Niva Bupa Travel Insurance

Founded in the year 2008, Niva Bupa undoubtedly stands out as one of the leading insurance providers in India. The company has tailor-made comprehensive policies that cater to a diverse group of Indian travellers. Niva Bupa’s travel insurance covers a multitude of risks that travellers often face during their trips abroad.

Mentioned below are some of the top features of Niva Bupa travel insurance:

• Extensive Coverage:

• Covers a wide range of risks, including trip delay, interruption, cancellation, loss of checked-in baggage, medical emergencies, personal accidents, and medical evacuation
  
  

• Pre-existing Disease Coverage:

• Student travellers can avail 100% coverage as an add-on

• Under the single-trip policy, get coverage of up to 5% of the total sum assured (maximum of US $2500) for pre-existing diseases
  
  

• No Pre-policy Check-up:

• No pre-policy medical check-up is required for plans under Niva Bupa TravelAssure
  
  

• Simple and Intuitive Purchase Process:

• The policy is easy to purchase both through InsuranceDekho and Niva Bupa’s website
  
  

• Sum Assured:

• The total sum assured is US $500,000 for single-trip and student travel policies.
  
  

• COVID-19 Coverage:

• Under the TravelAssure plan, you will get total coverage for hospitalisation due to COVID-19
  
  

• Hassle-free Claims Process:

• Cashless claims for medical expenses and compensation for losses due to other covered risks can be made hassle-free

Niva Bupa offers a variety of travel insurance plans. Let’s have a look at them one by one:

• Basic Travel Policy: This insurance policy acts as an entry-level option for travellers who are seeking essential protection against potential risks during their journey. This policy comes with a lower premium as it has limited insurance coverage and covers only the basic travel risks associated with it.
  
  

• Comprehensive Travel Policy: Niva Bupa Travel Insurance’s comprehensive policy offers around 40 travel-related covers and other extensive optional benefits relating to various travel needs. It includes medical expenses, necessary medical attention, and the repatriation of mortal remains, providing peace of mind and protection for travellers, ensuring they receive necessary medical attention.
  
  

• Single Trip: A is specifically designed for one-time travellers, providing coverage for the duration of a single trip. The coverage period begins and ends with the dates specified for that particular trip. It also offers convenience and flexibility without the need to buy an annual or multi-trip policy.
  
  

• Multi-trip: This option is perfect for frequent travellers, making sure that seamless protection is provided for all their travel adventures during the policy. Instead of obtaining singular coverage for each trip, this option provides coverage for all the trips within the policy term.
  
  

• Student: This plan is ideal for students who are travelling for further education and includes coverage options such as sponsor protection and study interruption coverage. With customised benefits for their unique needs, this plan becomes a constant support during their educational journey and any unforeseen circumstances.

Policy buyers can choose from single, family, group, or other plans based on their requirements.

Niva Bupa offers comprehensive travel insurance coverage and protects travellers from a variety of needs and hassles which they encounter during their trips and adventures. Here are some of the following inclusions:

NOTE: These offers are provided with bundled and curated personalised plans for each country. Always refer to policy documents to claim these covers and more understanding.
*Standard terms and conditions apply.

To buy Niva Bupa Travel Insurance through InsuranceDekho, simply follow the stepwise process mentioned below:

Step 1: Go to the InsuranceDekho website and click on the “Travel Insurance” section.

Step 2: Fill in the required details, such as duration of travel, the place you are visiting, and information about the travellers in the form that is visible.

Step 3: A list of travel insurance plans is visible based on the inputs provided.

Step 4: Select the type of plan you wish to buy or compare multiple plans listed based on your inputs

Step 5: After comparison, select the best Niva Bupa travel insurance of your choice

Step 6: You will be redirected to the payment portal. Pay for the selected plan using the available modes of payment.

Step 7: Upon successful payment, you will be notified through mail along with the attached policy details.

How to Renew Niva Bupa Travel Insurance Plans?

If you are an existing customer, then the following are the steps to renew your Niva Bupa Travel Insurance policy:

Step 1: Visit the official website of Niva Bupa Travel Insurance.

