Niva Bupa Health Insurance
Niva Bupa Health Insurance Company is a leading name in the Indian insurance sector that offers best health insurance plans, first-of-its-kind coverag...Read More
Network hospitals
10263+
Incurred claim ratio
100%
Sum insured
Up to 2 Cr
No. of Plans
15
Solvency Ratio
1.7
Pan India Presence
320+
Niva Bupa Health Insurance Overview
A dedicated health insurance company, offering a wide range of products. Niva Bupa Health Insurance formerly known as Max Bupa Health Insurance is amongst the most reliable and trustworthy brands. Niva Bupa health insurance supports their 1 crore+ customers by providing access to over 10,372 cashless network hospitals.
Niva Bupa Health Insurance Company Ltd. (formerly known as Max Bupa Health Insurance Company Limited) is a joint venture between the Bupa Group and Fettle Tone LLP.
Bupa, a UK-based healthcare services expert, has seven decades of experience in the healthcare industry and serves a customer base of 50 million in over 190 countries. Fettle Tone LLP is an entity controlled and managed by True North, one of India's largest domestic private equity funds.
Niva Bupa Health Insurance Detailed Review
Best Selling Niva Bupa Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Critical Illness Health Insurance
Niva Bupa Health Insurance Plans Eligibility Approximate Annual Premiums Niva Bupa Critical Illness Entry Age - Min- 18 years, Max- 65 years
Sum Insured - Up to 5 CrRs. 12,521
Criti Care Plan Entry Age - Adults - 18 -65 years
Sum Insured - Up to 3 CroreRs. 17,765
-
Individual and Family Health Insurance
Niva Bupa Health Insurance Plans Eligibility Approximate Annual Premiums Niva Bupa Aspire Plan Entry Age - 18 years
Sum Insured - Up to 1 CrRs. 1480
Arogya Sanjeevani Policy Entry Age - 3 Months - 25 Years (Family plan) 18 - 65 Years (Individual plan)
Sum Insured - Up to 10LRs. 4722
-
Top Up and Super Top Up
Niva Bupa Health Insurance Plans Eligibility Approximate Annual Premiums Niva Bupa Health Recharge Entry Age - 91 days to 65 years
Sum Insured - Up to 95LRs. 3762
-
Senior Citizen Health Insurance
Niva Bupa Health Insurance Plans Eligibility Approximate Annual Premiums Niva Bupa Senior First Plan Entry Age - Min- 61 years, Max- 75 years
Sum Insured - Up to 5 L | 10 L | 15 L | 20 L | 25 LRs. NA
Key Features Of Niva Bupa Health Insurance
Let us take a look at some unique features of top-selling Niva Bupa Health Insurance policies:
For Critical Illness Health Insurance
Niva Bupa Critical Illness
Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.
Why Do We Recommend This?
- Avail cataract treatments for covered members
- Emergency domestic evacuation is available from the hospital you are availing treatment from to another hospital
- Avail coverage for travel expenses of an immediate family member of the patient
For Individual and Family Health Insurance
Niva Bupa Aspire Plan
A health plan that rewards you for starting young and offering multiple health benefits with Niva Bupa Aspire. Be it a challenging journey towards parenthood, or wellness benefits, the plan has something for everyone.
Why Do We Recommend This?
- M-iracle benefits cover maternity, IVF, adoption, surrogacy, and more for those who are looking forward to parenthood.
- Pay premiums as per your entry age till the time you claim with the Lock the Clock feature.
- You can carry forward the balance sum insured if you have not used it up to 10 times.
For Top Up and Super Top Up
Niva Bupa Health Recharge
This super top-up plan by Niva Bupa allows you to cover yourself, your spouse, and up to 4 dependent children. Also, you will get coverage for mental disorder treatment.
Why Do We Recommend This?
- Health check-ups are available from day 1.
- Secure your family against uncertainties with personal accident cover.
- Hassle-free cashless claim processing in 30 minutes.
For Senior Citizen Health Insurance
Niva Bupa Senior First Plan
An ideal fit for senior citizens from the age of 61 years, covering them with features like ReAssure benefit, safeguard add-ons, and more.
Why Do We Recommend This?
