We all know that there can be tough times in everyone’s life when you have to deal with health issues that can burn a hole in your pocket. In today’s expensive world, getting good medical treatment can be very costly, especially for middle and lower-class families. And no one would ever want to be left untreated from a disease due to financial problems. So, what can be a solution to this?
Health insurance like Niva Bupa (formerly known as Max Bupa) can be your ideal choice. The Niva Bupa health insurance is one the most trusted and popular health insurance in India, which is a joint venture of “True North” (India) and “Bupa.” (UK). This article will give you a complete overview of Niva Bupa health insurance and how you can get one. So, let’s get started with it!
What is Niva Bupa (Max Bupa) Health Insurance?
There are many network hospitals that provide cashless treatment, and Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) Company Limited has a network of more than 34,000 such agents. The insurance claims 9 out of 10 cashless claims are resolved within 30 minutes. The business has gathered its employees’ diverse and in-depth expertise in insurance and healthcare.
The Niva Bupa Health Insurance (formerly known as Max Bupa Health Insurance) plans have been created to meet various requirements of its diverse customer base, ranging from young children to senior citizens. This health insurance plan comes with a number of add-on benefits, and the co-payment clause is also not applicable in most of the plans.
What are the top features of Niva Bupa Health Insurance?
Listed below are the top features of Niva Bupa Health Insurance:
The number of members – The Niva Bupa health insurance plan offers coverage for up to 4 family members, that includes 2 adults and 2 children.
Lifelong Renewal – Sincethe Niva Bupa health insurance plans are lifelong renewable, you won’t have to worry about the costs or stress of an unexpected medical expense, and you’ll always be ready for any health emergencies .
Pre- and post-hospitalization coverage – The Niva Bupa health insurance plan covers connected medical costs for 30 days prior to hospitalization and 60 days following hospitalization.
Pre-existing diseases – Niva Bupa Health Insurance covers pre-existing diseases after a 4-year waiting period.
Hospital room rent – There are zero or no sub-limits on room rent in Niva Bupa health insurance.
Why should you get Niva Bupa Health Insurance?
The fact that Niva Bupa Health Insurance provides its customers with a number of advantages makes it a popular choice for many. Some of them are listed here:
Painless Health Insurance Claim Settlement: The insured is provided with a rapid and simple claim settlement process by Niva Bupa Health Insurance. A cashless hospital network, quick and easy doctor consultations, doorstep tests, and pharmacies are all included in the plan. The plan has other advantages, like direct claim settlement, 30-minute cashless claim processing, and one-on-one interactions with cashless claims. Moreover, the reimbursement claims include direct reimbursement payout and a transparent reimbursement disbursal process.
Vast Network of Hospitals: Niva Bupa Health Insurance has a large network of 7,000 hospitals where the insured can easily get cashless services. You also get a chance to choose between scheduled hospitalization and emergency hospitalization. Just make sure to notify the insurance provider in advance and within the allotted time to be eligible for benefits under your policy’s terms and conditions.
High Claim Settlement Ratio: We all know, a health insurance coverage that provides you with benefits in the event of a claim is worthwhile. The Claim Settlement Ratio for Niva Bupa Health Insurance is as high as 96%. This demonstrates how competently the insurance provider manages insured claims.
Health App: Niva Bupa Health Insurance offers a health app that enables policyholders to access health insurance plans hassle-free at their fingertips. You can schedule OPD appointments with doctors or a pathology lab for diagnostic testing, participate in e-consultations, and purchase medications at home with the app.
How can you apply for Niva Bupa Health Insurance online?
There are various forms through which you can get insurance from Niva Bupa Health Insurance. We have listed below the possible ways by which you can get insurance from Niva Bupa:
People interested in purchasing insurance can speak with a specialist by calling the Niva Bupa (formerly Max Bupa) medical insurance company’s sales helpline directly.
On the website of Niva Bupa (formerly known as Max Bupa), users can request a callback by providing personal information such as their name, phone number, and email address.
Online health insurance plans can be purchased instantly by selecting the Buy Now option next to the various Niva Bupa plans,
As an alternative, the consumer can purchase a suitable plan by going to a nearby Niva Bupa branch.
How can you file a claim with Niva Bupa Health Insurance?
There are two types of claims that one can claim with Niva Bupa Health Insurance:
Cash Claim: Visit a network hospital and provide your health card with a policy number and a legal photo ID at the hospital desk to make a cashless claim. Your identity will be confirmed by the network hospital, which will then obtain pre-authorization from the insurance or TPA. The request will be processed by the insurance provider or its Third-Party Administrator, who will then approve it and notify the hospital. In the event of a denial, the insured person can still receive treatment at the same facility but will be responsible for covering the associated costs out of pocket before filing a reimbursement claim. If approved, the insurance provider will pay the hospital’s invoice directly.
Reimbursement Claim: If a hospitalization is scheduled, inform the insurance 48 hours in advance of the admission. You should pay the medical bills in full advance. When you are discharged, gather all of your original medical records and give them to your insurance company along with a properly completed and signed claim form that you may find online. The claim will be handled and authorized in accordance with the policy’s terms and conditions.
Conclusion
It’s true a medical ailment is an uninvited affair that can drain all your savings. Therefore, having an insurance by your side can be of great relief. One such health insurance is Niva Bupa which has great plans to suit your needs. You can easily get one for yourself and protect yourself from unforeseen circumstances.
FAQs
A health insurance policy helps you to save money by waiving off all your medical expenses. It is a sensible decision to purchase health insurance policies for you and your family to cover the expense of medical care. With the aid of this insurance, you can receive cashless hospitalization for a period longer than 24 hours.
Your health insurance plan includes a health card. You can take advantage of your health insurance policy’s benefits with this card.
By presenting your health card to the hospital administration, you can receive cashless hospitalisation exclusively in the Niva Bupa network facilities.