Niva Bupa is one of the Best Health Insurance Companies in India that provides affordable Health Insurance Plans for an individual and family. Visit our site to buy a suitable Health Insurance & Medical Policy Online for you and your family members.

Niva Bupa

A health insurance policy serves as a financial cover for unforeseen medical expenses.

Health Insurance

Individual health insurance plans is that they are highly customizable and allow you to select the range of coverage against ailments, services provided and the financial liability against which the insurer will cover you.

Individual Health Insurance

Critical Illness cover provides you a lumpsum amount which can be used to cover expenses for your diagnosis, doctor visits, medical expenses and hospitalisation as well.

Critical Illness Insurance

Personal Accident Insurance cover provides coverage in case of permanent total and permanent partial disability, and even has an option for paying for child’s education after the primary insured person’s demise.

Personal Accident Insurance

You can easily buy a mediclaim policy online from the comfort of your home. A mediclaim policy does not cover accidents. However, it covers hospitalization expenses incurred due to accident-related injuries.

Mediclaim Policy

You can buy Travel Insurance after booking your trip. However, you cannot take it after your trip has begun.

Travel Insurance

<h2 style="text-align:center;">Popular <span style="color:#2196f3;"><span class="font-bold text-nivabupa-blue-ethinosPlanRecommendation" style="--tw-backdrop-blur:;--tw-backdrop-brightness:;--tw-backdrop-contrast:;--tw-backdrop-grayscale:;--tw-backdrop-hue-rotate:;--tw-backdrop-invert:;--tw-backdrop-opacity:;--tw-backdrop-saturate:;--tw-backdrop-sepia:;--tw-blur:;--tw-border-spacing-x:0;--tw-border-spacing-y:0;--tw-brightness:;--tw-contain-layout:;--tw-contain-paint:;--tw-contain-size:;--tw-contain-style:;--tw-contrast:;--tw-drop-shadow:;--tw-gradient-from-position:;--tw-gradient-to-position:;--tw-gradient-via-position:;--tw-grayscale:;--tw-hue-rotate:;--tw-invert:;--tw-numeric-figure:;--tw-numeric-fraction:;--tw-numeric-spacing:;--tw-ordinal:;--tw-pan-x:;--tw-pan-y:;--tw-pinch-zoom:;--tw-ring-color:rgb(59 130 246 / 0.5);--tw-ring-inset:;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-ring-offset-width:0px;--tw-ring-shadow:0 0 #0000;--tw-rotate:0;--tw-saturate:;--tw-scale-x:1;--tw-scale-y:1;--tw-scroll-snap-strictness:proximity;--tw-sepia:;--tw-shadow-colored:0 0 #0000;--tw-shadow:0 0 #0000;--tw-skew-x:0;--tw-skew-y:0;--tw-slashed-zero:;--tw-text-opacity:1 !important;--tw-translate-x:0;--tw-translate-y:0;border:0px solid rgb(229, 231, 235);box-sizing:border-box;font-weight:700 !important;">Health Insurance Plans</span></span>&nbsp;</h2><p style="text-align:center;">&nbsp;</p>

No. Most Life Insurance products are designed to protect your family (or dependents) from a financial loss that may arise in the event of your untimely death. The payout is made mostly post the death of the person insured or at the maturity of the policy. Health Insurance on the other hand, protects you against ill health or diseases by covering the expenses you might incur for treatment, diagnosis etc. Health insurance policies need to be renewed annually.

Is Health Insurance the same as Life Insurance?

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for health insurance premium for self and dependants. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is different from the exemption of Rs 1,00,000 under Section 80 C). These benefits are as per prevalent applicable tax laws. We advise you to consult your tax advisor for further details or clarifications.

Is there any tax benefit that one can avail of while purchasing Health Insurance?

The Annual Insurance Cover amount is the maximum amount payable during the year in the event of one or more claims. It is also known as ‘sum insured’ and ‘sum assured’. The premium of the policy is also dependent on the annual insurance amount that you choose.

What is Annual Insurance Cover?

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

What do you mean by Cashless Hospitalization?

Mediclaim is a type of health insurance. However some health insurance policies can be more comprehensive than mediclaim , as they cover more health benefits.

Is Mediclaim the same as health insurance?

There are various ways in which you can purchase this policy: Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup. While all our plans including Heartbeat and Health Assurance are available for purchase through this mode, our online special plan Health Companion Health Insurance Plan - Health Companion can be bought only through this mode. Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1800 3010 3333 (Toll Free) between 9 am and 6 pm India time (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment. Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

How can I buy this policy?

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

Is a medical checkup necessary before buying a policy?

What are the minimum and maximum policy durations?

Yes, foreigners residing in India can surely be covered under a health insurance policy. However, the coverage will be applicable within India only.

Can my friend buy a health insurance policy if he/she is not an Indian National but living in India?

To view multiple policies under the same login ID and password, please follow these simple steps.
1. Login with your ID / password.
2. Go to ‘My Account’.
3. Click on ‘Attach Policies’ and enter your Policy Number and Date of Birth. Click on ‘Add Policy’.
4. Your policies will now appear under the same login ID and password.
Please note that it may take upto 24 hours for your additional policy to reflect in your account

In case I have multiple policies from Niva Bupa, how do I view them using the same login ID and password on the website?

Of course. You can cover your family residing in India under one policy. Your health insurance policy can be used by you all across India. For cashless facility, you need to do is check for a Niva Bupa network hospital near your place of residence. You can also get your claims reimbursed if you get treated at a hospital which is not in Niva Bupa’s hospital network

My wife and children are residing at Chandigarh while I am here in Delhi. Can I cover all of us in one policy?

