Niva Bupa Health Insurance
  • Discount on Online Premium Payment
  • Annual Health Check-up
  • Claims processed in 30 minutes
Niva Bupa Health Insurance
premium

Network hospitals

10000+

premium

Incurred claim ratio

54.05%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Recognized By Niva BupaPolicyX.com is a Recognised Niva Bupa Partner View Certificate

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10000+

premium

Incurred claim ratio

54.05%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

16

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Recognized By Niva BupaPolicyX.com is a Recognised Niva Bupa Partner View Certificate

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Niva Bupa Health Insurance (formerly known as Max Bupa Health Insurance Company)

Earlier known as Max Bupa, Niva Bupa Health Insurance is one of the top standalone health insurance companies founded in 2008. The main aim of the company is to provide the complete medical needs of the people whether, you are an individual, family, or senior citizen. They offer comprehensive coverage to the policyholders. To form NIVA BUPA, formerly known as MAX BUPA, two big companies came together, these companies are- True North, an Indian private equity business, and Bupa, a global healthcare service provider company.

What Does Niva Bupa Health Insurance Do?

Niva Bupa is a health insurance company that offers several quality-driven products to safeguard policyholders, families, children, and senior citizens. Like any wise investment, health insurance by Niva Bupa can be your high-valued investment that can be fruitful during hard times. With Niva Bupa Health Insurance you can feel safe when in need. You need to pay the amount as premiums and during times of need, the company will pay the bills. That's how Niva Bupa health insurance works.

Some Interesting Facts about Niva Bupa Health Insurance?

  • The company has covered around 70 lakh people and settled claims without the intervention of TPAs.
  • To promote a healthy lifestyle they launched the "Niva Bupa Health App" to track health.
  • Their claim settlement ratio is 99.99% as per IRDAI.
  • They offer to give the greatest medical treatment to their customers by operating a huge network of over 10,000+ cashless hospitals.

Some of the Awards and Achievements

  • The Economic Times Best Brands 2019.
  • Niva Bupa's (now Niva Bupa) GoActive Health Insurance Plan is recognized as the product of the year.
  • Golden Peacock Award for its product Heartbeat Health Insurance Plan.
  • IT Management Best Practices at the Celent Model Insurer Asia Awards 2016.
  • Best Product Innovation Award for Heartbeat Family First at Indian Insurance Awards 2011.

A Quick Outlook

Cashless Claim SettlementWithin 30 minutes
Minimum Entry Age 15 days
Maximum Entry Age No Limit (Vary plan to plan)
Sum Insured Upto 1 Crore
Network Hospital10,000+
Tax Benefits Upto 1 Lakh
Solvency Ratio (2021-22) 1.7 %
Claim Settlement Ratio (2021-22) 99.99 %
Ambulance Expenses Covered
Coverage for Accidents Yes

Niva Bupa Health Insurance Plans

Formerly known as MAX Bupa Health Insurance, Niva Bupa Health Insurance is a specialized health insurance company, that provides a wide range of health insurance policies to their customers.

Here are some of the Niva Bupa Health Insurance plans:

1. Niva Bupa Health Insurance Companion Individual

The most cost-effective health insurance plan which is specifically designed for young individuals offers a lot of benefits, including direct claim settlement, and pre and post-hospitalization. At very low premiums, the policyholders will get the courage up to 1 crore.

2. Niva Bupa Health Companion Family First Plan

Niva Bupa Health Companion Family First Plan is designed for joint families. With this plan, you can cover up to 19 members of the family. The coverage has an individual sum insured for every member of the family with a floater sum insured, which they can utilize anytime.

3. Niva Bupa Health Companion Family Floater Insurance Plan

Now, this is the floater plan, which is designed for the nuclear family, where you can include 2 adults and 4 children in the single premium where you can get a sum insured of up to Rs 1 crore.

4. Niva Bupa HeartBeat Plan

HeartBeat plan covers you as an individual and your family. You can check its Gold and Platinum with unlimited benefits. The entry age for adults in this plan is 18 to 65 years and you can include your children as dependent when they are 91 days old up to 21 years. The most amazing part of this plan is that it covers maternity expenses as well.

Know more about Niva Bupa Health Insurance Plans

Niva Bupa Health Insurance Individual and Family Health Plan

Comprehensive

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

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 AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Comprehensive

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.

Unique Features

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

Health Reassure Plan (Pros)

  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Health Reassure Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Health Reassure Plan (Other Benefits)

  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Health Reassure Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.

Unique Features

  • No room rent capping
  • 20% no-claim bonus on SI
  • 100% SI restoration

Health Companion V2022 (Pros)

  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of upto 15 %
  • Annual Aggregate Deductible
  • Home Care Treatments

Health Companion V2022 (Cons)

  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 yrs
  • No Alcoholism Cover

Health Companion V2022 (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Health Companion V2022 (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.

