Unveiling Cost-Saving Opportunities with Niva Bupa Health Insurance Discounts

A health insurance policy is a financial security cover against unforeseen medical expenses and health challenges. This serves as an arrangement between the insurance provider and insured customer to guarantee financial support during a medical emergency. Niva Bupa health insurance plan formerly known as Max Bupa offers you many medical benefits, tax exemption, network of 10000+ cashless hospitalisation facility, no-claim bonus and copays

Types Of Discounts Offered By Niva Bupa Health Insurance Company

Given below are the discount types provided by Niva Bupa health insurance:

• No Claim Bonus Discount: In this type of offer, basically an insured individual’s premium amount is lowered by a certain percentage by the insurance provider but no change is made on the sum insured originally paid under the policy. You can avail a no claim bonus on the policy
• Live Healthy Renewal Discount: Under the live healthy benefit, a discount of 30% on renewal premiums is provided by earning health points per 1000 steps on Niva Bupa health insurance app online.
• Other Discounts: Wellness benefits offer easy monetary rewards on pharmaceutical bills, health activities and policy renewals once you buy your health insurance policy

Eligibility Criteria For Niva Bupa Health Insurance 

Check the eligibility criteria if the above discounts attract you to buy a health policy from Niva Bupa. 

Discounts Offered Under Niva Bupa Health Insurance

Following are the discounts offered by Niva Bupa health insurance company: 

• ReAssure: This plan offers up to 30% discount on renewals, unlimited reinstatement of your sum insured while doubling it up in 2 policy years. It has both individual as well as family floater health plans available
• Live Healthy Benefit: It offers up to 30% discount on renewal premiums by online accumulating health points per 1000 steps of Niva Bupa health insurance app
• Health Companion: Under this plan, the insured gets benefits of cashless hospitalisation and avail 12.5% discount on 2nd year-premium paid on the medical insurance plan
• Online Heartbeat Family Floater Plan: This plan will provide a discount on the premium amount when you choose coverage for 2 continuous years. One gets cashless approvals within 4 hours at a network facility
• Personal Accident Plan: This policy pays up to 100% of sum insured in case of permanent partial disability and offers a discount when you choose coverage for 2 continuous years 

Why To Choose Niva Bupa Health Insurance Plans?

Some of the beneficial perks of availing a Niva Bupa health insurance plan are listed below:

• Critical Illness Coverage: Niva Bupa health insurance plan offers healthcare coverage against many critical ailments like cancer, heart attack, stroke etc
• Cashless Claim: This is a financially convenient benefit offered by health insurance plans which allows you to avail best of medical treatment and healthcare services at network hospitals despite not having sufficient cash
• Pre And Post Hospitalisation: Besides getting reimbursement on your hospitalisation expenses, this feature also provides coverage for medical services, lab diagnostics, reports, doctor’s visit and consultation fees etc
• Tax Exemption: Another rewarding benefit of the health insurance plan is that it provides tax rebate under section 80D of the Income Tax Act and you can get a deduction on the premium amount. This deduction benefit can extend up to Rs 50000 for senior citizens and it is applicable on individual as well as family floater health plans  
• Ayush/ Alternative Treatment Cover: The health insurance policy offers treatment cover for medical expenses incurred by an insured on alternative medical therapies such as AYUSH
• Copayment: This option of copays offers fixed, predetermined amount out of their own expenses for some specific healthcare services while insurance company covers the remaining costs of medical bills

Top Health Plans Offered By Niva Bupa Health Insurance

Enlisted below are some of the most sought-after health insurance policies offering many coverage benefits under individual and family floater health plans by Niva Bupa health insurance Co:

Family Floater Plan

Family health insurance plans provide wide scope of insurance coverage for hospitalisation expenses borne by a family unit

