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What is the eligibility criteria for health insurance?

The two main aspects that are considered when determining eligibility for health insurance are your age and current health. 

 

  • The minimum age to get health insurance for your child is 15 days, going all the way up to 18 years. For adults, the entry age is 18 years, and the maximum limit is 65 years. Your premium heavily depends on your age. It is lesser when you are younger; hence, experts advise that people should get health insurance as soon as they are financially independent, i.e. in their early 20s.
 
  • The second factor is your overall health. When you buy health insurance, there are chances that you may be asked to undergo a medical examination to determine your current health status. Normally, this is reserved for people above the age of 45. If you are under 45, you may just be asked to present a doctor’s certificate claiming a proof of good health.
 

However, people of all ages are required to declare pre-existing conditions, if they have any. These can include diabetes, hypertension, asthma, high blood pressure, thyroid, etc. Having a pre-existing condition does not mean that you are not eligible for health insurance. You most definitely are. This information is important to identify the best suited plan and coverage for the customer. It is imperative that you tell your provider of your pre-existing conditions to streamline the process when you make a claim and to avoid falling under non-disclosure.

Similar FAQ

How can I buy this policy?

IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?

What is the eligibility for availing the maternity benefit under the Heartbeat family first & family floater plan?

What if a customer has opted for a room above their eligibility? Do they only need to pay the difference for the room or for other services as well?

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

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

How can I buy this policy? - +

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.

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 IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

Get Health Insurance Today

Get a Health Insurance plan today!