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Niva Bupa Health Premia Individual Medical Insurance

Niva Bupa Premia Individual health Insurance

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Key Highlights of Health Premia Individual Medical Insurance

Health care is very expensive nowadays. More than the disease itself, it is often the cost of treatment that takes its toll. Health insurance policy covers medical expenses incurred during pre and post hospitalisation stages. Buy Indian health insurance policy for you and your family and get rid of health care expense worries.

Niva Bupa Health Insurance review

Niva Bupa Health Insurance sum insured
2 lacs − 300 lacs options available

Incurred Claims Ratio *
58.00%

Niva Bupa Health Insurance tenure options
1 year

Claims Settlement Ratio **
88.39%

Niva Bupa Network hospitals list
8,600+ hospitals

Number of policies issued *
8,56,664

Maximum family floater coverage
Self, Spouse + 4 dependent children

Number of lives covered *
4,138,958

* As per IRDAI report for 2020-21 | ** As per NL25 data published on the Insurance Company website

Health Premia Individual Mediclaim Insurance

Key features of Health Premia Individual Insurance

Room Rent : : Covered upto Sum Insured
Co-pay : NIL co-pay for all inpatients, 20% for OPD treatment
Restoration (Refil) Benefit :Upto 100% of Base Sum Insured per year

Life long renewal
15 Day Free look period.
International coverage for specified illness and medical emergencies.
Every year free health check up for all members.
Hospitalization
- Pre-hospitalization: Medical expenses up to 90 days prior to date of admission in the hospital.
- Post-hospitalization: Medical expenses up to 180 days after discharge from the hospital.
Emergency Ambulance Charges
- Network Hospitals: covered up to sum insured.
- Non-Network hospitals: covered up to Rs-2,000 per event.
Day care procedures:covered up to sum insured.
Income tax benefit: under section 80-D for claiming the tax deduction for the payment of premium.

Niva Bupa Health Insurance FAQ's

What all KYC documents are required in cases of reimbursement?

The following KYC documents are required from the insured person/proposer in cases of reimbursement-

If claim amount is below 1 lakh- Photo Id proof & address proof
If claim amount is above 1 lakh- Photo Id proof, address proof and a recent photograph

What cheque can I submit for a claim payment?

A printed name cancel cheque under the name of the proposer/ patient has to be submitted. If the name is not printed on the cancel cheque, we will require an attested bank passbook along with the bank statements of the last three months.

What all KYC document are required for a case of reimbursement if there is demise/death of the policyholder/patient?

The following KYC documents are required for reimbursement if there is a death of a policyholder-

Photo Id proof, address proof and a recent photograph of either the patient/proposer
Photo id proof, address proof and a recent photograph of the nominee.

What is a deductible?

A deductible is a cost-sharing requirement. It states that the insurer will not be liable for a specified amount in case of indemnity policies. This is applicable for a specified number of days/hours in case of hospital cash policies which apply before any benefits are payable by the insurer. Remember that a deductible does not reduce your sum insured.