- No sub-limits are applicable for common health conditions like cataracts, joint replacements, and even cancer
- Waive off co-payment on applying deductibles
- No mandatory pre-issuance medical tests
Explore other Niva Bupa Health Insurance
To cater to the different medical needs of an individual & their family, Niva Bupa Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Niva Bupa Health Insurance plans explore more:
Critical Illness Health Insurance
Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical i...
Unique Features
- Features and Benefits
- Eligibility and Coverage
- Need For Critical Illness Plans?
Niva Bupa Critical Illness (Pros)
- Covers 20 critical illness
- Accident care benefits
- Direct claim settlement
Niva Bupa Critical Illness (Cons)
- Cosmetic procedures not covered
- Self-harm not covered
- Obesity-related treatments not covered
Niva Bupa Critical Illness (Other Benefits)
- Cataract treatments
- Domestic emergency evacuation
- Compassionate travel
Niva Bupa Critical Illness (Eligibility Criteria)
- Entry age: 18 - 65 Years
- SI: 5 L - 5 Cr
- Policy Term: 1/2/3 Years
- Initial Waiting Period: 90 Days
Individual and Family Health Insurance
"Introducing a health insurance that rewards you for starting young." A plan that allows you to go for overseas treatment. Several health insurance p...
Unique Features
- Global Treatment
- Provides Maternity Cover
- Lock the Clock
Niva Bupa Aspire Plan (Pros)
- Overseas treatment coverage
- Booster benefit
- Covers organ donor transplant
- Second medical opinion
- Teleconsultation
Niva Bupa Aspire Plan (Cons)
- No suicide cover
- No war injury cover
- Baby food & utility charges excluded
- Laundry charges excluded
- No certificate charges
Niva Bupa Aspire Plan (Other Benefits)
- 4 unique variants of the plan
- Cash-bag benefit
- WellConsult OPD Wallet
- Cashless claim settlement
- AYUSH Treatment
Niva Bupa Aspire Plan (Eligibility Criteria)
- Entry age - 18 years
- Max entry age - No age limit
- SI - INR 3L to 1 Cr
- Waiting Period - 30 days
Individual and Family Health Insurance
With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is...
Unique Features
- COVID-19 treatment coverage
- Pre and post-hospitalisation cover
- Lower co-pay on your claims
Arogya Sanjeevani Policy (Pros)
- COVID-19 coverage
- Cumulative bonus
- AYUSH treatment
- Room rent cover
- Preventive health check-ups
Arogya Sanjeevani Policy (Cons)
- No maternity cover
- COVID-19 care not covered
- Home care treatment is not covered
- OPD not covered
- Ambulance cover not available
Arogya Sanjeevani Policy (Other Benefits)
- Individual & family floater plan
- Cashless claim settlement
- Upto 2 Cr SI
- Premiums are affordable
Arogya Sanjeevani Policy (Eligibility Criteria)
- Min. Entry Age - 3 Months - 25 Years
- Adult Entry Age - 18 - 65 Years
- SI - 50000 - 10 L
- Initial Waiting Period - 30 Days
Top Up and Super Top Up
Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Recharge (formerly known as Max Bupa Health Recharge) i...
Unique Features
- Get covered for HIV/AIDS
- Loyalty addition of 5% on SI
- Discounts on pharmacy and diagnostic services
Niva Bupa Health Recharge (Pros)
- Loyalty addictions up to 50%
- Pharmacy and diagnostic services
- Personal accident cover
- Easy plan convertibility
- Easy plan convertibility
- Day care treatment coverage
Niva Bupa Health Recharge (Cons)
- Maternity treatment not covered
- Pre-exisiting diseases not covered
- Alcoholism not covered
- Dietary supplements not covered
- No COVID-19 cover
Niva Bupa Health Recharge (Other Benefits)
- Intensive care unit charge
- Domiciliary treatment
- HIV/AIDS treatment covered
- Artificial life maintenance benefits
- Room rent per day up to 1%
Niva Bupa Health Recharge (Eligibility Criteria)
- Min- 18 years
- Max- 65 years
Individual and Family Health Insurance
Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs. There could be several incidences that lead us t...
