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Protect your family's health with reliable and affordable health insurance plans tailored for Kerala’s residents. Enjoy cashless treatments across top hospitals, quick claims, and full coverage for medical emergencies. Secure peace of mind with the right health coverage today!
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.
Key Benefits of Health Insurance Plans in India
There are several benefits one can enjoy while purchasing the best health insurance in India.
Cashless Medical Treatment:
In the domain of the best health insurance, each insurer offers a wide network of hospitals across Tamil Nadu. So, if you find yourself admitted to any of these esteemed partnerships with a vast network of empanelled hospitals,you can bid farewell to worries about payment. Simply present your policy number, and your insurer and the hospital will shoulder all your expenses. Cashless claims reign supreme in health insurance policies, owing to their seamless process that eliminates hassles related to claim disbursement and tedious documentation.
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 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.
Tamil Nadu is a land where ancient traditions meet modern healthcare facilities. In such scenarios, there is one critical aspect that demands your attention and requires strategic planning, which is medical insurance in Tamil Nadu. From the streets of Chennai to the villages in the Western Ghats, health insurance is transforming from a luxury to a necessity.
But how do you work through the complexities of health insurance policies in Tamil Nadu? What factors should influence your decision when selecting coverage for your family among an array of Tamil Nadu health insurance schemes?
Understanding the Healthcare Scenario in Tamil Nadu
Before getting into the details of Tamil Nadu health insurance schemes, let us try to understand the healthcare scenario in Tamil Nadu and why best health insurance in Tamil Nadu is such an essential requirement.
Public and Private Healthcare
Tamil Nadu’s healthcare system offers excellent private medical institutions as well as government hospitals. The state’s healthcare facilities offer state-of-the-art treatments for an array of medical treatment and surgeries. However, public hospitals may struggle with slightly longer wait times. Thereby, private healthcare becomes the go-to option for the majority of the people but it comes at a hefty cost and may lead to financial instability.
The Rising Cost of Medical Treatments
From cardiac surgeries to specialised oncology treatments, medical cost in Tamil Nadu mirrors global trends. A single hospital stay can deplete savings, making health insurance plans in Tamil Nadu not just an option but a necessity.
Why Should You Get a Comprehensive Health Insurance Policy in Tamil Nadu?
A Tamil Nadu health insurance plan is necessary to prevent out-of-pocket expenses and avail quality healthcare. Here’s why you should get a health insurance plan in Tamil Nadu:
Helps Avoid Out-of-pocket Expenses
Medical insurance plans are significantly useful in protecting your savings due to the high cost of medical treatment in Tamil Nadu.
Waiting Periods for Existing Conditions
The best medical insurance for family in Tamil Nadu offers assistance in pre-existing diseases such as diabetes and hypertension, and has 2 to 3 years of waiting periods. You should buy medical insurance early, before health issues arise to get full coverage.
Easy Cashless Treatment
Various insurance providers in Tamil Nadu offer cashless claims settlement, which makes it convenient to get medical treatment without worrying about the medical bills.
How Much Insurance Coverage Do You Need in Tamil Nadu ?
Evaluating medical insurance in Tamil Nadu on the basis of coverage needs is crucial to help you make a well-informed decision. However, considering factors such as premium structures, sum insured, and claim settlements can be overwhelming. Here is the simplified table to evaluate what sum insured you should opt for in Tamil Nadu:
Tax Benefits and Regulatory Considerations
One thing to note while looking to buy the best health insurance for family in India is that you can avail various tax benefits and regulatory considerations, such as:
Section 80D Deductions
Premiums paid for Tamil Nadu health insurance qualify for tax deductions under Section 80D of the Income tax Act. Moreover, NRIs can also claim these benefits only if they file IT returns in India.
IRDAI Regulations
The Insurance Regulatory and Development Authority of India (IRDAI) mandates a standardised policy claim process and claim settlement timelines, ensuring transparency. Always verify an insurer’s claim settlement ratio (CSR). A high CSR, usually more than 90%, indicates reliable claim payouts.
What Should You Consider Before Buying a Health Insurance Plan?
When you are looking to buy Tamil Nadu health insurance schemes, you should consider a few things to maximise the benefits. Here are some of the common pitfalls and how to avoid them:
Assuming Employer Insurance is Enough
Corporate health plans may not cover domiciliary treatments or alternative therapies, such as Ayurveda, and homoeopathy. Thereby, you should consider a Tamil Nadu comprehensive health insurance scheme to fill these voids.
Ignoring Sub-limits and Co-payments
Some policies impose room rent caps or co-payment clauses, where you bear approximately 10-20% of the medical cost. You should scrutinise them to avoid unexpected out-of-pocket expenses.
Overlooking Portability Options
If your existing policy has limitations, porting to a better insurer, while retaining waiting period credits, is an underutilised advantage under IRDAI guidelines.
Final Checklist for Buying Health Insurance in Tamil Nadu
Now, here is the final checklist before you buy medical insurance in Tamil Nadu:
- Ensure your coverage aligns with medical inflation and the sum insured is adequate.
- Confirm cashless facilities in your preferred cities in Tamil Nadu, such as Chennai, Coimbatore, etc.
- Opt for insurers with 24/7 helplines and online claim submissions.
- Enable auto-debit for premium payment to prevent policy lapses.
Conclusion
For individuals and families, Tamil Nadu medical insurance isn’t merely a financial product; rather, it’s the reassurance that you and your family can access the best health care facilities in Tamil Nadu without financial strain or that your emergency medical treatment doesn’t spiral into out-of-pocket expenses.
By dissecting policy basics, leveraging tax benefits, and choosing insurers with global compatibility, you transform uncertainty into security. After all, distance shouldn’t dictate the quality of healthcare you and your loved ones receive.
Act now and explore our well-curated health insurance plans because when it comes to health, preparedness is the most valuable asset you can have.
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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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