Niva Bupa Mediclaim insurance India

Assistance Contact Numbers:

Cashless claims process

Reimbursement claims process

Information to be kept ready while intimating the claim:

• Policy Number
• Insured/Claimant contact details (phone no. , email id, address, landmark etc.)
• Name of Insured/ claimant person, who is hospitalised
• Relationship of insured with the person who is hospitalised.
• Name of the hospital
• Health Claims - Nature of ailment
• Commencement date of the symptom of ailment
• Accident Claims
  • Nature of accident
  • Date & time of accident
  • Location of accident

Exclusions Under the Policy

• Suicide or self inflicted Injury, whether the Insured Person is medically sane or insane
• War (whether declared or not), invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion
• Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time
• Any change of profession after inception of the Policy which results in the enhancement of Our risk, if not accepted and endorsed by Us on the Schedule of insurance Certificate
• Committing an assault, a criminal offence or any breach of law with criminal intent
• Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medicial Practitioner other than the Policyholder or an Insured Person
• Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel
• Participation in aviation/marine including crew other than as a fare-paying passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports
• Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc
• Any disability arising out of Pre-existing Diseases if not accepted and endorsed by Us
• Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an Accident during the Policy Period. However this exclusion is not applicable to claims made under the PPD benefit