Niva Bupa Health Insurance Renewal Process: Online & Offline Steps

Think of buying a good personal health insurance plan as taking the first steps in a marathon. What truly matters is staying in the race and making sure your policy never lapses over the years. Renewing on time helps you retain the waiting periods you’ve already completed and ensures you don’t lose valuable benefits like the no-claim bonus and other accumulated perks.

If you hold a Niva Bupa health insurance policy, renewing it is fairly simple. In this guide, we walk you through the renewal process and explain why uninterrupted coverage matters more than you might think.

How to Renew a Niva Bupa Health Insurance Policy?

1. Niva Bupa Health Insurance Renewal Through the Official Website

Step 1: Go to Niva Bupa’s official website and click on the “Renewal” tab

Step 2: Enter your Policy Number and Phone number.

Step 3: Review your current plan. Here, you can also opt to increase your Sum Insured or add riders (as per insurer’s underwriting).

Step 4: Pay the premium using UPI, Credit/Debit Card, or Net Banking.

Step 5: Download your renewed policy document immediately.

After successful payment, you receive an instant confirmation. The renewed policy document is also sent to your registered email. 

2. Niva Bupa Health Insurance Renewal Through the "Niva Bupa Health" App

Step 1: Download the “Niva Bupa Health” app from the Google Play Store or Apple App Store.

Step 2: Log in using your registered mobile number and OTP.

Step 3: On the dashboard, locate your active policy under the “My Policy” section. If it is near expiry, a notification to renew your plan will appear.

Step 4: Tap “Renew now”, double-check the premium amount along with your policy details and add-ons, and then proceed to the payment gateway.

Step 5: Once paid, your policy will be updated in the "My Policies" section of the app.

3. Niva Bupa Health Insurance Renewal: Offline Process (Branch or Customer Care)

Use this alternative if you prefer personal assistance or need to make complex changes (like adding a new family member which might require extra forms).

• Through Customer Care: Call the toll-free number 1800 500 8888. The executive will verify your details and send a secure payment link to your email or SMS.
• At a Branch Office: 
  • Visit the nearest Niva Bupa branch. 
  • Carry your previous policy document and an ID proof (Aadhaar/PAN). 
  • Fill out the renewal form. 
  • Pay via Cheque or Demand Draft (Cash is generally discouraged for high-value premiums). 
  • Collect your payment receipt. The final policy will be posted to your address or emailed within a few days.

Niva Bupa Health Insurance Renewal Grace Period

Niva Bupa health insurance also offers a grace period of 15 days for policies paid for with monthly installments and 30 days for all other cases. This period allows you to renew your existing policy after expiry without losing accumulated continuity benefits.

Key Considerations: 

• You can still renew your policy during the grace period, but coverage remains inactive until the renewal premium is paid. 
• Claims made during the grace period are generally not accepted. Alternatively, the insurer may either first deduct the due premium from the final payout or ask you to pay the premium before settling the claim.
• If you do not renew before the grace period ends, you may permanently lose continuity benefits.

Note: If you do not complete renewal within the applicable grace period, your policy may lapse permanently. In such cases, you must purchase a new policy. This involves fresh underwriting, reassessment of health conditions, and possible changes in premium and coverage terms.

Benefits of Renewing a Niva Bupa Health Insurance Policy Before Expiry

• Continuous Coverage Without Gaps: Timely renewal ensures your policy remains active without any break. The coverage continues and you can raise claims whenever a medical need arises.
• Preservation of Waiting Periods: Health insurance plans include waiting periods for pre-existing conditions, specific illnesses, and maternity benefits. When you renew on time, the completed portion of these waiting periods carries forward and does not restart.
• Retention of No-claim and Loyalty Benefits: Niva Bupa health insurance plans offer benefits such as increased sum insured (via bonus), among others. These rewards depend on continuous policy renewal, and missing the renewal deadline may lead to their loss.
• Continuation of the Moratorium Period: On-time renewal helps your moratorium period continue without interruption. After completion of 60 months, claims cannot be rejected due to non-disclosure, provided the condition was not permanently excluded, and there is no fraud.

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Conclusion

Renewing your Niva Bupa health insurance is simple and hassle-free, whether you do it online or through the mobile app. Make sure to complete the process before the expiry date, so your coverage stays active and you don’t lose continuity benefits, bonuses, or any accumulated advantages.

While renewing, always review your insurer’s recent performance figures, such as the claim settlement ratio and average complaints per 10,000 claims. This helps you check whether the insurer is still performing well and that your plan continues to offer comprehensive coverage.

Note: Niva Bupa is one of Ditto’s partner insurers. All the information for this article is sourced from their own website and other publicly available sources. If you’ve purchased your plan through us, visit our renewal page for further information.