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Niva Bupa Health Premia Family First Insurance

Niva Bupa Health Premia Family First Insurance

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Unique features of Health Premia Family First Insurance

Critical Illness Cover: An optional coverage against 20 major critical illnesses like cancer ,open heart surgery,kideny failure,strokes etc is available.
Tenure Discount: If you pay 2 year policy term,you get a discount of 7.5% on the premium of second policy year.On the other hand.
If you choose 3 year policy term, you get an additional discount of 15% on the third year's premium.
All day care procedures covered after 90 days (only in Niva Bupa)
Personal Accident Cover:This cover can be opted by any member of your family who is aged 18 years or above.
Direct claim settlement, no third party involved.
Cashless hospitalization across network of quality hospitals.
health check-up (from day 1):Annual, tests covered up to worth Rs-5000 per insured person.

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

Niva Bupa Health Premia Family First Insurance

Key Features
Coverage

Key highlights of Niva Bupa Health Premia Family First Insurance

Niva Bupa Family First health insurance for your entire family is available as Niva bupa family first silver plan and Niva bupa family first gold plan. Direct claim settlement and no restriction of age for enrolment are some of the features under family first plan. Get free quote and buy Niva Bupa Family First insurance plan.

Family First Coverage Benefits

Life long renewal
As per the years premium increases
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.
No medical test require upto 60.
Maternity benefit: Plan provides you maternity benefits up to two deliveries.
New born baby: Covered up to Sum Insured for one year.
Lifelong renewal.
Tax benefit.
Health check up at the time of renewal.

Niva Bupa Health Insurance FAQ's

Which hospitals are covered under Niva Bupa Health Insurance?

Niva Bupa has an extensive network of 4500+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the Niva Bupa network hospital list available on Niva Bupa

How many claims can be made by the policyholders in a year from Niva Bupa?

There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured, unless the chosen plan has a Sum Insured Refill benefit, which provides additional coverage even after filing a claim.

What do you mean by Pre-Existing Disease?

A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 36 months prior to 1st health insurance policy issued by Us under which the insured person was covered.

Is Health Insurance the same as Life Insurance?

No. Most Life Insurance products are designed to protect your family (or dependents) from a financial loss that may arise in the event of your untimely death. The payout is made mostly post the death of the person insured or at the maturity of the policy. Health Insurance on the other hand, protects you against ill health or diseases by covering the expenses you might incur for treatment, diagnosis etc. Health insurance policies need to be renewed annually.