 5 lakhs
Some of the exclusions you should know under health insurance 5 lakh are:
Cosmetic and plastic surgery
Maternity and childbirth expenses (unless specified in the policy)
Treatment for obesity and weight management
Treatment for mental illnesses, psychiatric or psychological disorders, and de-addiction programmes
HIV/AIDS treatment
Treatments for infertility and related expenses
Non-allopathic treatments not specified in the policy
Expenses related to self-inflicted injuries or attempted suicide
Expenses incurred outside the geographical limits specified in the policy
Note: Carefully read and understand the terms and conditions in the policy document to know exactly what is covered and what is not under a 5 lakh mediclaim policy.
Who Should Buy 5 Lakh Health Insurance?
A 5 lakh medical insurance policy can be ideal for individuals and families seeking basic health coverage at an affordable premium. Here are some examples of who might benefit from a 5 lakh medical insurance policy:
Young Adults and Career Starters: Young adults starting their careers with no major health concerns might choose a 5 lakh insurance policy for its basic coverage at a lower premium.
Individuals with Limited Budgets: Those with limited budgets who cannot afford higher coverage may find a 5 lakh medical insurance policy suitable.
Individuals with No Family History of Major Illnesses: People without a family history of major illnesses or pre-existing medical conditions might opt for a 5 lakh medical insurance policy.
Senior Citizens: Retired senior citizens without major health concerns may consider a 5 lakh medical insurance policy.
However, it's essential to base the decision on individual needs and circumstances. Assess your health needs and select an insurance policy that provides adequate coverage based on your medical history, age, and other factors.
How Does The 5 Lakh Health Insurance Plan Work?
The process of how health insurance 5 lakh works is mentioned below.
Purchase and Renewal: You start by purchasing the medical insurance plan, which is typically valid for one year and must be renewed annually.
Hospitalisation and Claim Filing: If an insured person is hospitalised within the policy year, you file a claim for the medical expenses incurred. The insurance company first checks if the health plan covers the treatment.
Network Hospital Check: The insurer then verifies whether the hospital is within its network. If it is, you are eligible for cashless hospitalisation, with the insurer or a Third-Party Administrator (TPA) settling the hospital bills directly.
Evaluation of Coverage: The insurer or TPA evaluates your medical insurance plan details. You pay the difference if there is a deductible or expenses exceed the sum insured. If not, you don't need to pay anything extra.
Non-Network Hospital Treatment: If treated at a non-network hospital, you must pay the bills upfront and submit them to the insurer. The insurer/TPA reviews the policy provisions, deducts any co-pays or amounts beyond coverage, and reimburses you for the eligible expenses.
Choose the Right Plan Today
Opting for a comprehensive health insurance with a coverage of 5 lakh rupees ensures that you have adequate financial support in case of medical emergencies. With healthcare costs rising rapidly, a 5 lakh plan offers a substantial coverage amount that can help cover hospitalisation expenses, surgeries, diagnostic tests, and other medical treatments without burdening your finances.
Moreover, knowing that you have a reliable safety net to fall back on during illness or injury provides peace of mind. For people living in Abroad, specialised NRI health insurance options also ensure access to quality treatment in India while living abroad. By investing in a 5 lakh health insurance plan now, you are securing your health and financial well-being for the future.
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Watch what our customers are saying. REAL STORIES with REAL IMPACT!
Vippan Kapur
It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.
Meenakshi Khanna
Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.
Vijay Kapoor
With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.
Diviay Chadha
Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.
Parveen Singh
The Niva Bupa team was extremely helpful, be it day or night, someone was always available.
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