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Life is full of surprises — your medical bills shouldn’t be one of them. From critical illnesses like cancer to unexpected surgeries or ICU stays, healthcare costs can spiral quickly. With ₹50 lakh health insurance coverage, you’re empowered to choose the best care without financial stress. Enjoy comprehensive benefits, cashless hospitalisation, and security for your whole family. Because when it comes to your health, there’s no room for compromise.
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
Quick Links
Network Hospital
Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment
Family Health Insurance
Get comprehensive coverage for your entire family under a single health insurance plan.
Claim Settlement Ratio
Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
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 a ₹50 Lakh Health Insurance Plan
If you're looking for one of the most expansive and comprehensive medical coverage options in India, a ₹50 lakh health insurance plan ticks all the right boxes. Let’s walk through the standout benefits that make this policy a smart investment in your health and future.
Cashless Hospitalisation:
A ₹50 lakh insurance policy generally includes a wide network of hospitals across India, giving you access to top-tier medical care without the stress of upfront payments. With the cashless claim facility, you won’t need to arrange for funds in a medical emergency. Simply present your health insurance 50 lakhs e-card or policy number at any network hospital, and the insurer will coordinate directly with the hospital to settle the bill. This means you and your family can focus on getting the right treatment without worrying about cash flow, making a world of difference in emergencies.
Why Choose a ₹50 Lakh Health Insurance Cover?
Let us take a look at the reasons why you should choose a coverage of ₹50 Lakh:
Rising Healthcare Costs
Today, advanced medical treatments like robotic surgeries, organ transplants, or cancer therapy can easily cost ₹20–40 lakhs. A health insurance for ₹50 lakhs offers a safety net against such hefty bills.
Comprehensive Coverage
Be it critical illnesses, long-term hospitalisations, surgeries, or complex therapies, this cover gives you peace of mind with complete and uninterrupted financial support.
Tailored Add-ons
Depending on your personal and family needs, you can enhance your coverage with riders like personal accident insurance cover, hospital cash benefit, OPD expense cover, and more.
Family Floater Option
You can opt for a family floater health insurance 50 lakhs plan that includes yourself, your spouse, children, and even dependent parents under a single umbrella, wisely sharing the sum insured.
Tax Benefits
The premium for ₹50 lakh health insurance qualifies for tax deductions under Section 80D of the Income Tax Act. This makes your investment doubly rewarding, protection and savings.
What to Consider When Choosing a ₹50 Lakh Health Insurance Plan?
A ₹50 lakh healthcare insurance plan offers robust protection, but choosing the right one requires looking beyond just the premium. Here are the key things to keep in mind:
Inclusions and Exclusions
Check what the policy covers like hospitalisation, day care, critical illness, and AYUSH and what it excludes, such as cosmetic procedures or overseas treatment. Look out for sub-limits on room rent or specific surgeries, which can affect claim payouts.
Network Hospitals
A large hospital network is crucial for accessing quality treatment. Ensure your preferred hospitals are part of the insurer’s cashless network. More hospitals mean quicker, smoother claim processing without upfront payments.
Waiting Periods
All policies have waiting periods for pre-existing conditions or specific treatments. Choose a plan with shorter waiting periods, especially if you already have health issues or are purchasing the plan at a later age.
Maternity Cover
Planning a family? Look for newborn and maternity insurance policies, usually available after a 9-month to 2-year wait. Some plans include vaccinations and congenital condition cover. Check for sub-limits and room eligibility, too.
Claim Settlement Ratio (CSR)
A high CSR (90% and above) reflects a reliable insurer. It indicates how many claims are successfully paid and signals a smooth claims experience. Consistently review this figure before choosing your provider.
How to Apply for a ₹50 Lakh Health Insurance Plan Online?
Gone are the days of tedious paperwork and long queues. Applying for a ₹50 lakh medical insurance plans is now quick, seamless, and completely digital. Here’s a simple step-by-step guide to help you navigate the online application process with ease:
Assess Your Needs
Start by identifying your specific requirements. Are you buying an individual plan or looking for the best family health cover? Consider factors such as age, existing health conditions, family medical history, and your financial capacity. A high sum insured like ₹50 lakh is ideal for urban families or individuals with higher health risks, but the policy should match your lifestyle and needs.
Compare Plans
Visit insurer websites or trusted aggregator platforms to compare ₹50 lakh medical insurance plans. Look beyond just the premium, evaluate coverage features, hospital network, claim settlement ratio, optional riders, and customer service ratings. Tools on these platforms allow you to filter based on your preferences and get real-time premium estimates.
Shortlist and Review
Narrow down your choices to a few plans that best match your health and financial profile. At this stage, it’s wise to review not just what’s covered but how it’s covered. Are there sub-limits on room rent or specific treatments? Does the plan offer lifetime renewability, free check-ups, or global cover? A thorough comparison ensures you get maximum value from your premium.
Read the Policy Document
Before proceeding to payment, download and carefully read the policy wordings. This step helps you understand waiting periods, exclusions, pre-existing disease clauses, and any terms that may affect your claim in the future. Make sure you're fully aware of the fine print to avoid surprises during emergencies.
Fill the Form
Once satisfied, begin the application by filling in your personal details, health history, and nominee information and uploading necessary documents like ID proof, address proof, and medical reports (if required). Be honest and accurate; misrepresentation may lead to claim rejection later.
Make Payment
Choose your preferred digital payment mode — UPI, debit card, credit card, or net banking and complete the transaction. Most insurers offer secure gateways and instant confirmation upon successful payment.
Get your Policy
Once your details are verified and payment is processed, your policy document will be emailed to you. This digital copy is legally valid and should be saved securely. You can also download it anytime via the insurer’s app or customer portal.
Why Buy a ₹50 Lakh Health Insurance Plan Online?
Purchasing a ₹50 lakh health insurance policy online comes with several advantages that make it the smarter and more efficient choice in today’s digital-first world:
24x7 Access
You can browse, compare, and purchase plans at your convenience, whether it’s day or night. There’s no need to wait for business hours or visit physical offices.
Paperless & Hassle-free
The entire process from comparison to policy issuance is completely digital. Say goodbye to physical forms, courier delays, and documentation hassles.
Instant Premium Quotes & Exclusive Discounts
Online platforms often provide real-time premium calculations and may offer special discounts not available offline, making your policy more cost-effective.
Transparent Comparisons
Aggregators and insurer portals offer side-by-side comparisons of features, premiums, and benefits, making it easier to pick the most suitable plan without sales pressure.
Easy Renewal & Claim Tracking
Most insurers have intuitive mobile apps or online portals where you can renew your policy, check coverage details, track claims, and even schedule cashless treatments with just a few clicks.
Conclusion
A ₹50 lakh health insurance policy is far more than a piece of paper – it’s a life-changing decision that ensures you are financially equipped to handle high-cost treatments, critical illnesses, and unforeseen medical emergencies with complete confidence. For NRIs, this becomes even more crucial, as securing NRI health insurance in India or a comprehensive health insurance for NRI plan ensures access to quality medical care back home without financial stress.
Whether you are looking for medical insurance for NRI in India to safeguard your visits or seeking NRI health insurance India coverage for long-term security, this plan offers the right balance of protection and peace of mind. It provides uninterrupted access to top-tier healthcare facilities and shields you from the ever-rising cost of medical treatments.
Choosing a ₹50 lakh health insurance for NRI in India is not just a financial safeguard – it’s a proactive investment in your well-being and your family’s security. It gives you the reassurance that, no matter where life takes you, you will always have robust health coverage in place.
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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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