Niva Bupa Claim Status – All You Need To Know

Easily track your Niva Bupa health insurance claim status with a simple process. Read on to get more details.
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3 min
31-January 2024

Healthcare expenses can be a financial burden, especially in times of medical emergencies. Niva Bupa Health Insurance is a comprehensive health insurance policy that offers financial protection against hospitalisation, medical expenses, and critical illnesses. However, even after investing in a health insurance policy, the claim process can be a tedious and complex task. In this article, we will discuss the process of tracking Niva Bupa Health Insurance claim status and how to make the claim process hassle-free.

Niva Bupa health insurance claim status

Niva Bupa Health Insurance claim status refers to the real time updates on the processing of your health insurance claims. Whether you have opted for a cashless claim or reimbursement, staying informed about your claim status provides a sense of control and assurance. Niva Bupa streamlines this process, offering various avenues to check and track your claim status seamlessly.

Niva Bupa Health Insurance offered through Bajaj Finance

Niva Bupa Health Insurance in partnership with Bajaj Finance Limited offers comprehensive health insurance policies with extended coverage for critical illnesses, maternity expenses, and daycare procedures. The policyholders can avail of cashless hospitalisation and reimbursement claims for all expenses incurred during hospitalisation or medical treatment.

Niva Bupa Health Insurance offers a wide range of policies like individual policies, family floater, and top-up cover plans starting from an annual premium of Rs. 1,469*. You can get a maximum medical coverage of up to Rs. 5 crore along with cashless treatment at 8,500+ hospitals.

If you buy a Niva Bupa Health Insurance policy offered through Bajaj Finance, you can claim it through a cashless or reimbursement process. Given below are the steps for the same.

How to raise a cashless claim?

Follow these steps to raise claim requests for cashless hospitalisation with Niva Bupa Health Insurance plans offered through Bajaj Finance:

  • Step 1: Contact the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
  • Step 2: You can get cashless treatment at 8,500+ Niva Bupa Health Insurance network hospitals across India. Click here to locate a hospital near you.
  • Step 3: Share the patient’s policy details or cashless card along with valid identity proof (PAN, voter ID, passport) at the hospital’s insurance desk or reception).
  • Step 4: Fill out and submit the pre-authorisation form available at the hospital desk. You can also download the form online and fill it out beforehand.
  • Step 5: Once the verification is complete, the insurer will send the final confirmation to the hospital and your registered contact details within 30 minutes. The claim will be processed as per the terms and conditions of the policy.

How to raise a reimbursement claim

To reimburse your hospital and medical expenses with Niva Bupa Health Insurance, follow these steps:

  • Step 1: Contact the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
  • Step 2: Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.
  • Step 3: Submit the required documents like the reimbursement claim form, hospital discharge summary, bills and prescriptions, and more to the nearest branch office of the insurer within 15 days after getting discharged from the hospital.
  • Step 4: The insurer will review and verify the documents and process the claim as per the policy's terms and conditions.

Documents required for raising a claim request

Here is the list of documents you need to raise a claim request with Niva Bupa Health Insurance:

  • Claim form (Part A and B). Part A to be filled by the insured and Part B is to be filled by the hospital
  • Doctor's letter for hospitalisation
  • Hospitalisation and medical bills
  • Reports of lab and radiology tests
  • FIR document, in case of an accident
  • Post-mortem report, if applicable

Niva Bupa Health Insurance provides financial security and comprehensive coverage for medical treatments and hospitalisation. However, the claim process can be exhausting and time-consuming. By knowing how to raise a cashless or reimbursement claim, and the documents required for the same, the insurance policyholders can make the claim process hassle-free. Additionally, by checking the Niva Bupa claim status online, the policyholders can track the status of their claims and stay updated about the claim settlement process.

Frequently asked questions

What is the incurred claim ratio of Niva Bupa Health Insurance?

The Incurred Claim Ratio (ICR) is the ratio between the total claims paid by an insurance company and the total premium received for the same period. It represents the company's ability to settle claims effectively and indicates the financial stability of the company.

How trusted is the claim settlement ratio of Niva Bupa Health Insurance?

The claim settlement ratio is a crucial parameter to consider while selecting an insurance company. It gives an idea of the company's credibility and its claim settlement track record. Niva Bupa Health Insurance has a high claim settlement ratio, which indicates that the company is reliable and trustworthy when it comes to settling claims.

What is the health card of Niva Bupa Health Insurance?

The Niva Bupa Health Card is a crucial aspect of the Niva Bupa Health Insurance policy. It is a smart card that contains all the policy-related information, including the policyholder's name, policy number, and coverage details. The card also contains information about the cashless network hospitals and the policyholder's medical history. The Niva Bupa Health Card makes the claim process hassle-free and enables policyholders to avail of cashless treatment at network hospitals.

Disclaimer

Insurance is the subject matter of solicitation. *T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

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