• Reassure 2.0: It insures up to 6 family members and premium amount starts from Rs 10244 per policy year and sum insured is up to 1 Cr
• HealthPremia: It offers medical coverage for up to 6 family members and premium starts from Rs 11572/yr. The cover ranges between 5 lakhs - 3 Cr
• Aspire: This plan provides coverage benefits for up to 6 family members, while starting premium amount is set from Rs 8633/yr and cover plan ranges between 5 lakh-3 Cr
• HealthCompanion: It insures your family’s in-patient hospitalisation expenses up to the sum insured, cover is available up to 1 Cr and premium starts from Rs 8056/yr      
• GoActive: This plan provides coverage benefits for 2 adults and 4 children in the family. It offers cover ranged from 4 lakhs - 25 lakhs

Individual Plan

These are individual health insurance policies that provide comprehensive medical coverage for hospitalisation of an individual insured customer

• HealthPremia: It starts from premium worth Rs 12488 per year offering in-built travel insurance, newborn & maternity benefits and international coverage    
• MoneySaver: This plan provides coverage benefits for no room rent cap, no claim bonus, pre and post hospitalisation starting from Rs 9504 per year
• SeniorFirst: The health insurance plan offers no claim bonus, ReAssure benefits, day care treatment and premium starts from Rs 13453    
• Reassure 2.0: The plan insures you against health checkups, annual premium amount starts from Rs 10244 per policy year and sum insured is upto 1 Cr

Health Insurance Plans for Bigger Families

The health insurance plans which include extended and larger family units in their hospitalisation coverage 

• Reassure 2.0: The premium amount starts from Rs 10244 per policy year and sum insured is up to 1 Cr. It offers 30% discount on policy renewals
• HealthPremia: It provides medical coverage for in-built travel insurance, newborn & maternity benefits and international coverage and starting premium amount is Rs 13010 per year    
• HealthCompanion: The premium amount starts from Rs 18281/yr offering health benefits for all day care treatment, alternative treatment, no room rent cap etc
• HeartBeat: This plan provides coverage up to 1 Cr on newborn & maternity benefits, refill benefits and international coverage
• Aspire: The premium amount starts from Rs 6655/yr offering maternity benefits, 30% discount on policy renewals

Plans For Specific Needs

Niva Bupa health insurance plans also offer financial cover on certain critical health conditions and accidents

• CritiCare: This medical plan renders health coverage for 20 critical diseases and lifelong renewal option    
• AccidentCare: The health insurance plan offers medical coverage on partial and permanent disability, children’s educational benefits and accidental death

Wellness Plans

• Reassure 2.0: The plan offers 30% discount on policy renewals, it has annual premium amount starting from Rs 10244 per policy year and sum insured is upto 1 Cr 
• HealthPremia: The premium amount starts from Rs 12488/yr offering health coverage up to 3 Cr providing wide spread benefits on newborn & maternity benefits, in-built travel and international coverage 

Apart from the above mentioned health insurance plans, senior citizen health insurance policies are offered by Niva Bupa health insurance to render medical coverage for the healthcare needs of people who are above 65 years of age   

Customer Support Team Details Of InsuranceDekho

If you have any queries or doubts related to insurance plans offered by Niva Bupa health insurance, please connect with our policy experts and customer support staff who’re available 24*7 from Mon-Sun. You can call our toll - free number 7551196989 | Drop an email at support@insurancedekho.com for any assistance

Conclusion 

In conclusion, one of the key features of purchasing Niva Bupa Health Insurance is that it provides a lot of premium-saving opportunities to its customers. The company rewards its customers for staying healthy and not making any claims throughout the year. In addition to this, policy buyers can also avail of discounts on buying family floater plans online. Therefore, you can get insured under the best health plans and secure yourself and your family against any medical emergency that may arise in the future.

Also Read: Why Having a Personal Health Insurance Cover is Critical?

FAQs

Ques 1. Who is the TPA for Niva Bupa health insurance company?

Ans. TPA or the Third-Party Administrator of Niva Bupa health insurance is a corporate provider who works within the network hospitals enlisted under the company. Though you can easily buy your Niva Bupa health insurance plan online from InsuranceDekho by connecting with our customer care team 

Ques 2. What type of medical expenses get insured under Niva Bupa health insurance policy?

Ans. Niva Bupa health insurance provides medical coverage incurred on pre-hospitalisation, in-hospitalisation, and post-hospitalisation costs, domiciliary treatment, critical illnesses, accidents, organ donation surgery and many other healthcare services