How to File a Claim with Niva Bupa Health Insurance?

How to File a Claim with Niva Bupa Health Insurance?

Niva Bupa Health Insurance is committed to a customer-focused, efficient claim process. The Insurance provider promises a streamlined claim procedure and ensures that each policyholder is equipped with comprehensive support and guidance. Their in-house team is dedicated to quick and effective claim resolutions, ensuring that policyholders are supported every step of the way. Moreover, Niva Bupa Health Insurance stands out for its extensive research and implementation of simplified steps, making the claim process more manageable for its policyholders. This guide provides detailed guidance on Niva Bupa medical insurance claim process, highlighting key steps and offering practical tips to facilitate a stress-free experience for those insured with Niva Bupa.

Read More

Ways to File a Niva Bupa Health Insurance Claim

Niva Bupa Health Insurance Company allows policyholders to file claims in two ways: Cashless claims and Reimbursement claims.

1. Cashless Claims

   Niva Bupa Health Insurance Company ensures an efficient cashless claim process within its extensive network of hospitals. This facility allows policyholders to get medical treatment without needing upfront payment. The procedure is set up to handle claims swiftly and efficiently, which is an advantage in emergency cases.

2. Reimbursement Claims

   When availing treatment from hospitals outside of Niva Bupa Health Insurance Company’s network, policyholders need to settle their medical bills first and then file for a reimbursement claim. This option offers more flexibility in choosing hospitals and addressing various medical needs. The reimbursement claim process is systematically organized for ease of processing and settlement. Policyholders should keep detailed records and receipts to facilitate the reimbursement process.

How to File a Niva Bupa Health Insurance Claim Online with Policybazaar?

Policybazaar users can easily file a claim online for Niva Bupa health insurance. Here’s the process on Policybazaar.com:

Step 1: Contact Policybazaar's claim support team as soon as possible after hospitalization, either at 1800-258-5881 or through email at care@policybazaar.com.

Step 2: Sign in to Policybazaar.com and click ‘File a New Claim’ under the ‘Claims’ section.

Step 3: Select ‘Health Insurance’ and use your mobile number with OTP/password for logging in.

Step 4: Proceed as per the instructions and click on ‘File a new claim.’

Your claim will be filed, and Policybazaar will coordinate with Niva Bupa Health Insurance Company for you.

How to File a Claim with Niva Bupa Health Insurance?

Navigating the process of filing claims with Niva Bupa Health Insurance is straightforward. Here's a guide to help you with both cashless and reimbursement claims:

1. Niva Bupa Health Insurance Cashless Claim Process:

   Outlined below are the detailed steps to follow when filing a cashless claim with Niva Bupa Health Insurance:

   Network Hospital Admission

   Begin by getting admitted to a network hospital of your choice.

   Identity Verification

   Present your Niva Bupa Health Card or policy number along with a government-issued ID like a Passport, PAN card, or Voter’s ID for identity verification at the hospital.

   Pre-Authorization Request

   The hospital will verify your identity and submit a pre-authorization request to the insurance provider on your behalf.

   Insurer Confirmation

   The Insurer reviews the request and sends confirmation to the network hospital, usually within 30 minutes of the claim request. You will be notified via text message and email about the confirmation.

   Claim Settlement

   After your treatment, Niva Bupa Health Insurance Company will settle your insurance claim directly with the hospital, subject to the terms and conditions of your policy.

2. Niva Bupa Health Insurance Reimbursement Claim Process:

   Here is a step-by-step guide to help you navigate the process of filing a reimbursement claim with Niva Bupa Health Insurance:

   Informing the Insurer

   If hospitalized, inform the insurer within 48 hours of admission, regardless of whether it's a network or non-network hospital. Pay the bills directly to the hospital.

   Document Collection

   Post-discharge, gather all relevant documents, invoices, medical reports, and the discharge certificate. Ensure you have the originals as these are critical for your claim's processing.

   Submitting Your Claim

   Fill out and sign the claim form on the insurer’s website or in your policy document. Submit this form with the required documents, valid ID, and age proof

   Claim Review

   The Insurer will review your documents and claim request, then approve, query, or reject the claim based on policy terms and conditions.

   Claim Reimbursement

   Once approved, the insurance company will settle the claim and reimburse the approved amount as per the policy terms and conditions.

Documents Required to File a Niva Bupa Health Insurance Claim

To ensure a smooth claim process with Niva Bupa Health Insurance, ensure you have the following documents:

• Duly signed claim form
• Original pre-authorization request and approval letter
• Copy of the patient's photo ID card verified by the hospital
• Hospital discharge summary and operation theatre notes
• Main hospital bill and detailed break-up bill
• Investigation reports, including CT, MRI, USG, and HPE
• Operation Theatre notes
• Doctor's reference slip for investigations and ECG reports
• Pharmacy bills
• doctor's/surgeon's bill and receipt
• MLC report and Police FIR, if applicable
• Original death summary from the hospital, wherever applicable

FAQs