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Niva Bupa Health Premia Family Floater Insurance

Niva Bupa Health Premia Family Floater Insurance

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Key Highlights of Health Premia Family Floater Insurance

Niva Bupa Family Floater plan helps to cover your family members under single health insurance coverage. There is no minimum or maximum age of enrolment under Niva Bupa Family Floater health insurance which can cover family members across every stage in life.

Niva Bupa Health Insurance review

Niva Bupa Health Insurance sum insured
2 lacs − 300 lacs options available

Incurred Claims Ratio *
88%

Niva Bupa Health Insurance tenure options
1 year

Claims Settlement Ratio **
8.0%

Niva Bupa Network hospitals list
8,600+ hospitals

Number of policies issued *
23,330

Maximum family floater coverage
Self, Spouse + 4 dependent children

Number of lives covered *
23,330

* As per IRDAI report | ** As per NL25 data published on the Insurance Company website

Niva Bupa Health Premia Family Floater Insurance

Unique features
Coverage

Unique features of Niva Bupa Health Premia Family Floater Insurance

Direct claim settlement
Life long renewal
All day care procedures covered up to sum insured(only in Niva Bupa)
15 Day Free look period.
Maternity benefit: Plan provides you maternity benefits up to two deliveries.
Direct claim settlement, no third party involved.
Cashless hospitalization across network of quality hospitals.
Free health checkups on renewal.

Family Floater Coverage Benefits

International coverage for specified illness and medical emergencies.
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.
Emergency Ambulance Charges
- Network Hospitals: covered up to sum insured.
- Non-Network hospitals: covered up to Rs-2,000 per event.
Day care procedures:covered up to sum insured.
Income tax benefit under section 80-D for claiming the tax deduction for the payment of premium.
Assured policy renewal for life

Niva Bupa Health Insurance FAQ's

What do you mean by Cashless Hospitalization?

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

Is Mediclaim the same as health insurance?

Mediclaim is a type of health insurance. However some health insurance policies can be more comprehensive than mediclaim , as they cover more health benefits.

Is a medical checkup necessary before buying a policy?

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

My wife and children are residing in a different city from where I am working. Can I cover all of us in one policy?

Of course. You can cover your family residing in India under one policy. Your health insurance policy can be used by you all across India. For cashless facility, you need to do is check for a Niva Bupa network hospital near your place of residence. You can also get your claims reimbursed if you get treated at a hospital which is not in Niva Bupa’s hospital network.