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Niva Bupa Arogya Sanjeevani Health Insurance

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Niva Bupa Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio90.70%
Network Hospitals10,000+
Pre-existing Disease Coverage FromDay 1
Special BenefitsUnlimited restoration
Starting Premium for Rs. 5 lakhs SIRs. 550/month

About Niva Bupa Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy, Niva Bupa Health Insurance is an indemnity-based medical insurance policy that covers individuals and families for several healthcare expenses. The policy covers people aged between 18 years and 65 years for a wide range of sum insured options. You can choose between Rs. 1 Lakh, Rs. Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh as per your requirement. The policy is an affordable one and covers many relationships such as a legally wedded spouse, dependent children, parents, and parents-in-law.

The policy offers a great number of coverage benefits to the insured. Some of these include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, modern treatments, AYUSH treatments, and road ambulance expenses up to a specific limit. Other than coverage benefits, the policy also offers lifetime renewability benefits, tax benefits under Section 80D of the Income Tax Act, 1961, and a free look period. One of the policy highlights is that you do not need to undergo a health check-up if you are aged up to 45 years. All in all, the policy is easy to understand and covers you for major healthcare expenses.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • Daycare expenses
  • New age treatments such as robotic surgeries, bronchial thermoplasty, etc.

What's Not Included

  • Change of gender treatments
  • Maternity expenses
  • Nuclear, chemical or biological weapons attack
  • Dietary supplements that can be purchased without any prescription
  • Treatment required due to participation in any hazardous activities such as mountain climbing, etc.

10059 Niva Bupa Cashless Network Hospitals in India

Arogya Sanjeevani Policy User Reviews

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What users are saying
  • All
  • Very Affordable policy

    The Niva Bupa Health Insurance- Arogya Sanjeevani Policy is an affordable policy that I purchased at InsuranceDekho. The policy offers me many coverage benefits that I was looking for. I suggest everyone buy this policy as it is an affordable one and provides much-needed coverage. 

    N
    By Nikhil Sharma
    On: Aug 22, 2023
  • Best policy as per my needs

    I wanted an affordable health insurance policy that covers me for critical illnesses. I read about the Niva Bupa Health Insurance- Arogya Sanjeevani Policy for Women at InsuranceDekho and found that it fulfilled my requirements. Hence I didn’t delay and bought the policy

    S
    By Simar Kaur
    On: Aug 01, 2023
  • Informative and Educational Re...

    I appreciate the educational resources provided by InsuranceDekho. They offer valuable information about health insurance, helping customers like me make informed decisions to buy the Niva Bupa Health Insurance-Arogya Sanjeevani Policy. The articles and guides on their website are well-researched and have been a great help in understanding health insurance.

    G
    By Girisha Rawal/
    On: Jul 28, 2023
  • Finest Health Plan With Maximu...

    The process of buying a health insurance plan from InsuranceDekho is quite simple. I bought Niva Bupa Health Insurance- Arogya Sanjeevani Policy to protect my parents, family, and myself as it was providing us the maximum benefit in comparison to the other health insurance plans. Buying this policy with InsuranceDekho was my best decision and would advise everyone. 

    R
    By Rahul Jhanji
    On: Jul 12, 2023
  • Policy Tracking Support

    It was very easy to satisfy my insurance needs with InsuranceDekho. I bought the Niva Bupa Health Insurance- Arogya Sanjeevni Policy from the company’s official website. Tracking my health insurance plan after the purchase was as simple as choosing the plan from their online platform. The customer support team was the best. I am thankful that they have gone above and beyond to make my purchasing experience smooth and convenient. 

    D
    By Deepika Pandey
    On: Jun 16, 2023

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.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • Can I buy Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance on a family floater basis?

    Yes. You can buy Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance either on a family floater basis or an individual basis. On a family floater basis, you can include a self, legally wedded spouse, dependent children, parents, and parents in law. 

  • What is the eligibility criteria for Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance?

    To purchase Arogya Sanjeevani Policy, Niva Bupa Health Insurance, you must be aged between 18 years and 65 years. The policy can also cover dependent children if they are aged between 3 months and 25 years.

  • Is there any cumulative bonus offered under Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance?

    Yes. Under Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance, you can avail a bonus of 5% of the sum insured for every year a claim is not made, for a maximum of 50%.

  • Is there any health check-up required to be covered under Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance?

    There is no requirement of undergoing a medical check-up if you are an individual aged Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance.

  • Can I avail tax benefits on the premium paid for Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance?

    Yes. If you pay the premium for Arogya Sanjeevani Policy offered by Niva Bupa Health Insurance in any mode other than cash, then you can avail tax benefits on the premium paid for it, under Section 80D of the Income Tax Act, 1961.

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