Unique Features
- Personal accident coverage
- Home health care cover
- Early age AdvantAGE benefit
Niva Bupa GoActive (Pros)
- Pharmacy and diagnostic services
- Domiciliary hospitalisation
- Personal accident benefits
- Refill benefits
- Daily health coaching
Niva Bupa GoActive (Cons)
- Maternity benefit not available
- Adventure sports not covered
- HIV/AIDS not covered
- Cosmetic surgery not covered
- War injuries not covered
Niva Bupa GoActive (Other Benefits)
- Behavioural Assistance Program
- Alternative treatment
- I-Protect options to increase SI
- 2% ICU cover per day. No room rent capping
Niva Bupa GoActive (Eligibility Criteria)
- Min. Entry age- 18 Years
- Max. Entry Age- 65 Years
- SI - 4 - 10 L
- Initial Waiting Period - 30 Days
Individual and Family Health Insurance
Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recha...
Unique Features
- Lifetime renewability
- Unlimited e-consultations
- Cover for modern treatments
Niva Bupa Super Saver Policy (Pros)
- Annual health check-up included
- Pharmacy and diagnostic services included
- Domiciliary treatment covered
Niva Bupa Super Saver Policy (Cons)
- Investigation and evaluation not included
- Any conflict or disaster not included
- Maternity expenses is excluded
Niva Bupa Super Saver Policy (Other Benefits)
- Lifetime renewability
- Unlimited e-consultations
- Cover for modern treatments
Niva Bupa Super Saver Policy (Eligibility Criteria)
- Min. Entry Age - 18 Years
- Max. Entry Age - 65 Years
- SI - 10.5 L - 1 Cr
- Initial Waiting Period - 30 Days
Individual and Family Health Insurance
Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. I...
Unique Features
- Unlimited e-consultations
- No Room Rent Capping
- Lifelong Renewability
Niva Bupa Money Saver Plan (Pros)
- All day care procedures covered
- Every claim free year adds up to 20% of base sum insured as bonus
- Accumulated bonus doesn& 039;t reduce even after claim
Niva Bupa Money Saver Plan (Cons)
- Oral or dental treatment not covered
- Cure and rehabilitation not covered
- Incidental diagnostic procedures not covered
Niva Bupa Money Saver Plan (Other Benefits)
Niva Bupa Money Saver Plan (Eligibility Criteria)
- Minimum- 3 Months Maximum- 65 Years
Individual and Family Health Insurance
A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives...
Unique Features
- Coverage for Modern Treatments
- Live Healthy Benefit
- Get Personal Accident Coverage
Niva Bupa ReAssure Plan (Pros)
- Booster benefit
- Organ donor transplant
- ReAssure
- Live Healthy Benefit
- Second Medical Opinion
Niva Bupa ReAssure Plan (Cons)
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- No Suicide Cover
- No War Injury Cover
Niva Bupa ReAssure Plan (Other Benefits)
- Air Ambulance
- Hospital Cash
- Personal Accident Cover
- Domiciliary hospitalization
- Day care treatment
Niva Bupa ReAssure Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Individual and Family Health Insurance
The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected m...
Unique Features
- No-claim Bonus up to 100% of SI
- No Room Rent Capping
- Vaccination for Animal Bite
Niva Health Companion (Pros)
- 5% Doctor Discount
- 10% Family discount
- Tenure Discounts of upto 15 %
- Annual Aggregate Deductible
- Home Care Treatments
Niva Health Companion (Cons)
- No OPD Cover
- No Maternity Cover
- Cosmetic Surgery Uncovered
- Specific Diseases after 2 yrs
- No Alcoholism Cover
Niva Health Companion (Other Benefits)
- Air Ambulance
- Modern Treatments
- Vaccination on Animal Bite
- Organ Donor Benefit
- Domiciliary treatments
Niva Health Companion (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Individual and Family Health Insurance
Nothing Seems Impossible A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the various fu...
Unique Features
- High Sum Insured
- Lock Your Premiums
- Booster+ Benefit
Niva Bupa Reassure 2.0 Health Plan (Pros)
- Personal accidents covered
- Acute Care
- Emergency Ambulance
- Three Plan variants
- Home Care Treatments
Niva Bupa Reassure 2.0 Health Plan (Cons)
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- Pre-Existing Diseases after 3 yrs.
- Alcoholism not covered
Niva Bupa Reassure 2.0 Health Plan (Other Benefits)
- Air Ambulance
- Modern Treatments
- Second Opinion
- Booster Benefit
- Shared Accommodation Benefit
Niva Bupa Reassure 2.0 Health Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Individual and Family Health Insurance
Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their family. The plan offers wide...
