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Secure Your Parents with Niva Bupa Health Insurance
Niva Bupa health insurance for parents is an essential investment to ensure the peace of mind and healthcare needs of your parents. It offers extended coverage, including regular health check-ups, daycare treatments, personal coaching for a healthy lifestyle, round-the-clock medical assistance, and more.
Most importantly, Niva Bupa's health insurance for parents provides a wide range of sum insured options, starting from INR 1, 2, 3 Crores and above. With the family floater plans of Niva Bupa health insurance, you receive coverage for modern medical treatments, advanced surgeries, and more. Read further to understand why you should buy a health insurance policy for your elderly parents, the eligibility criteria, and some of the best Niva Bupa health plans for parents.
Benefits of Niva Bupa Health Insurance for Parents
Wondering why you need health insurance for your parents? Learn how it positively impacts their health:
Healthcare Coverage
Your parents will receive comprehensive care, including pre and post-hospitalization, domiciliary treatment, daycare procedures, diagnostic tests, health check-ups, emergency ambulance, and more.Peace of Mind
Rest assured that your parents are protected without extra effort, as their insurance policy covers all their healthcare needs. They can receive extended medical care even after retirement.Financial Safety
You won't have to worry about financial burdens or losing money on medical expenses. The insurer will handle any healthcare assistance your parents require.Tax Benefits
Secure your parent's health with a health insurance policy. Additionally, you can avail of tax exemption benefits on your payable taxes under Section 80 D of the Income Tax Act, 1961.
Best Niva Bupa Health Insurance Plans for Parents
Explore some of the best health insurance plans for your parents offered by Niva Bupa:
- Niva Bupa Senior First (for senior citizens)
- Niva Bupa ReAssure 2.0
- Niva Bupa GoActive
- Niva Bupa Health Premia
- Niva Bupa Aspire
Distinct Features of Niva Bupa Health Insurance for Parents
Niva Bupa health insurance company (formerly Max Bupa) offers various health policies for parents to secure their healthcare interests. Here are the features of Niva Bupa health insurance for parents:
Hospitalization Cover
Choose a health plan that provides financial security with hospitalization expenses before and after treatment.Daycare Operations
Good health insurance for your parents will cover daycare treatment expenses like varicose veins and cataract surgery, which require hospitalization for less than 24 hours. Choose a plan that offers more daycare procedures within the base policy or with an optional cover.Covers Alternative Treatment
Niva Bupa health insurance for parents covers AYUSH (Ayurveda, Yoga therapy, Unani, Siddha, and Homeopathy) treatment, ensuring they receive therapeutic health care.Pre-existing Conditions (PEDs)
Your health insurance can cover PED conditions such as diabetes, heart disease, dialysis, and others. Ensure you buy the best health insurance plan that covers PEDs with a shorter waiting period.Major Conditions
Significant medical treatments, including open heart surgeries, cancer-related treatment, and bariatric surgeries, can be covered within the policy inclusions if optional covers, add-ons, and base health policy are paired correctly.Renewability
Niva Bupa parents health insurance provides lifelong renewability with health plans like ReAssure 2.0, Health Premia, GoActive, and others. Lifelong renewability ensures extended medical care for your parents for years to come.All-time Customer Support
Niva Bupa health insurance customer care is always available for assistance. You or your parents can call their toll-free customer care number 1800 500 8888 round the clock or raise an immediate query at [email protected].
Eligibility Criteria for Niva Bupa Parents Health Insurance
Here are the eligibility criteria for buying Niva Bupa health insurance for parents:
| Entry age (Max) | Below 60 years (No maximum age limit, but parents over 60 are eligible for senior citizen plans) |
| Policyholder's age | 18 years (The policyholder must be eligible to buy health insurance for their parents) |
| Pre-existing conditions | PEDs are covered after a waiting period |
The maximum entry age may vary from plan to plan. The accurate eligibility criteria are subject to your policy document.
Inclusions (optional) of Niva Bupa Health Insurance for Parents
Niva Bupa health insurance for parents offers exclusive coverage benefits such as:
- In-patient hospitalization
- Out-patient hospitalization
- Daycare procedures
- Domiciliary or home care treatment
- Room rent
- ICU charges
- OT charges
- Doctor's visit
- Annual/preventive health check-up
Exclusions of Niva Bupa Health Insurance for Parents
Exclusions may vary from plan to plan, so check the policy document. Here are some standard exclusions:
- Cosmetic/beautification treatment
- HIV/AIDS, and STD conditions
- Attempt to suicide or self-threat
- Diagnostic tests (except those specified in your policy document)
- War injuries, participation in riots/war-like situations, etc.
- Hearing aids (unless specified in your policy documents)
- Vision treatment, dental care, physiotherapy, etc. (except conditions mentioned in the policy)
- Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company
How to Claim Niva Bupa Parents Health Insurance
Follow these steps to claim your Niva Bupa health insurance for parents:
- Step 1: Claim Intimation
Inform your TPA of Niva Bupa health insurance if you have a planned hospitalization condition. In case of an emergency hospitalization, inform the insurer within 24 hours of getting hospitalized.
- Step 2: Document Submission
Submit the completed and signed claim form along with the policy documents and other details like medical reports, doctor's prescriptions, hospital bills, discharge summary (in case of reimbursement), and others.
- Step 3: Approval upon Verification
If all the details are correct and align with the policy coverage, the insurer will initiate the claim settlement procedure to verify the authenticity of your claim.
- Step 4: Cashless or Reimbursement Settlement
If you received treatment at a network hospital, the insurer will settle all medical bills with the hospital directly. For treatment in a non-network hospital, your insurer will reimburse your medical bills as per the policy terms.
Insights
Buying a suitable Niva Bupa health insurance policy for your parents will protect you and your parents from future complications. It's wise to invest in a health policy that covers all family members under a single policy, including your parents. Consider a health insurance plan with a sum insured option of at least INR 1 Crore or above.
To buy a family floater plan or a senior citizen health insurance plan (if your parents are over 60) from Niva Bupa, connect with the experts at PolicyX.com. Dial 1800 4200 269 or email [email protected]
