A Health insurance policy also called as    Medical Insurance offers coverage against a range of medical, surgical, prescription drug, and dental expenses you may face when you fall sick or meet with an accident.  A good health insurance policy covers hospital expenses, pre-and post-hospitalization costs, daycare treatments,  laboratory services, prescription drugs, ambulance charges & daily allowance benefit.

Why invest in Health Insurance policy ?

1. Health insurance protects your saving in case of medical emergency or illness.
2. Helps you in affording quality healthcare despite high cost of treatment.
3. Provide coverage against Lifestyle diseases like diabetes, heart,cancer,etc.
4. Without a Health insurance plan, you may be forced to tap into your hard-earned savings to cover medical expenses.This could burn through years of savings in a matter of months. To avoid this, just get individual health insurance.
5. The cost of healthcare procedures and medicine is very high. However, with an individual Health insurance plan, you need not worry about these expenses at all. We will handle your hospital bills, diagnostic tests, scans, pre & post-hospitalization expenses etc.
6. Provide extensive coverage against rising medical costs.
7. Provide access to Specialized Treatment.
8. Provide access to Cashless Treatment.
9. Save Tax upto ₹1,00,000 under section 80D.

Features of Health Insurance policy.

• Extensive coverage for medical expenses- Under this policy, you get end to end coverage for ambulance charges, daycare expenses, and AYUSH.
• Protection of savings- A medical insurance policy like ours will help you protect your lifelong savings so that you don’t have to pay for medical treatments.
• Cashless facility- Our health insurance policy enables you to avail cashless facility for various medical treatments through our wide array of hospital networks spread across the country.
• Tax benefits- According to Section 80D of the Income Tax Act 1961, the premium paid towards your health insurance policy is eligible for tax deductions.
• No claim bonus (NCB)- This is an added advantage, if you have not made any claim for the year. ‘No claim bonus' makes sure that you get an increase in sum insured at no extra cost for your next term.
• Peace of mind– With a health insurance policy, you can focus on what really matters – i.e. rest and recovery.
• Save Money - Buying your health insurance policy online does not involve any kind of commission to third party. These commission costs are passed to customer in a form of discounted premium rates and save efforts too.!!!
• Convenient - When you buy medical insurance online, there is no time restriction. You can purchase a plan at any hour of the day or night as per your convenience!
• Plan customization - You can choose the plan as you want (Indemnity based Health Insurance or Defined Benefit Health Insurance), increase or decrease your sum insured, family members to be covered or add-ons coverage required
• Instant Policy Generation - Make the payment and the health insurance document will be emailed to you immediately.
• Safe and Secure Process – Process of buying a policy online is very secure and follows the online security protocols to avoid the risk of fraud.
• Advice from Insurance Experts - Our health insurance experts are always happy to answer all your medical insurance related queries.
• Save Time - Buying your health insurance policy online does not involve excessive paperwork, documentation, waiting in queue etc. thus saving lot of your time.
• Tax Deduction of ₹ 25,000- If you are under 60 years and buy a health insurance policy for yourself and family (excluding parents), you can get a total tax deduction of upto ₹ 25,000.
• Tax Deduction of ₹ 50,000- If premium is paid for yourself and parents under 60 years, you can get a total tax deduction of upto ₹ 50,000.OR
• If you are a senior citizen and buy a health insurance policy for yourself and family, you can get a total tax deduction of upto ₹ 50,000.
• If you buy a health insurance policy only for your parents who are above the age of 60 years, you can get a total tax deduction of upto ₹ 50,000.
• Tax Deduction of ₹ 75,000- If you buy a health insurance policy for yourself and family below 60 years but parents above 60 years, you can get a total tax deduction of upto ₹ 75,000.
• Tax Deduction of ₹ 1,00,000- If you are senior citizen and buy a health insurance policy for yourself, family and also your parents, you can get a total tax deduction of upto ₹ 1,00,000.
• Hospitalization charges- If you undergo treatment in a hospital, then the incurring charges caused in the form of hospital room rent, consultation, the surgical expense will be covered by the health insurance policy.
• Pre and post-hospitalization expenses- Get covered for pre- and post-hospitalization medical expenses for true peace of mind.
• Day-care procedure- IFFCO Tokio’s medical insurance policy also includes coverage for a wide range of pre- planned day-care expenses.

Coverage of Health Insurance policy.

◾ AYUSH treatment coverage– Alternative treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy are covered by our health insurance policies

◾ Ambulance charges coverage– Our medical insurance policy will also cover the ambulance charges that you will incur in the case of emergencies or hospitalization.

◾ Critical illness– Our medical insurance policy will cover the expenses incurred because of the critical illness treatment . You will be able to apply for the claim to cover the cost of your treatment.

◾ Pre-existing medical conditions– If you have any pre- existing medical conditions and you buy our medical insurance policy, then it will be covered after the waiting period usually ranging from 3 to 4 years

Website Link of Niva Bupa Health Insurance.

.https://www.nivabupa.com/health-insurance-plans/get-quote.html?cid=S_Brand_E_NB&utm_source=google&utm_medium=cpc&utm_campaign=Google_Search_Niva_Brand_Exact_New&utm_term=niva%20bupa&utm_content=Niva_Bupa&ef_id=CjwKCAjww7KmBhAyEiwA5-PUSmmr9CwwPmpXS8XAKBQB8GKUdRnZoSUCWmrLtHyNixylnAVTIeUJPxoCjsoQAvD_BwE:G:s&s_kwcid=AL!7961!3!638197148309!e!!g!!niva%20bupa&gclid=CjwKCAjww7KmBhAyEiwA5-PUSmmr9CwwPmpXS8XAKBQB8GKUdRnZoSUCWmrLtHyNixylnAVTIeUJPxoCjsoQAvD_BwE

Thank You.