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Health insurance in Delhi offers vital protection against rising medical costs, ensuring timely access to quality healthcare. With a wide network of hospitals and cashless treatment options, residents can receive care without financial stress. Whether you're an individual or a family, customisable plans are available to suit diverse healthcare needs. Investing in the right health insurance ensures peace of mind and long-term well-being.
Network of 10,400+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.4 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.4 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
1.4 Crore+
Happy customers served till date
Custom Health Insurance Plans designed for You
A plan that rewards you for starting young
Starts from
₹8,6321
Annual Premium
₹5,00,000
Sum Insured
- Lock the age, pay premiums as per entry age till you claim
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Maternity coverage including IVF, Adoption and more
- Use and get back your base coverage. Unlimited times and forever
Nothing Seems Impossible. The Most Comprehensive health insurance plan.
Starts from
₹7,8212
Annual Premium
₹5,00,000
Sum Insured
- Save as you age. Pay as per entry age, until you claim.
- Use and get back your base coverage. Unlimited times and forever.
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Up to 30% discount on renewal premium basis step count
A Health Insurance Plan that works your way
Starts from
₹4,8043
Annual Premium
₹5,00,000
Sum Insured
- Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
- Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
- Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
- Access unlimited digital consultations with general physicians through our mobile app.
A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.
Starts from
₹11,5714
Annual Premium
₹5,00,000
Sum Insured
- Comprehensive coverage up to ₹3 Cr
- In-built travel insurance coverage for multiple trips in a year
- Modern Treatments coverage
- Maternity (worldwide) and new born baby cover
The Smart Health Insurance Plan with Smart Feature to keep your family protected
Starts from
₹11,7755
Annual Premium
₹5,00,000
Sum Insured
- No Room Rent Capping
- Modern Treatments Covered up to Sum Insured
- Hospitalisations of 2 hours or more covered
- One time refill of Base Sum Insured, even for same illness.
Benefits of Niva Bupa Health Insurance in Delhi
Opting for the Niva Bupa, the Best Health Insurance Company in Delhi can benefit you in many ways. Some of them are listed below.
Cashless Medical Treatment:
We provide cashless medical treatment at numerous partner or network hospitals nationwide. If you're admitted to one of these hospitals, simply present your policy number, and your insurer will handle the expenses directly with the hospital. This seamless process eliminates the need for out-of-pocket payments and claims paperwork, offering you peace of mind and convenience.
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 in West Bengal?
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 in Kerala.
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.
Delhi, the capital of India, is renowned for its pioneering metro railway system and chilly winters. Unfortunately, it also holds the distinction of being one of the most polluted cities globally. Home to over 19 million people, Delhi's residents face significant health risks due to poor air quality and other health concerns. Consequently, having a reliable health insurance policy in Delhi is essential for accessing timely medical treatment.
As a metropolitan city with advanced medical infrastructure, Delhi also faces high medical treatment costs that can quickly deplete your savings. These high costs may even cause delays in seeking necessary medical care. However, with Niva Bupa health insurance, your out-of-pocket expenses for covered medical treatments are minimised. Regardless of your chosen hospital, Niva Bupa ensures a 100% claim amount without any deductibles, eliminating the financial burden of expensive hospital bills and enabling prompt medical care.
Reasons to Buy Health Insurance in Delhi
Living in Delhi, India's bustling capital, comes with its unique set of challenges, particularly when it comes to health. The city's high pollution levels and fast-paced lifestyle can increase the risk of various health issues. Hence, having a health insurance policy is not just a luxury but a necessity. Here are some compelling reasons to consider buying the best medical insurance in Delhi:
Financial Backup for Medical Emergencies
Health insurance provides a financial safety net during medical emergencies, offering peace of mind. Knowing that your insurance will cover substantial medical expenses lets you focus on recovery rather than worrying about costs.
Timely Medical Treatment
Health insurance ensures you receive timely medical treatment without the fear of financial strain. With a reliable health plan, you can access necessary healthcare services promptly, crucial in emergencies or serious illnesses.
Comprehensive Coverage
Health insurance policies offer extensive coverage, including hospitalisation, critical illness insurance, and wellness plans. This coverage protects you against various health-related expenses and provides comprehensive care for you and your family.
Access to Teleconsultations
Modern health insurance plans often include features like teleconsultations. This allows you to consult with doctors remotely, saving time and reducing the need for hospital visits, especially for minor ailments or follow-up consultations.
Coverage for Daycare Treatments
Even though daycare treatments require shorter hospital stays, they can be expensive. Health insurance covers these costs, ensuring that surgeries and specialised treatments, which do not require prolonged hospitalisation, are financially manageable.
Family Health Insurance
With a family health insurance plan, you can cover your spouse and children under a single policy. This eliminates the need to buy multiple policies, making protecting your entire family's health more convenient and cost-effective.
High Sum Insured
A Mediclaim Policy with a high sum insured ensures that most medical emergencies are covered comprehensively. This provides a substantial financial cushion, covering a wide range of treatments and ensuring you receive the best care without financial worries.
Tax Benefits
Purchasing health insurance also offers financial benefits in the form of tax deductions. Under Section 80D of the Income Tax Act, you can receive tax benefits, reducing your taxable income and providing additional financial relief.
Tips for Finding the Best Medical Insurance Policy in Delhi
Finding the right health insurance policy can be challenging, especially for first-time buyers. Here are some practical tips to help you secure a suitable and affordable policy.
Know Your Requirements
Various types of health insurance policies are available, which can be overwhelming. Start by assessing your needs, including the number of dependents, their ages, your income, medical history, and any hereditary diseases in the family. Once you clearly understand your requirements, you can look for a policy that provides the relevant coverage.
Calculate Premiums
Buying medical plans online is convenient, and tools like health insurance premium calculators can help you get a quote for the policy you're considering. By adjusting coverage options, you can balance adequate coverage and affordable premiums. Calculating the premium in advance allows you to save money by choosing the most cost-effective plan.
Compare Plans
Comparing different health insurance plans can give you a better understanding of the options available. Look at the features, coverages, and services various insurers offer for similar plans. This comparison helps you make an informed decision by weighing the benefits and drawbacks of each option.
Choose a Plan with a Minimum Waiting Period
A waiting period can increase your out-of-pocket expenses if you need to make a claim soon after purchasing a policy. Look for plans that offer minimal to no waiting periods. For example, some policies have zero waiting periods for disclosed ailments, ensuring that you can access coverage immediately.
Understand Coverages and Exclusions
It's crucial to know exactly what you are paying for. This includes understanding the policy's coverages, exclusions, and services. Knowing what is covered and what is not will help you understand when you can file a claim. Additionally, being aware of the services offered, such as telephonic consultations with certified doctors, can help you make the most of your policy.
Frequently Asked Questions
Our Satisfied
Customers
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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