Unique Features
- Benefits and Features of Health Premia
- Comparison of Silver Gold and Platinum
- Sample Premium Rates of Plan
Niva Bupa Health Premia Plan (Pros)
- Refill benefit for any illness
- 10% Loyalty Additions in SI
- Tenure Discounts of upto 15 %
- Worldwide Maternity Benefit
- In-patient care
Niva Bupa Health Premia Plan (Cons)
- No OPD Cover
- No HIV/AIDS Covered
- 20% co-payment
- Pre-existing Diseases after 2 yrs
- Treatment for Alcoholism
Niva Bupa Health Premia Plan (Other Benefits)
- Zonal Coverage available
- Pharmacy and diagnostic services
- Opt for additional features
- Living Organ Donor Benefit
- Premium waiver and portability
Niva Bupa Health Premia Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Individual and Family Health Insurance
Go an extra mile for the health of your family with Niva Bupa Health Recharge Niva Bupa Health Pulse Plan protects you and your family's health and pr...
Unique Features
- Know About Max Bupa Health Pulse Plan
- Eligibility and Age Restrictions
- Learn More About Its Key Features
Niva Bupa Health Pulse (Pros)
- Optional benefits available
- 150% Refill Benefit
- Annual Health Checkup
- Emergency Ambulance
- Living Organ Donor Benefit
Niva Bupa Health Pulse (Cons)
- Conflict and Disaster cases
- 20% co-payment
- No Maternity Benefit
- Cosmetic surgeries
- Treatment for Alcoholism
Niva Bupa Health Pulse (Other Benefits)
- Operation Theatre Coverage
- Modern Treatments
- Personal Accident Cover
- e-Consultation
- Daily Hospital Cash
Niva Bupa Health Pulse (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 25
- Waiting Period - 30 Days
Senior Citizen Health Insurance
Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...
Unique Features
- High-sum insured options
- Rewards and loyalty benefits
- Multiple plan variants
Niva Bupa Senior First Plan (Pros)
- High-sum insured options
- Rewards and loyalty benefits
- Multiple plan variants
Niva Bupa Senior First Plan (Cons)
- ICU charges not covered
- OPD coverage not available
- Second medical opinion not available
Niva Bupa Senior First Plan (Other Benefits)
- No sub-limits are applicable for common health conditions
- Waive off co-payment on applying deductibles
- No mandatory pre-issuance medical tests
Niva Bupa Senior First Plan (Eligibility Criteria)
- Min. Entry Age - 61 Years
- Max. Entry Age - 75 Years
- SI - 5 - 25 L
- Initial Waiting Period - 30 Days
Individual and Family Health Insurance
Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-ba...
Unique Features
- Child Education
- Funeral Expenses Cover
- TTD/PTD Cover
Personal Accident Care Plan (Pros)
- Child education benefit
- Funeral expenses covered
- Total and partial disability covered
Personal Accident Care Plan (Cons)
- Adventure sports not covered
- No coverage for cosmetic procedures
- Self-harm not covered
Personal Accident Care Plan (Other Benefits)
- Lifetime renewability offered
- Long-term discounts
- High sum insured options
Personal Accident Care Plan (Eligibility Criteria)
- Min. Entry Age - 18 Years
- Max. Entry Age - 65 Years
- SI - 5 L - 5 Cr
- Initial Waiting Period - 30 Days
Critical Illness Health Insurance
CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! The critical illness can be contagi...
Unique Features
- Enhanced Coverage
- Eligibility
- Sample Premium
Criti Care Plan (Pros)
- 20 critical illnesses covered
- Long-term tenure savings
- Different pay-out options
- Tax benefits
- DIrect claim settlement
Criti Care Plan (Cons)
- Accident death
- No total disability cover
- AIDS not covered
- Child education benefit
- Funeral expenses
Criti Care Plan (Other Benefits)
- Flexibility plan options
- Surgeon fees covered
- Renewal for life
- Diagnostic Procedures/Therapies
- Prosthetic implants covered
Criti Care Plan (Eligibility Criteria)
- Min- 18 years
- Max- 65 years
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Niva Bupa Health Insurance Complete Details 2024
Why Choose
Niva Bupa
Health Insurance?
What is Covered?
International Coverage
Multiple health plans offered by Niva Bupa cover you against hefty medical bills in case treatments are availed outside of India.
