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Reimbursement Claims Know more
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In case of admission to a non-network hospital, you can settle your bills with the hospital and file for reimbursement of those expenses with us within 30 days of discharge. Your claim will be processed within 7 days of submission.
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Cashless Claims Know more
Cashless Hospitals
Cashless claims are quick, easy & hassle free. You get treated at one of our network hospitals and we pay for the expenses directly to the hospital. Reach out to us at least 48 hours before the treatment in case of planned hospitalization, within 24 hours of admission in case of emergency hospitalization.
INTIMATE FOR CASHLESS EVERYWHERE
Please Note:

1. We pay special attention to the needs of our Senior Citizen customers, processing their claims in a fast and hassle free manner.
2. Before choosing a hospital, refer to the list of Unrecognized Hospitals. We will be unable to pay claims-both cashless and reimbursement, for treatment availed for at these hospitals.

Frequently Asked Questions

Cashless hospitalization is a process wherein the insured person doesn't have to pay for medical expenses in case of a hospitalization if patient gets admitted to a network/empanelled hospital. However, you may have to pay certain deductibles or non-medical expenses at the time of discharge.

Network hospitals often referred as cashless hospitals are hospitals which have tied up with your insurance company for providing cashless hospitalization benefit.

If you get admitted at a non-network hospital, you have to pay the bills first and later claim for reimbursement.

Step 1: Approach TPA desk of our Network Hospital (recommended at least 72 hours before the treatment in case of planned hospitalization, within 24 hours of admission in case of emergency hospitalization)

Step 2: Share Niva Bupa Health Card or your policy number, and Passport size photo, PAN card or Aadhar card along with your medical records.

Step 3: Network Hospital would check your identity for validation and submit preauthorization form to us.

Step 4: We review and provide our confirmation to the network Hospital by e-mail and send a text message and e-mail to you.

Step 5: Get your treatment done and sign all documents, forms and invoices on discharge.

Step 6: We make payment to the hospital for preapproved treatment as per policy terms and conditions.

Step 1: Get admitted to any recognized hospital for treatment.

Step 2: Settle your bills with the hospital.

Step 3: Collect all relevant documents, invoices, medical reports, discharge summary from Hospital in original and receipts of the payment made to the hospital.

Step 4: Upload documents here. Please ensure that claim is submitted to us within 30 days from date of discharge.

Step 5: We will review and process the claim as per Policy terms and conditions .

In case of emergency hospitalization/treatment for specified illness.

Step 1: Please contact us or our global TPA before admission.
Contact details for registering claim:

Europ Assistance

24*7 Emergency Contact: +91 22 6787 2092

Email address: nivabupa@europ-assistance.in

Step 2: Our TPA will coordinate with hospital and process your cashless request.

In case of reimbursement claim(eligibility as per policy), please send a mail with policy details and all the documents to travelclaims@nivabupa.com.

Step 1: Collect all the relevant documents mentioned in the policy.

Step 2: Upload documents here .

Step 3: While we start your claim processing, send all original documents to Claims Department at below address:
Niva Bupa Health Insurance, 2nd Floor, Plot No D-5, E Block, Sector 59, Noida, Uttar Pradesh 201301.

Step 4: We will review and process the claim as per Policy terms and conditions.

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Cashless:

With a cashless claim, you can receive care at a network hospital without having to pay out of pocket. Instead, the hospital sends the bill directly to Niva Bupa, who then pays it. So, you can go to a hospital that is a part of the Niva Bupa network and present your ID and health e-card to the staff.