Step 2: Enter the details, such as policy number and policy expiry date. This is required to access your previous policy details in case of renewal.

Step 3: You will be redirected to the new section. Look for the option for renewal and click on the “Renew” button.

Step 4: If you wish to extend the coverage, make the required changes by adding rider benefits.

Step 5: At last, review your renewal quote and proceed to the payment page. Complete the process using the preferred mode of payment.

How to Claim Niva Bupa Travel Insurance?

Unexpected emergencies can lead to piling travel expenses for travellers. Follow the below-mentioned steps for Niva Bupa travel insurance to experience a simple and hassle-free claiming process:

Step 1: Get in touch with Niva Bupa's Customer service or support team to initiate the claim process.

Step 2: If you are travelling overseas, then you can also connect with a global third-party administrator.

Step 3: File a claim online, via email or in person. You can initiate this while overseas or upon returning to India if it is convenient for you.*

Step 4: Submit the duly filled form along with the required documents. It varies based on the type of claim, for example, loss of baggage, trip cancellation, medical emergency, death, etc.)*

Note: Since this is a travel insurance plan, no pre-policy medical checkups are required.
*Standard terms and conditions apply.

Claims For Medical Emergencies

There are two types of claims available with Niva Bupa Travel Insurance in cases of medical emergencies:

Cashless Claim:

1. Inform InsuranceDekho’s Claim Assistance Cell about the claim using a toll-free number or email and provide them with travel insurance details.

2. Then, initiate the GOP (Guarantee of payment ) process with the hospital providing the ongoing medical treatment.

3. After a proper assessment of the claim is initiated, InsuranceDekho will send the document to Niva Bupa for Approval/Rejection/Investigation.

4. Upon approval from Niva Bupa, they will send a verification letter via email.

5. The GOP will be released directly to the hospital as per the amount mentioned in the claim process.

6. Further additional amounts required by the hospital will be directly coordinated by InsuranceDekho.

7. Upon discharge, documents will be sent directly to the InsuranceDekho claim assistance team, and settlement documents will be sent to the hospital.

Reimbursement Claim:

1. Claim-related intimation: Initiate the claim process by informing your insurer about the incident and the claim under which the assistance is sought. Provide them with thorough information about the incident and the nature of the loss that occurred.
   
   

2. Basic Details Required: provide them with the basic details required to move forward with the process, such as;

1. Name of the insured

2. Policy Number

3. Date of Birth

4. Email Address

5. Local Contact Number

6. Claim amount bifurcation
   
   

3. Submission of documents: Submit the relevant and mandatory documents required for the reimbursement claim process:

1. Claim form

2. KYC as per passport or Aadhar details

3. Cancelled cheque of the proposer

4. Discharge summary

5. Final bill along with break up

6. Payment receipts

7. All investigation reports
   
   

4. Claim Investigation: The insurer will conduct a thorough check before approving or rejecting the claim.
   
   

5. Claim Amount Confirmation: Upon successful verification of the details provided, the amount will be disbursed as per the required bifurcation provided.

To apply for a reimbursement claim, you need to have the following contact details available to initiate the process:

1. Call number (with Call back Facility): +91 (0) 22 6787 2092

2. Email Address: nivabupa@europ-assistance.in

3. Postal Address for Physical Documents: Girnar Insurance Brokers Private Limited, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India

Important Notes:

• All claims are indemnity-based; claim admissibility is decided upon receipt of complete documents along with bills and receipts of payment.

• Submit all claim-related supporting documents after registering the claim. Refer to the policy wording document and the claim procedure for required documents.

• Claims are processed according to policy benefits, terms, and conditions. The final decision on any claim is made after receiving and assessing all documents.

If your grievances are not addressed, you can get in touch with our customer assistance team as soon as possible. Mentioned below are the details:

1. Email: grievance@insurancedekho.com.

2. Further, if you need more assistance, you can elevate it to the Principal Officer at PO_GIBPL@girnarinsurance.com.

3. Contact Number: 7551196989

4. Mail Address: Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.