Naturopathy and homeopathy treatments are not covered under our Heartbeat Health insurance plans. Our coverage is available for allopathic treatments in recognized hospitals and nursing homes.

Are naturopathy and homeopathy treatments covered under a health policy?

Yes, your Health Insurance covers all diagnostic tests like X- Rays, MRIs, Blood Tests etc. if they are associated with an insured person’s stay in the hospital. These tests must also have been conducted within a maximum of 30 days prior to hospitalization and/or 60 days post hospitalization or during hospitalization.In addition, we cover outpatient diagnostic tests if a specialist prescribes them and if you have chosen the Platinum Policy.

Does health insurance cover diagnostic charges like X- ray, MRI or ultrasound?

When you get a new health insurance policy, there will be a 90 day waiting period starting from the policy start date, during which period hospitalization charges will not be payable. However, this is not applicable to any emergency hospitalization occurring due to an accident. This 90 day waiting period is not applicable when the policy is renewed

Are there any waiting periods when my expenses will not be settled, in case of a contingency?

While filling up your health insurance proposal form, you will need to provide details of any health conditions in your medical history so far. At the time of enrolment, you should be aware of any current medical conditions and if you are undergoing any treatment. We refer such health issues to our medical panel to differentiate between pre-existing and newly contracted conditions. Note: It is important to disclose any medical condition that you may have, prior to buying the health insurance policy. Insurance is a contract based on good faith and any willful non-disclosure of facts might lead to repudiation or rejection of a claim in the future.

How does the insurance company decide whether a disease was a pre-existing one or not?

MER : Medical Examination Report RUA : Routine Urine Analysis FBS : Fasting Blood Sugar TCHOL : Total Cholesterol GGT : Gamma Glutamyl Transferease HDL : High Density Lipoprotein TG : Triglycerides SCREAT : Serum Creatinine SGOT : Serum glutamic oxaloacetic transaminase SGPT : Serum glutamic pyruvic transaminase HbsAg : Hepatitis B surface antigen Hba1c : Glycosylated haemoglobin CBC : Complete Blood Count TMT : Exercise Electrocardiogram HIV1& 2 : Antibodies to human immunodeficiency virus (HIV) types 1+2 (Anti-HIV 1+2)

What are the various medical tests terminologies?

We have a network of hospitals all across India. Our Network Hospitals are those with whom we have a contract for cashless settlement of claims. This means, we settle directly with the hospital for expenses that are covered under your policy. You can search for a Network Hospital near you by using the network hospital search tool on this website. However, if you choose to go to a hospital outside our network, you will have to pay for the treatment and then re-claim the expenses from us for reimbursement. You may also have to pay an amount towards the cost of your treatment (a ‘co-payment’) depending on your plan.

Which hospitals can I go to if I need treatment?

If you cancel the policy, your cover will cease to exist from the date of cancellation of policy.

What happens when I cancel the policy?

Most policies offer the benefit of treatment at home when: a) The condition of the patient is such that he cannot be moved to a hospital or b) There is no bed available in any of the hospitals and c) Only if it resembles the treatment given at the hospital/nursing home that is reimbursable under the policy. This is called domiciliary hospitalization and is subject to certain restrictions both in terms of the amount that is reimbursable as well as the diseases that are covered under it.

Can I seek treatment at home and be reimbursed for it under health insurance?

Need, Significance and Benefits of Having a Health Plan

Essential Aspects To Consider Before Deciding On A Health Insurance

A Guide to Choose the Right Health Insurance Plan

Health Insurance Migration: A Detailed Guide

Advantages and Disadvantages of Corporate Health Insurance plan

Applicable on individual health policies including family floater and senior citizen

 Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. CIN: L66000DL2008PLC182918

 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.

 Since Inception refers to claim data from 2010 till December 2023.

 ReAssure 3.0 Premium: Quoted premium is for 1 years tenure for Black variant with Unlimited Sum Insured for 1 Adult aged 18 years living in Kangra, Himachal Pradesh. 

 ReAssure 2.0 Premium: Quoted premium is for Titanium+ variant, INR 5 lacs sum insured with 1 years tenure, 1 Adult aged 18 years living in Guwahati, Assam.

 Health Premia Premium: Quoted premium is for for Gold variant, INR 10 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 18 years living in Delhi with Zone 2 Option

 Aspire Premium: Quoted premium is for INR 5 lacs sum insured with 1 years tenure, 1 Adult aged 18 years living in Ranchi. The Premium is exclusive  of Digital Discount.

 Senior First Premium: Quoted premium is for INR 5 lacs Sum Insured (with 50% co-payment) with a policy tenure of 1 year, 1 Adult aged 61 years living in Delhi.

 Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.

This is applicable for ReAssure, Reassure 2.0, Aspire and Rise product

a. Buy your Niva Bupa policy for coverage of 10 Lacs or above, with Safeguard+ add on

b. Intimate Niva Claim helpline (1860-500-8888) 48 hours before hospitalization for non-emergency treatments

d. Receive a claim assurance with zero deduction, in accordance with policy inclusions and T&C

c. Choose any hospital from the list of recommendations given by Claim Advisor for your treatment, via cashless facility

e. Claims Exclusions: the guarantee will not apply to claims arising due to exclusions stated in the policy (e.g.- non-disclosure, fraud, standard exclusions, waiting periods etc.)

Plans

Claims

Renewals

Resources

Customer Support

Become an Agent

Niva Bupa health insurance plans empower you to claim your life to the fullest by giving you seamless access to the best of healthcare

Help Centre

Popular Health Insurance Plans

Download the
Niva Bupa App Today

Help Centre

Popular Health Insurance Plans

Download the Niva Bupa App Today

Download the
Niva Bupa App Today