Seniors' Health Insurance Plan: Niva Bupa's Specialised Plans for Golden Years

Seniors’ Health Insurance Plan: Niva Bupa’s Specialised Plans for Golden Years

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As you age, your healthcare needs change, and it becomes increasingly important to have a comprehensive healthcare insurance plan that caters to the specific requirements of the golden years. 

Recognising this pivotal phase of life, Niva Bupa, a leading provider of best family health insurance solutions, has curated a range of specialised plans designed to offer unparalleled protection and comfort for the elderly population.

This article delves into Niva Bupa’s best health plan for senior citizens, highlighting its unique features, benefits, and the exceptional value it offers. So, let us begin!

What is Niva Bupa Seniors’ Healthcare Insurance? 

Senior Healthcare Insurance from Niva Bupa is a policy tailored to elderly people’s needs. It provides extensive benefits such as coverage for hospital stays, expenses before and after hospitalisation, daycare procedures, AYUSH treatments, and costs related to organ donation. 

These health insurance plans for family also cover modern treatments with a sub-limit of ₹1 lakh per claim on certain robotic surgeries. There are two versions available: Gold and Platinum. The Gold variant covers shared room expenses, while the Platinum variant covers single private room expenses. 

What are the Features of Niva Bupa Seniors’ Healthcare Insurance? 

Niva Bupa Seniors’ Healthcare Insurance offers a range of features tailored to meet the specific healthcare needs of seniors, ensuring comprehensive coverage and peace of mind during their golden years. Its key features include:

1. Massive Coverage

The best family health insurance provides substantial coverage of up to ₹25 lakhs. This means that you can claim medical expenses up to this amount, which can be a significant financial relief during medical emergencies.

2. Ambulance Cover 

In an emergency, Niva Bupa’s health insurance plans for family cover up to ₹2,000 for road ambulances and up to ₹2,50,000 for air ambulances. This ensures that you can receive immediate medical attention without worrying about transportation costs.

3. Day Care Treatments

The senior citizen plan covers all daycare treatments up to the sum insured. Due to technological advancements, daycare treatments don’t require 24-hour hospitalisation. This includes procedures like cataract surgery and chemotherapy.

4. Pre & Post Hospitalisation 

Niva Bupa’s health insurance plans for family cover medical expenses incurred 60 days before hospitalisation and 180 days post-discharge. This includes costs of diagnostic tests, medication, follow-up visits, etc., providing comprehensive coverage.

What are the Benefits of Niva Bupa Seniors’ Healthcare Insurance? 

Niva Bupa Seniors’ Healthcare Insurance offers various benefits. Some of them are:

1. Modern Treatments 

This best health insurance for senior citizens covers modern treatments up to the sum insured with a sub-limit of ₹1 lakh per claim on a few robotic surgeries. This includes advanced treatments like robotic surgeries, stem cell therapy, etc., ensuring the policyholder can access the best medical care available.

2. AYUSH Treatments

The policy covers Ayurvedic, Unani, Siddha, and Homeopathic treatments under AYUSH up to the sum insured. This means that you can claim expenses for alternative treatments, providing a holistic approach to healthcare.

3. Organ Donor

The policy provides coverage for medical expenses incurred during the organ donor’s treatment up to the sum insured. This unique feature ensures that you can undergo organ transplantation without worrying about the financial burden.

How to File a Claim Against Your Niva Bupa Seniors’ Healthcare Insurance? 

You can file a claim against your Niva Bupa Seniors’ Healthcare Insurance in mainly two ways. The two ways are:

Cashless Claims Process

Step 1: Hospital Admission 

Get admitted to any one of the Niva Bupa network hospitals.

Step 2: Identification 

You can use your Niva Bupa Health Card or share your policy number with the hospital’s concerned team, along with your Passport/PAN card/ Voter’s ID, as identification proof.

Step 3: Inform Niva Bupa 

If you are planning to be hospitalised, contact Niva Bupa at least 48 hours before the treatment and within 24 hours of admission if you are requesting an emergency hospitalisation.

Step 4: Claim Verification

Niva Bupa will verify the claim and release the payment after thorough documentation.

Reimbursement Claims Process

Step 1: Hospitalisation and Notification 

Get hospitalised and inform Niva Bupa within 48 hours.

Step 2: Payment 

Pay directly to the hospital or doctor.

Step 3: Document Collection 

Collect all medical reports, bills, prescriptions, payment receipts, and the discharge certificate.

Step 4: Document Submission 

Transfer the files to the Niva Bupa webpage.

Step 5: Submit the Claim

After uploading all the necessary documents, submit your claim on the Niva Bupa website.

Step 6: Claim Processing

Niva Bupa will process your claim. They may ask for additional documents or information if required during this process.

Step 7: Claim Settlement

If your claim is approved, Niva Bupa will reimburse the amount you spent on the treatment directly to your bank account.

Conclusion

Niva Bupa understands the healthcare needs of senior citizens and provides customised solutions to help them live their golden years with confidence and without worrying about medical expenses. Niva Bupa thus offers the best health insurance for senior citizens in India.

With a vast network of healthcare providers and prompt claim settlements, Niva Bupa aims to make healthcare accessible and hassle-free for older people. Their customer-centric approach and dedicated support services ensure seniors receive the care and attention they deserve.

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Guest posting on Newsideas.in not only allows you to share your content but also provides a platform for networking. Engage with other contributors, businesses, and thought leaders to explore collaboration opportunities and increase your exposure.

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