Introduction
Niva Bupa Health Insurance Company Limited, one of India’s leading health insurance companies, is known for its comprehensive coverage, digital focus, and customer-centric services. The company was earlier known as ‘Max Bupa’ but is now known as Niva Bupa. The company’s mission is to ‘make healthcare easier’ and it focuses on providing health management and holistic healthcare solutions rather than just insurance. Niva Bupa offers different plans for every segment—individual, family, senior citizen, children, and critical illness customers. The company also offers its customers features like no-claim bonus, free health checkups, tele-consultation, and wellness programs to ensure their complete health protection.
Detailed information of the plans
1. Swasthya Sathi Policy
- Coverage: Sum insured from Rs 5 lakh to Rs 1 crore
- Features: Lifetime renewal, no room rent limit (sum insured up to Rs 1 crore), day care procedures, pre/post hospitalization (60 days before, 180 days after), annual free health check-up, no claim bonus on each claim-free year.
- Suitable for: People who want high coverage for family or individually.
2. Swasthya Recharge Policy
- Coverage: Rs 2 lakh to Rs 5 lakh
- Features: 45 days before and 60 days after hospitalization, AYUSH treatment coverage, maternity benefit (after 2 years waiting), newborn baby coverage, regular health check-ups.
- Suitable for: Families and youth looking for basic medical expense protection on a limited budget.
3. Health Premia Policy
- Coverage: Rs 10 lakh to Rs 1.5 crore
- Features: Unlimited restoration benefits, no room rent limit, diagnostics and advanced treatment coverage, protection for both inpatient and outpatient, international coverage, critical illness benefit, tele-consultation.
- Suitable for: People who prefer comprehensive protection, international treatment, and excellent healthcare.
4. Senior First Policy
- Coverage: Rs 3 lakh to Rs 10 lakh
- Features: Pre-existing illness coverage from day one, home treatment, dialysis, physiotherapy, home healthcare, dedicated care manager.
- Suitable for: Citizens aged 60 years and above.
5. Family Floater Health Plan
- Coverage: Rs 3 lakh to Rs 25 lakh
- Features: Entire family coverage in a single policy, inclusions for children and parents, maternity and newborn benefits, family discounts.
- Suitable for: All types of families, especially families with small children and elderly members.
How to get insurance? (Online and Offline Process)
Online Process
Visit the company website
- Visit the official website of Niva Bupa (nivabupa.com) and open the health insurance section there.
Choose a plan
- Choose a suitable plan according to your need and budget.
Calculate the premium
- Calculate the premium with the help of the policy premium calculator.
Fill in the personal details
- Like name, age, medical information, details of family members, etc.
Upload documents
- Upload the required documents like Aadhaar card, identity card, age certificate, photo, etc.
Pay online
- Submit the application by making payment through net banking, debit/credit card or UPI.
Get the policy document
- After the payment is completed, you will receive the policy certificate in your email and account.
Offline Process
- Contact an insurance agent: Contact any authorized agent of Niva Bupa, they will complete the entire process for you.
- Visiting the branch: You can buy insurance by visiting the company’s branch, submitting documents and choosing the policy.
Special Benefits of Niva Bupa Health Insurance
- Lifetime Renewal: Policy renewal without age limit.
- No Claim Bonus: Sum Assured increases for each claim-free year.
- Cashless Treatment: At over 10,000 hospitals across the country.
- Pre & Post Hospitalization Coverage: Pre-admission and post-discharge expenses.
- Tax Benefits: Tax exemption under Income Tax Section 80D.
- Maternity & Newborn Cover: In some plans.
- Additional Benefits: Tele-medicine, wellness programs, free annual health check-up.
- Special Benefits: Coverage of AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) in some plans.
Tips for Plan Selection
- Assess your health needs (chronic diseases, elderly, children).
- Decide the premium and coverage as per your budget.
- Check the list of included-excluded features, waiting period, network hospitals in the plans.
- Take additional covers like critical illness, personal accident, daily cash allowance etc. if required.
Conclusion
Niva Bupa health insurance is a reliable and safe option for Indian families in case of medical emergencies. Its diverse plans, comprehensive coverage, cashless network, quick claim process and customer-centric convenience make it even more special. For a healthy future and financial security for yourself, your family or senior citizens, choose a plan from Niva Bupa today and stay protected from medical inflation.