Niva Bupa Health vs Care Health Health Insurance 2026 | PolicyX

Overview

Niva Bupa (formerly Max Bupa) is a standalone health insurer backed by global healthcare group Bupa. Founded in 2008, it offers simple plans for individuals, families and senior citizens, a wide cashless hospital network and an in-house claim process.
COMPANY DETAILS ✎ Edit

Niva Bupa Health

✎ Edit

Care Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ Unlimited

Sum Insured

Up to ₹ 1 Cr
Claim ratio

Claim Ratio

94.4%

Claim Ratio

96.6%
Network hospitals

Network Hospital

10000+

Network Hospital

22100++
Solvency Ratio

Solvency Ratio

3.03

Solvency Ratio

1.74
Pan India Presence

Pan India Presence

320

Pan India Presence

158
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

6,762.23 Crore

Annual premium (company level)

6,864.46 Crore
Years in operation

Years in operation

2008

Years in operation

12
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

92.4

Claims settled within 3 months

96.6
Recommended Videos
Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025

▶ Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025

Care Health Insurance Review

▶ Care Health Insurance Review

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Niva Bupa Health Insurance

Individual and Family Health Insurance

Niva Bupa Aspire Plan

The Niva Bupa Aspire Health Insurance Plan is designed for young individuals, offering comprehensive coverage up to ₹1 Crore wit...

  • Global Treatment
  • Provides Maternity Cover
  • Lock the Clock
  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation
  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges
  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment
  • Entry age - 18 years. Maximum entry age - No age limit. Sum Insured (SI) - INR 3 Lakh to 1 Crore. Waiting Period - 30 days.
View plan
Individual and Family Health Insurance

Niva Bupa Arogya Sanjeevani Policy

Niva Bupa's Arogya Sanjeevani policy offers an affordable, comprehensive indemnity health plan for individuals and families, cover...

  • COVID-19 treatment coverage
  • Pre and post-hospitalisation cover
  • Lower co-pay on your claims
  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups
  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available
  • Individual & family floater plan
  • Cashless claim settlement
  • Premiums are affordable
  • Minimum Entry Age: 3 Months - 25 Years (for children in family plan)
  • Adult Entry Age: 18 - 65 Years
  • Sum Insured: INR 50
  • 000 - INR 10 Lakh
  • Initial Waiting Period: 30 Days
View plan

Care Health Insurance

Individual and Family Health Insurance

Care Operation Insurance

The Care Operation Insurance Plan provides extensive coverage for surgical procedures, with sum insured options from ₹10 Lakhs t...

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits
  • Health services
  • Air Ambulance cover
  • Chemotherapy cover
  • Illegal activities
  • Alcohol abuse
  • Obesity treatments
  • Dialysis cover
  • Second opinion
  • Organ donor cover
  • Min entry age: 5 Years
  • Max entry age: 50 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr
View plan
Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance provides high sum insured options up to 1 Crore, ensuring comprehensive coverage for families. It ...

  • High sum insured
  • 540+ procedures covered
  • Organ donation cover
  • No Claim Bonus up to 50%
  • Automatic SI recharge
  • Organ donor cover
  • High SI
  • 20% co-pay
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Ambulance cover available
  • Optional cover available
  • Co-pay waiver
  • Room rent modification
  • Entry age- 91 days
  • Max entry age- Lifelong
  • SI- 25 L to 6 Cr
  • Waiting Period- 30 days
View plan

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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