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By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.Personal Accident Insurance
One accident can impact your entire household. Niva Bupa’s Personal Accident Insurance offers comprehensive protection against accidental death and permanent disability, along with add-ons like hospital cash and child education cover. Safeguard your family’s future—no matter what life throws your way.
Network of 10,400+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.9 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.
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Get comprehensive coverage for your entire family under a single health insurance plan.
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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 Personal Accident Insurance Cover?
A personal accident insurance policy provides protection against death, permanent disability, and temporary disability in case of an accident. For example, the personal accident coverage from Niva Bupa offers protection in the event of both total and partial permanent incapacity. It even includes a provision for paying for a child's education after the primary insured person passes away. It is a financial product that provides value for money.
Why do you Need a Personal Accident Insurance Cover?
According to the 'Road Accidents in India-2021' report by the Ministry of Road Transport & Highways, 4,12,432 road accidents have been reported in the country during 2021, claiming 1,53,972 lives. Therefore, incorporating personal accident coverage into your current health insurance plans is a wise decision, whether you commute by motorbike or automobile. Before choosing a personal accident policy, you should speak with an expert. For additional information, call us at 1860 500 8888.
What are the Features of Personal Accident Policy?
Personal accident insurance policy is a fixed benefit plan that provides financial protection to policyholders in case of:
Accidental Death
Permanent Total Disablement
Permanent Partial Disablement
Temporary Total Disablement
A lump sum payment is made in the event of death or permanent disability under the personal accident insurance plans. While in the case of temporary disability, a weekly or monthly benefit is paid for a specified period. Medical expenses incurred due to accidents related to hospitalisation, surgery, medication, ambulance charges, and other necessary treatments are also covered. Some policies also provide an education fund for the insured person's dependent children.
How to Opt for the Best Personal Accident Plan?
Compare coverage & premium of personal accident insurance plans online to get coverage against accidental death, injury & permanent disability. Additionally, you must take note of the following things before choosing personal accident insurance policy:
Sum Insured
Network Hospitals
Exclusions and Limitations
Policy Duration
Additional Benefits and Riders
Claim Process
Customer Service
Insurer's Reputation and Financial Stability
If you're unsure about the best personal accident insurance plan for your needs, consider seeking advice from an insurance agent or financial advisor. They can provide personalised guidance based on your circumstances.
What are the Benefits of Personal Accident Health Insurance Policy?
Now you can protect your entire family with personal accident insurance plans against accidental injuries. The personal accident policy provides several benefits to you and your family, such as:
Financial Protection:
It offers compensation in the form of a lump sum or periodic payments, helping to cover medical expenses, loss of income, and other financial burdens that may arise due to an accident.
Worldwide Coverage:
This personal accident policy typically provides coverage worldwide. Whether the accident occurs at home, during travel, or at work, the policyholder is protected.
No Prior Medical Examination:
This personal accident insurance policy generally does not require a prior medical examination for coverage, making it accessible to a wide range of individuals.
Supplemental Coverage:
It can complement existing health and life insurance policies. Additionally, personal accident policy provides an additional layer of coverage specifically tailored to accidents and their associated consequences.
Customisable:
This allows individuals to choose the coverage amount, additional benefits, and policy duration that best suits their circumstances.
24/7 Coverage:
This personal accident insurance policy provides coverage round the clock, whether the insured person is at work, at home, or is engaged in leisure activities, as long as the accident falls within the policy's terms and conditions.
Who Should Buy Health Insurance for Personal Accidents?
The personal accident insurance policy is a benefit policy that pays for death, disablement, and weekly benefits. It is a worldwide cover available 24X7, which is most suitable for the following individuals:
Individuals without employer coverage, such as those who are self-employed
People working in high-risk occupations like construction, mining, aviation, or law enforcement
Frequent travellers
Sole breadwinners and parents with dependent children
Individuals without adequate emergency savings or with insufficient health coverage
What are the Tax Benefits of Personal Accident Policy?
Personal accident insurance policy from Niva Bupa offers financial assistance for expenses incurred due to an accident and even provides tax benefits under Section 80D of the Income Tax Act. The tax implications are explained below:
Section 80D provides deductions for premiums paid towards health insurance, including personal accident insurance policy, for self, spouse, children, and parents.
Tax benefits are subject to a limit of ₹25,000 for a policy taken for self, spouse, or children. An additional ₹25,000 is provided for a policy taken for parents (₹50,000 for senior citizen parents).
The deduction is available only for premium payments made in any mode other than cash.
How to Make a Claim for a Personal Accident Plan?
It is crucial to read the personal accident insurance policy documents to get acquainted with the claim settlement procedure. This will avoid any surprises at the time of claim filing and will allow you to meet all the specified timelines. You must be vigilant and transparent while going through the following steps to increase your chances of claim acceptance under the personal accident insurance:
Step 1: Notify the insurer about the accident as soon as possible
Step 2: Obtain the claim form and fill it out accurately
Step 3: Submit the form and the required documents
Step 4: Respond promptly to the insurer in case of any queries or requests for information
Step 5: Be available for the medical examination to assess the extent of the injuries
Step 6: Await claim decision based on the personal accident policy terms and the provided documents
What are the Documents Required at the Time of a Personal Accident Insurance Claim?
Here are some common documents that are typically requested during the claim process of a personal accident insurance:
Claim form
Accident report/FIR
Medical reports, including diagnostic tests, hospital records, and doctor's notes
Hospital bills and invoices
Discharge summary
Medical certificates
Proof of identity
Policy documents, including the policy schedule, terms, and conditions
Any other relevant documents like salary slips or income tax returns to claim loss of income
Frequently Asked Questions
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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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