What are the waiting periods under the Health Premia Policy offered by Niva Bupa Health Insurance?

The initial waiting period for Health premia Policy offered by Niva Bupa Health Insurance is 30 days, after which you can make a claim as per the terms and conditions mentioned under the policy. However, the waiting period for pre-existing conditions is 24 months. Kindly note that the waiting period is calculated from the date of commencement of the policy.

What are the loyalty additions offered under the policy?

The policy offers you additional coverage (10% or 20% of base sum insured), as per the terms and conditions of the policy, on completing every year.

Who all can be covered under this policy on a family floater basis?

On a family floater basis, the policy allows you to add 19 relationships. These include self, legally wedded spouse, son, mother, father, daughter in law, etc.

Do I get any tax benefits on paying the premium for this policy in cash?

No. You can only avail tax benefits under Section 80D on the premium paid for this policy, if the premium is paid in any mode other than cash.

What's the highest amount the plan covers?

The maximum coverage amount of this health insurance plan is Rs. 3 crores.

Niva Bupa Health Premia Insurance Wordings

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Highlights

Cashless Approval TAT	Within 30 minutes
Claim Settlement Ratio	92.00%
Network Hospitals	10,000+
Pre-existing Disease Coverage From	Day 1
Special Benefits	Unlimited restoration
Starting Premium for Rs. 5 lakhs SI	Rs. 550/month

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Niva Bupa Health Insurance Plan List

Name of Plan	Sum Insured
Senior FirstPopular		Check Premium
Niva Bupa Health CompanionPopular		Check Premium
ReAssure 2.0Popular		Check Premium
Health Pulse Policy Min: 91 days; Max: 65 yearsPopular	3 Lakh - 25 Lakh	Check Premium
Health Companion PolicyMin : 91 Days; Max: 65 YearsPopular	3 Lakh - 1 Crore	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular		Check Premium
ReAssure Policy Min : 18 Years; Max: 65 Years	3 Lakh - 1 Crore	Check Premium
CritiCare PolicyMin: 18 years; Max: 65 years	3 Lakh - 2 Crore	Check Premium
Heartbeat PolicyMin: 18 years; Max: No Limit	5 Lakh - 1 Crore	Check Premium
Health PremiaMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
Corona Kavach PolicyMin : 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium

Niva Bupa Health Insurance Top Up List

Name of Plan	Sum Insured
Health Recharge Policy Min: 18 years; Max: 65 yearsPopular	2 Lakh - 95 Lakh	Check Premium

10059 Niva Bupa Cashless Network Hospitals in India

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FAQs on Health Premia Health Insurance Plan

What are the waiting periods under the Health Premia Policy offered by Niva Bupa Health Insurance?
The initial waiting period for Health premia Policy offered by Niva Bupa Health Insurance is 30 days, after which you can make a claim as per the terms and conditions mentioned under the policy. However, the waiting period for pre-existing conditions is 24 months. Kindly note that the waiting period is calculated from the date of commencement of the policy.
What are the loyalty additions offered under the policy?
The policy offers you additional coverage (10% or 20% of base sum insured), as per the terms and conditions of the policy, on completing every year.
Who all can be covered under this policy on a family floater basis?
On a family floater basis, the policy allows you to add 19 relationships. These include self, legally wedded spouse, son, mother, father, daughter in law, etc.
Do I get any tax benefits on paying the premium for this policy in cash?
No. You can only avail tax benefits under Section 80D on the premium paid for this policy, if the premium is paid in any mode other than cash.
What's the highest amount the plan covers?
The maximum coverage amount of this health insurance plan is Rs. 3 crores.

Claim Process at Niva Bupa Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Niva Bupa Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Niva Bupa Health Insurance
1860-500-1000Mon to Fri 10:00 AM to 7:00 PM