Any individual can purchase the GoActive health insurance plan of Niva Bupa. As it is a comprehensive plan, healthcare expenses of every individual as well as his family members are covered. However, there are a few criteria in the GoActive health insurance plan.
The policyholder or his relatives can follow the below mentioned procedure to claim for the hospitalization expenses. One can avail the cashless claim benefits at network hospitals or apply for a reimbursement claim.
How can I buy the Niva Bupa GoActive Health plan?
You can visit MyInsuranceClub.com and our trained and certified insurance experts will guide you through the purchase of the Niva Bupa GoActive health insurance plan.
Is medical check up mandatory before buying Niva Bupa GoActive Health plan?
A medical checkup might be necessary when you purchase a new health insurance policy, depending on the age criteria and the base sum insured you choose.
However, if the policy gets rejected by the actuaries, then the medical test cost shall be deducted and the balance amount of the first premium paid will be transferred back to the individual.
My Wife and child are residing in Delhi. Will they still be covered under the Niva Bupa GoActive Health plan?
Definitely Yes! You can cover your family residing in India under one GoActive policy. You can use your health insurance policy anywhere in India. For cashless hospitalization, you need to check with the network hospitals list. You can even avail the reimbursement facility if at all you get treated somewhere else.
What is the waiting period for pre-existing illnesses in Niva Bupa GoActive Health plan?
If you are having a pre-existing disease such as Diabetes, Blood pressure, it will still be covered after a waiting period. Pre-existing illnesses are covered after 36 months of a continuous renewal of the GoActive plan.
What is the claim process in the Niva Bupa GoActive Health plan?
1.Get in touch with the insurance helpdesk of any network hospital of the insurance company, preferably at least 72 hours before treatment
2.Present your Niva Bupa health card or Policy Number along with any of these documents as proof of your identity - Passport, Voter ID, PAN Card, Driver's License
3.Claim form, duly filled and signed by the policyholder
4.Receipts and bills of medical tests, hospitalization, doctors’ consultation fees, etc. as proofs of hospitalization and medical expenses
Following these, the company will assign a relationship manager to simplify the claim settlement process.
What are the documents required at the time of claim settlement in Niva Bupa GoActive Health plan?
One needs to present the following documents at the time of submitting the claim:
- Proof of Identity: Aadhar card, PAN, Voter ID, Driving License, Passport.
- Proof of Address: Aadhaar, Passport, Driving License, Voter ID, electricity bill, telephone bill, water bill, gas bill, Ration Card, bank statement, copy of insurance policy are all acceptable documents.
- Proof of Age: Aadhaar, School Leaving Certificate, Passport, Driving License.
How to renew a GoActive Health Insurance Policy?
The renewal process of the GoActive plan is quite simplified:
- Visit the official website of Niva Bupa and enter the 14 digit policy number
- Enter your date of birth
- Select ‘Submit’ button and choose the payable annual premium as per the plan
- Select the ‘Pay’ button to make the premium payment.
- You will receive an email of the policy transaction and also the policy documents on the registered email id.
Does Niva Bupa GoActive Health insurance policies cover diagnostic charges like X- ray, MRI or ultrasound?
Yes, the GoActive health insurance plan from Niva Bupa covers all diagnostic tests like X-Rays, MRIs, Blood test and a few more. Also, it is mandatory that the tests are to be done maximum 60 days prior to being hospitalized or 180 days post hospitalization for the amount to be claimed.
From where can I download the claims form?
In order to download the claim form, you can simply visit the official website of Niva Bupa and click on ‘claims’. Then you can select the claim form in the drop down option and then on the service form and choose the plan for which you want to download the claim form.
How many times can I make a claim under the Niva Bupa GoActive Health plan?
One can file any number of claims over a year with the Niva Bupa GoActive health insurance plan. However, the claim has a limit up to the sum insured amount, exceeding which the policyholder will have to bear the expenses from his/her pocket.
Covering your medical expenses is the need of the hour. Niva Bupa provides numerous benefits in their health insurance plans. Through this review, we intend you to make an informed decision and cover your family with adequate health cover. Our trained and certified experts will be happy to guide you through the best plans.