Niva Bupa Health Insurance FAQs

To get the Niva Bupa health insurance for cancer your age should be 18 years to 65 years old and dependent children should be 2 years to 21 years of age.

Yes, you can avail of cashless treatment for cancer-related expenses under Niva Bupa Health Insurance. You have to inform Niva Bupa before your hospitalisation and you have to take treatment at network hospitals.

Yes, there are plans that cover alternative treatments like AYUSH, homeopathic etc and for cancer, it will depend on the type of plans purchased. To know more carefully read your policy documents.

Yes, the Niva Bupa Health Insurance cancer plan does cover chemotherapy and radiation therapy and it will also depend on the plan you have purchased.

Permanent exclusions like self-harmed injury or illness, use of narcotics, abuse of drugs, use of alcohol, and nuclear contamination are permanently excluded from the health insurance plan.

Niva Bupa Health Insurance settles the cashless claim directly with the hospital and in the reimbursement claim, the company takes 7 days to settle the claim.

Yes, you can track the status of your claim online through the Niva Bupa Health Insurance website.

The documents that are required to file a cashless claim are a health card along with your identification proof and in a reimbursement claim you have to submit all bills from the hospital and a duly filled claim form along with identification proof.

If your claim gets rejected then you should contact Niva Bupa Customer Support to know the reason for the rejection. If you are unsatisfied with the decision then you should file a complaint to the Insurance Regulatory and Development Authority of India ( IRDAI ).

Yes, you can purchase Niva Bupa critical illness insurance as a standalone policy.

Yes, there are age restrictions available for enrolling in Niva Bupa critical illness insurance. The age requirement for adults is between 18 years and 65 years and for children it is from day 1 to 21 years old.

Yes, you can waive the waiting period for critical illness claims by paying an extra premium for the health insurance.

Yes, you can add your family members to the critical illness policy of Niva Bupa Health Insurance.

Every health insurance comes with certain eligibility criteria and you have to fulfil those criteria to enrol with Niva Bupa health insurance plans.

Yes, you can purchase health insurance from Niva Bupa Health Insurance if you are already a diabetes patient. There will be a waiting period for a certain year which you have to serve to get a claim for diabetes treatment.

Niva Bupa health insurance plans offer several specific benefits to help policyholders manage and reduce the risks associated with diabetes. Those benefits are hospitalisation expenses, pre and post-hospitalisation expenses, cashless hospitalisation, diagnostic test coverage, ambulance charges, daycare procedures etc.

Yes, there is a waiting period for diabetes and it will depend on whether it is pre-existing or it is diagnosed after purchasing the policy. If it is diagnosed after purchasing the policy then you will get coverage after 30 days of policy purchase. If you have diabetes as a pre-existing disease then you will get a claim after serving a waiting period of 3-4 years.

Yes, there is a waiting period for maternity coverage to become effective and you have to serve 2-4 years of waiting period. There are plans available in which you have to serve only a 9-month waiting period to get coverage of maternity.

No, you cannot purchase a Niva Bupa health insurance plan to get coverage for maternity if you are already pregnant.

Yes, prenatal check-ups, delivery and postnatal care are covered by Niva Bupa Health insurance under maternity coverage.

Yes, Niva Bupa health insurance gives coverage for newborn baby expenses.

Yes, Niva Bupa Health Insurance covers both normal and caesarean deliveries.

No, there are no specific health insurance plans available in Niva Bupa that are only for athletes or people with active lifestyles.

Yes, there are plans available in Niva Bupa in which you can get a discount on your premiums if you have a healthy lifestyle.

Yes, Niva Bupa Covers alternative therapies like Ayurveda or homoeopathy for certain conditions.

Yes, you can pay your Niva Bupa health insurance premiums in installments on a monthly, quarterly, or half-yearly basis.

Annual premiums for Niva Bupa health insurance depend on different factors such as the age of the policyholder, sum insured, types of plan, add-on cover, and pre-existing conditions. You can also use a premium calculator to calculate your premium according to your needs and requirements.

Niva Bupa offers a flexible payment option to its customers and you can pay your premium monthly for your health insurance plan.

The maximum sum insured available in the health insurance is 1 Crore.

Yes, you can choose the deductible option to lower your Niva Bupa Health insurance premium.

No, you cannot renew your policy of Niva Bupa health insurance after expiry.

According to IRDAI, you can renew your health insurance policy within 30 days.

Yes, you can switch to a different plan during the renewal process with Niva Bupa health insurance.

Yes, you can increase or decrease your sum insured during the renewal process of Niva Bupa Health Insurance.

Yes, there is a limit on the amount you can claim for a tax deduction on Niva Bupa premiums under Section 80D of the Income Tax Act. People who are senior citizens can claim the amount 50,000 and for adults, it is 25,000.

Yes, NRIs (Non-Resident Indians) can claim tax benefits on health insurance premiums paid for themselves, their spouse, and dependent children under Section 80C of the Income Tax Act.

No, you cannot claim tax benefits for Niva Bupa health insurance premiums paid through a Health Savings Account (HSA).

Yes, you can claim tax benefits if you pay Niva Bupa health insurance premiums annually if you file your taxes half-yearly.

No, you cannot claim for pre-existing conditions under a Niva Bupa Top-up plan.

If your claim amount exceeds both base plan coverage and Top-Up plan sum insured then you have to pay the rest amount from your pocket.

No, the Niva Bupa Top-Up Plan does not cover hospitalisation expenses outside India.

No, you cannot customise the Niva Bupa Top-Up Plan with additional riders because it is designed to be used as a support to your base plan.