Niva Bupa Health Companion Family insurance

Yes, your Health insurance covers all diagnostic tests like X- Rays, MRIs, Blood Tests etc. if they are associated with an insured person’s stay in the hospital. These tests must also have been conducted within a maximum of 30 days prior to hospitalization and/or 60 days post hospitalization or during hospitalization. In addition, we cover outpatient diagnostic tests if a specialist prescribes them and if you have chosen the Platinum Policy.

When you get a new health insurance policy, there will be a 90 day waiting period starting from the policy start date, during which period hospitalization charges will not be payable. However, this is not applicable to any emergency hospitalization occurring due to an accident. This 90 day waiting period is not applicable when the policy is renewed.

While filling up your health insurance proposal form, you will need to provide details of any health conditions in your medical history so far. At the time of enrolment, you should be aware of any current medical conditions and if you are undergoing any treatment. We refer such health issues to our medical panel to differentiate between pre-existing and newly contracted conditions. Note: It is important to disclose any medical condition that you may have, prior to buying the health insurance policy. insurance is a contract based on good faith and any willful non-disclosure of facts might lead to repudiation or rejection of a claim in the future.