Advanced Reproductive Treatments
Infertility issues are a common factor in young couples. While advanced treatments such as IVF are available, but not affordable. Niva Bupa's plans will help you with these.
Travel The World Stress-Free
Travel health insurance plans by Niva Bupa health insurance cover you against medical emergencies and offer travel inconvenience coverage. Be it loss of baggage, or passport, Niva Bupa is with you at every step
Wellness Benefits
You may think your health has no benefits over your health insurance plan, but having a healthy lifestyle and hitting your daily step goal will help you gain up to 30% renewal discounts.
Optional Covers
With each Niva Bupa health insurance plan you can attach optional covers like personal accident, critical illness, international coverage, and more.
What is not Covered?
Nuclear and Radiological
Injuries happen due to nuclear and radiological immersion.
Illegal Activities
Injuries caused due to involvement in unlawful and illegal activities
Drugs
Non-prescribed or unproven drugs or treatments
Adventure Sports
Injuries due to adventure sports unless they are mentioned in the policy schedule
Weight Management
Treatments for obesity and weight reduction
What Are The Different Waiting Periods In Niva Bupa Health Insurance Plans?
Various waiting periods are applicable across different plans offered by Niva Bupa Health Insurance. Let us discuss the same.
Initial Waiting Period
An initial waiting period of 30 days is applicable on all Niva Bupa Health Insurance plans starting from the date of purchase
Pre-existing Waiting Period
Pre-existing diseases such as hypertension, diabetes, and others have a waiting period varying between 2 to 4 years depending on the plan you opt for.
Survival Period
The survival period is the number of days mentioned in your critical illness health policy that you need to survive after being diagnosed with a critical illness to get plan coverage.
Riders Of Niva Bupa Health Insurance
Niva Bupa Health Insurance is known to provide multiple additional add-on coverage features to policyholders to give the best health insurance experience. A few are mentioned below for your information:
Fast Forward
Available with the Niva Bupa Aspire health plan, this unique health plan allows you to combine the entire sum insured so you can use it anytime if you buy a multi-year policy for 2 or 3 years of policy tenure.
Borderless Add-on
You can avail of medical treatments anywhere in the world with personalized co-payment options between 0 to 50%.
Day 1 Coverage
Get day 1 coverage for diseases like hypertension and diabetes along with up to 20% renewal discount.
Safeguard
Get annual increased coverage based on the inflation rate, and coverage for non-payable items.
Hospital Cash
The plans offered by Niva Bupa health insurance will pay you hospital cash for up to 30 days of hospitalization if you are hospitalized for more than 48 hours.
Niva Bupa Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Niva Bupa Health Insurance Plans Buying Process With PolicyX
Follow these steps to purchase Niva Bupa health plans through PolicyX:
- Step 1
Visit the PolicyX health insurance page, and fill in your details like name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Niva Bupa health insurance plans as per your requirements.
- Step 3
Select and pay premiums online for your chosen purchased Niva Bupa health insurance plan.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Niva Bupa health insurance plan.
Niva Bupa Health Insurance Renewal Process
To renew your Niva Bupa health insurance plan follow these simple steps:
- Step 1
Visit the official website of Niva Bupa Health Insurance Company
- Step 2
Click on 'Renewals'
- Step 3
Enter your 14-digit policy number
- Step 4
Click on 'Renew Now'
- Step 5
Once your renewal payment has been made, you will receive a policy renewal email and can continue with your health insurance benefits.
P.S - Connect with PolicyX health insurance experts for Niva Bupa health insurance policy renewal at 1800-4200-269
Niva Bupa Health Insurance Plan Claim Process Steps
Follow the steps given below to file claims with Niva Bupa health insurance:
- Step 1
Visit the official website of Niva Bupa Health Insurance Company
- Step 2
Click on 'Claims'
- Step 3
Choose from the Cashless Claim or Reimbursement Claim option
- Step 4
Enter your 'policy or membership number'
- Step 5
Mention your Date Of Birth (DOB)
- Step 6
Click 'Submit'
Documents Required For Niva Bupa Health Policy Claim Settlement
Submit the following documents when filing for Niva Bupa health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How To Port To Niva Bupa Health Insurance?
To port your existing policy to Niva Bupa health insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Niva Bupa Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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