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By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.Hospital Cash Benefit
Hospital Cash Benefit provides a fixed daily payout during hospitalisation with extra financial support when you need it most. Whether it’s to manage out-of-pocket expenses or loss of income, this benefit adds a cushion of comfort to your recovery. Available as part of your base plan or an optional add-on, it’s a small step towards big peace of mind.
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
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
- Hospitalisations of 2 hours or more covered
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.
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.
What is Hospital Cash Benefit?
Hospital cash benefit is a daily lump sum amount the insured can get in case of hospitalization. It is either a part of the base plan or can be purchased as a rider or an option.
In most cases, the hospital cash benefit is only applicable if the insured has been hospitalized for a minimum of 48 hours. The hospital cash benefit is provided for every 24 hours completed during the time of hospitalization for 30-45 days in total under a policy year.
This amount can be used to cover additional expenses during hospitalization, such as , transportation, hiring a caregiver, etc., or to compensate for the loss of income during this time.
What is Covered and Not Covered under Hospital Cash Benefit?
A hospital cash benefit is generally used to pay for additional costs incurred during hospitalization for upto 30-45 days, depending on plan and insurance provider. In case of hospitalization in the ICU (Intensive Care Unit), the cash benefit provided is twice as much as the applicable daily cash benefit for up to 7 days.
Typically, a health insurance plan will pay for expenses such as:
Inpatient hospitalization
Pre and post-hospitalization care
Daycare procedures
Cost of ambulance service
COVID-19-related treatment
You can use a hospital cash benefit to take care of hospitalization expenses over and above what is covered under your health insurance plan.
Types of Health Insurance Plans in India
The below-mentioned features ensure that health insurance policies provide comprehensive coverage for various medical needs while considering factors like waiting periods, co-payments, and additional riders.
Individual Health Insurance Plans
An Individual Health Insurance Plan is a type of insurance policy created to provide financial coverage for medical expenses incurred by a single person.
Note: The sum assured of the policy is directly dependent on the age, health and income level of the insured individual.
Family Floater Health Insurance Plans
A Family Floater Health Insurance Plan is an extensive insurance policy designed to provide medical coverage for an entire family under a single sum insured.
Note: Keep in mind that the premium of a family floater policy is heavily dependent on the age of the oldest family member covered under the plan.
Senior Citizen Health Insurance Plans
A Senior Citizen Health Insurance Plan is a customisable or personalised medical plan to provide support and care for seniors in their golden years.
Note: Anyone above the age of 65 can opt for such a cover.
Benefits of Hospital Cash Benefit
There can be many benefits of a hospital cash insurance plan. Some of these are:
A fixed amount is reimbursed even if the actual daily expense is lesser than that
You can use this amount to meet hospitalization expenses not covered under your health insurance plan
Features of Hospital Cash Benefit
The features of a hospital cash benefit depends from policy to policy. Typically, a hospital cash benefit can have features such as:
A daily amount is disbursed as a lumpsum to pay for additional hospitalization expenses and is paid for up to 30-45 days depending on plan/insurer
The disbursed amount doubles in case of ICU admissions and is paid for up to 7 days as per plan/policy
The policy is only applicable when the insurer is hospitalized for minimum of 48 hours
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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