Get the Coverage You Need with Our Health Insurance Services

 We understand that sometimes hospitalization is not possible, so we provide the convenience of receiving medical treatment at home, covered up to the sum insured. 

 You have the freedom to choose the treatment that works best for you. Our plans cover modern treatments like deep brain stimulation, oral chemotherapy, and robotic surgeries, ensuring you receive the most advanced medical care when needed. 

 In cases of organ transplant, we cover medical expenses for the organ donor's in-patient treatment, including harvesting costs. We also provide coverage if you choose to donate an organ to someone in need. 

 Whether it's a road or air ambulance, we ensure you are always covered during emergencies. 

 Don't lose what you don't use! Carry forward your unutilized sum insured to the next policy year, with a maximum accumulation of up to 10 times the base sum insured. 

 Similar to ReAssure+, ReAssureX triggers after the first paid claim in the life of the policy and stays on forever. 

  We cover pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 180 days, providing comprehensive coverage for your medical journey. 

  Pay premiums based on your age when you first buy the policy until you make a claim. ReAssure triggers after the first claim in the life of the policy and stays on forever, ensuring you win whether you claim or not. 

 If you end up in a shared room during hospitalization, we provide daily cash benefits for each continuous and completed 24-hour period of hospitalization, provided it's in a network hospital. 

 You receive an annual health check-up benefit from Day 1 of your policy year, ensuring you stay proactive about your health. 

  Get rewarded for staying healthy! You can earn up to a 30% discount on renewal premiums by counting your daily steps using the Niva Bupa Health App. 

  Get a second medical opinion once for any condition requiring hospitalization to make informed healthcare decisions. 

I Individual health insurance policies provide coverage to a single person. They are ideal for individuals who want personalized health coverage tailored to their specific needs. These policies cover medical expenses such as hospitalization, doctor's fees, and medication for the insured individual.

 Arogya Sanjeevani is a standardized health insurance policy introduced by the Insurance Regulatory and Development Authority of India (IRDAI). It offers basic health coverage with a wide range of benefits, making it an affordable and accessible choice for many individuals and families. 

 Cardiac care insurance is designed for individuals with heart-related conditions. It provides coverage for cardiac surgeries, treatments, and related expenses. This specialized policy helps manage the high medical costs associated with heart ailments. 

 A family floater policy covers the entire family under a single plan. It offers a fixed sum insured that can be utilized by any family member in case of a medical emergency. It's a cost-effective way to ensure the health and well-being of your entire family 

  Women care insurance focuses on the unique health needs of women. It covers expenses related to maternity, childbirth, gynecologic conditions, and other women-specific healthcare needs. 

  Diabetic care insurance is tailored for individuals with diabetes. It covers expenses related to diabetes management, including medications, regular check-ups, and complications arising from the condition. 

Outpatient care insurance covers medical expenses incurred outside of hospitalization, such as doctor's consultations, diagnostic tests, and prescription medications. It ensures comprehensive coverage for non-hospitalized medical needs.

  Senior citizens care insurance is designed for elderly individuals. It addresses the specific health concerns that come with aging, including coverage for age-related ailments, hospitalization, and medical treatments. 

  Cancer care policies are specialized plans that provide extensive coverage for cancer-related treatments, surgeries, and therapies. These policies help individuals and their families cope with the financial burden of cancer treatment. 

 Critical illness policies cover a specific list of critical illnesses, such as heart attack, stroke, cancer, and kidney failure. Upon diagnosis of a covered condition, the policyholder receives a lump sum amount to cover treatment and other expenses. 

 Expenses related to pre-existing medical conditions are typically excluded for a specified waiting period. 

 Procedures for cosmetic purposes, such as plastic surgery, are generally not covered.

 Expenses arising from self-inflicted injuries or suicide attempts may be excluded. 

 Injuries sustained during certain hazardous activities, such as adventure sports, may not be covered unless specified in the policy. 

  Alternative and non-allopathic treatments like Ayurveda, Homeopathy, and Naturopathy are usually not covered.  

  Treatments or medications that are not approved by medical authorities may be excluded. 

 Some conditions have waiting periods during which they are not covered. This is common for maternity, pre-existing conditions, and specific illnesses. 

  Health insurance policies typically exclude injuries or illnesses resulting from war, nuclear incidents, or acts of terrorism.