Niva Bupa Health Insurance for NRIs

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      Overview of Niva Bupa Health Insurance for NRI

      Niva Bupa health insurance for NRI has been designed to cover NRIs or Non-resident Indians against unforeseen medical expenses, including accidents and illnesses. It covers the cost of medical treatment and assistance availed during their visit or stay in India. It also comes with lucrative benefits, including ReAssure+, Booster+, annual health check-up benefits, etc.

       
      Niva Bupa Health Insurance Plans for NRI in Detail:
      Niva Bupa ReAssure 2.0 Plan

      The Niva Bupa ReAssure 2.0 plan comes with a sum insured amount ranging from Rs 5 lakh to Rs 1 crore. The plan is available in two variants – Platinum+ and Titanium+.

      Coverage Benefits:

      • In-patient care, e-consultation, second medical opinion and modern treatments are covered
      • ReAssure+, Booster+, annual health check-ups from day 1 and live healthy benefit are available
      • Pre-hospitalization expenses, post-hospitalization expenses and ambulance charges are covered
      • Home care benefit, organ door cover and shared accommodation benefit are available
      Read more
      Niva Bupa Health Recharge Plan

      The Niva Bupa Health Recharge plan is available with sum insured options ranging from Rs 2 lakh to Rs 95 lakh.

      Coverage Benefits:

      • Coverage for in-patient treatment, mental disorders and HIV/AIDS are available
      • E-consultation, pharmacy & diagnostic services and modern treatments are covered
      • In-patient physiotherapy, artificial life maintenance and living organ donor transplant are available
      • Emergency ambulance, day care treatment, alternative treatment and domiciliary treatment are covered
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      Niva Bupa Senior First Plan

      The Niva Bupa Senior First plan comes with a sum insured amount ranging from Rs 5 lakh to Rs 25 lakh. The plan is available in two variants – Gold and Platinum.

      Coverage Benefits:

      • Hospitalization expenses, AYUSH treatments and treatment at home are covered
      • Coverage for organ donor expenses, ambulance charges and day care treatments are available
      • Both pre-hospitalization and post-hospitalization expenses are covered
      • Annual health check-ups, ReAssure benefit and no claim bonus are available
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      Niva Bupa Health Companion Plan

      The Niva Bupa Health Companion plan is available with sum insured options ranging from Rs 3 lakh to Rs 1 crore.

      Coverage Benefits:

      • In-patient care, domiciliary treatments and modern treatments are covered
      • Alternative treatments, day care treatments and vaccination for animal bites are available
      • Emergency ambulance charges and pre-post hospitalization expenses are covered
      • Refill benefit, health check-up benefit and no claim bonus are available
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      Niva Bupa Super Saver Plan

      The Niva Bupa Super Saver plan provides advanced medical coverage with a sum insured of Rs 1 crore.

      Coverage Benefits:

      • In-patient treatment, mental disorders treatment and e-consultations are covered
      • Coverage for living organ donor transplant, alternative treatment and HIV/AIDS are available
      • Day care treatment, pre-post hospitalization expenses and pharmacy & diagnostic services are covered
      • Annual health check-up facilities and domiciliary treatment are available
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      Niva Bupa Health Premia Plan

      The Niva Bupa Health Premia plan comes with sum insured options ranging from Rs 5 lakh to Rs 3 crore. The plan is available in three variants – Silver, Gold and Platinum.

      Coverage Benefits:

      • In-patient care, OPD cover, maternity benefit and childcare benefits are available
      • Mental disorder treatment, HIV/AIDS, laser surgery and newborn baby expenses are covered
      • International cover, annual health check-ups, refill benefit and premium waiver benefit are available
      • Pharmacy & diagnostic services, e-consultations and emergency assistance are covered
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      Niva Bupa Health Pulse Plan

      The Niva Bupa Health Pulse plan is available for a sum insured amount ranging from Rs 3 lakh to Rs 25 lakh. The plan comes in two variants – Classic and Enhanced.

      Coverage Benefits:

      • In-patient treatment, domiciliary treatment and alternative treatment are covered
      • HIV/ADS, living organ donor transplant and emergency ambulance cover are available
      • Mental disorders treatment, modern treatments and pharmacy & diagnostic services are covered
      • Refill benefit, annual health check-ups and no claim bonus are available
      Read more
      View more plans

      Benefits of Niva Bupa Health Insurance for NRI

      Niva Bupa health insurance plans offer the following benefits to NRIs:

      • ReAssure/Refill Benefit – Most Niva Bupa health insurance plans come with ReAssure or Refill benefit that recharges the sum insured amount without any additional premium payment in case it gets exhausted during the policy year.
      • Faster Processing of Claims – The Niva Bupa Health Insurance Company ensures faster processing of claims as it approves all cashless claims within 30 minutes.
      • No Third Party Administrators (TPAs) – The insurance company does not take help from any TPAs but instead has an in-house claim settlement team. This ensures that all claims are handled smoothly without any hassles.
      • Tax Benefits – NRIs can claim tax deductions on the premium paid for buying a Niva Bupa health insurance policy under Section 80D, Income Tax Act.

      How to Buy Niva Bupa Health Insurance for NRI?

      The following steps can be followed by an NRI to buy a Niva Bupa health insurance plan:

      Step 1: Log in to Policybazaar.com and click on the Health Insurance icon

      Step 2: Provide your name and pick your gender 

      Step 3: Select your NRI family members to be insured and enter their ages

      Step 4: Choose your city of residence in India and provide your overseas phone number

      Step 5: Select if any of the people to be insured suffer from any pre-existing disease

      Step 6: Choose the Niva Bupa health insurance plan to buy and pay its online premium

      Step 7: The Niva Bupa Health Insurance Company will issue the health policy to the NRI.

      How to Renew Niva Bupa Health Insurance for NRI?

      Here is the step-by-step procedure that NRIs can follow for Niva Bupa health insurance renewal:

      Step 1: Visit Policybazaar.com and go to the ‘Renew Your Policy’ tab at the top of the page

      Step 2: Click on ‘Health Renewal’ to get redirected to a new page

      Step 3: Provide your international mobile number and enter the OTP received

      Step 4: New users can click on ‘Health Insurance’ on the homepage and enter the required details

      Step 5: Pick the Niva Bupa health insurance plan to be renewed and pay its renewal premium online

      Step 6: The insurer will renew the Niva Bupa health insurance policy of the NRI.

      How to File a Claim with a Niva Bupa Health Insurance Plan for NRI?

      NRIs can follow the procedure given below to raise a claim with Niva Bupa health insurance:

      1

      Intimate the Insurer

      Inform Niva Bupa Health Insurance Company about your planned hospitalization at least 72 hours in advance and emergency hospitalization within 24 hours

      2

      Show the Required Documents

      Present your Niva Bupa health e-card and your identity card at the network hospital

      3

      Documents Submission

      The hospital authorities will submit all the required documents, including the pre-authorization form, to the insurer for cashless treatment approval.

      4

      Cashless Treatment Approval

      The insurer will review the submitted documents and give its nod for cashless treatment.

      5

      Claims Payment

      Once the treatment is complete, the insurer will pay the treatment expenses directly to the network hospital.

      Note: For reimbursement claims, settle all your hospital bills during discharge and submit the required documents to the Niva Bupa Health Insurance Company within 30 days. The insurer will review & process the claim within 7 days and pay the claim amount to the NRI.

      Policybazaar exclusive benefits
      • On ground claims support(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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