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rohit.pandit@nivaonline.in

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I finally understood what I was buying — and felt confident about it.
Before I found Niva Insurance Broking, I had spoken to 3-4 different agents and still felt confused about what was actually covered and what wasn’t. The team at Niva was refreshingly honest — no pressure, no jargon. They actually took the time to understand my needs, walked me through different options, and explained everything clearly. I ended up choosing a plan that covered more than my previous one — and I even got a 5% discount for buying directly. The whole process was online, quick, and stress-free. Highly recommend for anyone who wants clarity and peace of mind.

Karan Mehta, Mumbai

Perfect for first-time buyers like me.
I was completely new to health insurance and honestly nervous. I booked a Google Meet through their website, and Abhinav explained everything so clearly. No pressure, just helpful advice. He presented the plan very nicely and helped me feel confident in my decision.

Sheetal Singh, Bengaluru

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They were there when it really mattered.
I had bought the policy through Niva two years ago, but the real test came when my father had to be hospitalized. I reached out to them for help with the claim process, and Nishant personally guided me at every step. From documents to approvals, everything was smooth and stress-free. I’m truly grateful — they didn’t just sell a policy, they stood by us when we needed it most.

Rajat Malhotra, Delhi

What is health insurance and how does it work?

Health insurance is a financial agreement where an insurance company covers your medical expenses in exchange for a yearly premium. This includes hospitalization, surgeries, treatments, diagnostics, and more. When you're admitted to a hospital, the insurer either pays directly to the hospital (cashless) or reimburses you later, depending on the policy and hospital network.

Why should I buy health insurance if I’m healthy?

Health insurance is not just for the sick—it's a proactive safety net. Medical costs are rising rapidly, and an emergency can wipe out your savings. Buying insurance early helps you:

Lock in lower premiums
Complete waiting periods sooner
Ensure you’re covered when you need it most

What is covered under a standard health insurance policy?

Most comprehensive health insurance policies cover:

In-patient hospitalization (24+ hours)
Pre-hospitalization (usually 60 days before)
Post-hospitalization (up to 60 days after)
Daycare treatments (e.g. cataract, chemotherapy)
Ambulance charges
Cashless treatment at network hospitals
Some plans also cover maternity, mental health, and wellness benefits

What is not covered (exclusions) in health insurance?

Common exclusions include:

Pre-existing diseases (until waiting period is over)
Cosmetic or plastic surgery
Dental or hearing aids (unless accidental)
Self-inflicted injuries or substance abuse
Treatments during the first 30 days (except accidents)

Always read the policy document carefully or consult us for personalized advice.

What is a waiting period in health insurance?

A waiting period is the duration after buying a policy during which certain illnesses are not covered. Types include:

Initial waiting period: 30 days from policy start (accidents covered)
Pre-existing disease waiting period: Typically 2–4 years
Specific disease waiting period: Some listed diseases (like cataract, hernia, piles, etc.) are covered only after 2 years

What is a pre-existing disease (PED)?

Any health condition you had before purchasing the policy (like diabetes, hypertension, thyroid) is termed a pre-existing disease. Insurers impose a waiting period before such conditions are covered. Full disclosure is essential to avoid claim rejection.

How does cashless hospitalization work?

In cashless hospitalization:

You go to a network hospital
Show your e-card or policy number at the insurance/TPA desk
The hospital sends the estimate to the insurer
On approval, the bill is directly settled—no payment from your side (except non-medical or uncovered items)

Affordable Health Insurance Plans – Starting at ₹499/month*

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