Unique Features

  • Maternity Cover
  • International coverage
  • In-Built travel insurance

NivaBupa Health Premia (Pros)

  • Refill benefit for any illness
  • 10% Loyalty Additions in SI
  • Tenure Discounts of upto 15 %
  • Worldwide Maternity Benefit
  • In-patient care

NivaBupa Health Premia (Cons)

  • No OPD Cover
  • No HIV/AIDS Covered
  • 20% co-payment
  • Pre-existing Diseases after 2 yrs
  • Treatment for Alcoholism

NivaBupa Health Premia (Other Benefits)

  • Zonal Coverage available
  • Pharmacy and diagnostic services
  • Opt for additional features
  • Living Organ Donor Benefit
  • Premium waiver and portability

NivaBupa Health Premia (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Affordable

A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.

Unique Features

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% No Claim Bonus

NivaBupa Health Pulse (Pros)

  • Optional benefits available
  • 150% Refill Benefit
  • Annual Health Checkup
  • Emergency Ambulance
  • Living Organ Donor Benefit

NivaBupa Health Pulse (Cons)

  • Conflict and Disaster cases
  • 20% co-payment
  • No Maternity Benefit
  • Cosmetic surgeries
  • Treatment for Alcoholism

NivaBupa Health Pulse (Other Benefits)

  • Operation Theatre Coverage
  • Modern Treatments
  • Personal Accident Cover
  • e-Consultation
  • Daily Hospital Cash

NivaBupa Health Pulse (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Digital

A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.

Unique Features

  • Early age enrolment discounts
  • Annually 10 OPD consultations
  • No room rent capping

NivaBupa Go Active (Pros)

  • Pharmacy and Diagnostic Services
  • Domiciliary hospitalization
  • Personal Accident Benefit
  • Refill Benefit
  • Daily health coaching

NivaBupa Go Active (Cons)

  • Maternity Benefit Not available
  • Adventure Sports not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery Not Covered
  • War Injuries not covered

NivaBupa Go Active (Other Benefits)

  • Behavioural Assistance Program
  • Alternate Treatment
  • I-Protect option to increase SI
  • 2 % ICU Cover (per Day)
  • No Room Rent Sub Limit

NivaBupa Go Active (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A complete health plan, providing a wide range of medical benefits along with global emergency coverage.

Unique Features

  • Maternity & New born coverage
  • No room rent capping
  • 10% increase in SI annually

NivaBupa Heart Beat (Pros)

  • Additional Coverage
  • 10% Loyalty Benefit
  • Annual Health Check ups
  • Refill benefits
  • Coverage out of hospitals

NivaBupa Heart Beat (Cons)

  • Obesity Treatment not covered
  • Hazardous Activities not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

NivaBupa Heart Beat (Other Benefits)

  • OPD Consultations
  • Alternative Treatments
  • New Born Baby Cover
  • Pharmacy and diagnostic services
  • No WP up to 45 years

NivaBupa Heart Beat (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable

An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.

Unique Features

  • Up to 200% of SI as NCB
  • Up to 150% of SI restoration
  • Unlimited e-consultation

NivaBupa Super Saver (Pros)

  • Day 1 Health check-up
  • No pre-issuance medical tests
  • Ambulance cover up to Rs 2000
  • ReAssure Benefit
  • No sub-limits

NivaBupa Super Saver (Cons)

  • No Maternity Benefit
  • Adventure Sports not covered
  • STDs not covered
  • Cosmetic Surgery Not Covered
  • Self Inflicted Injuriesnot covered

NivaBupa Super Saver (Other Benefits)

  • Air Ambulance Cover
  • Health Checkup
  • Organ Donor Benefit
  • Ayush Benefit
  • Room selection Option

NivaBupa Super Saver (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Niva Bupa Health Insurance Specialized Plans

Comprehensive Plan

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Senior Citizen

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Top-up plan

A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.

Unique Features

  • No room rent capping
  • Unlimited E-consultation available
  • Pharmacy and diagnostic services

NivaBupa Health Recharge (Pros)

  • Loyalty Additions up to 50%
  • Pharmacy and Diagnostic Services
  • Personal Accident Cover
  • Easy Plan Convertibility
  • Day Care Treatments Coverage

NivaBupa Health Recharge (Cons)

  • Maternity Treatment not covered
  • Pre-existing Diseases not covered
  • Alcoholism not covered
  • Dietary Supplements not covered
  • No COVID-19 cover

NivaBupa Health Recharge (Other Benefits)

  • Intensive Care Unit charges
  • Domiciliary treatment
  • HIV / AIDS Treatment Covered
  • Artificial Life Maintenance Benefit
  • Room Rent (per day) Up to 1%

NivaBupa Health Recharge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 Lakh - 95 Lakh
  • Waiting Period - 30 Days

Critical Illness

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa CritiCare (Pros)

  • 20 critical illnesses Covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • Direct claim settlement

NivaBupa CritiCare (Cons)

  • Accident Death
  • No Total Disability Cover
  • AIDS Not Covered
  • Child Education Benefit
  • Funeral Expenses

NivaBupa CritiCare (Other Benefits)

  • Flexibility Plan Options
  • Surgeon's Fee Covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 3 Cr
  • Waiting Period - 30 Days

Personal Accident

Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.

Unique Features

  • Global coverage available
  • Child education benefit
  • Permanent Disability Cover

AccidentCare (Pros)

  • Funeral Expenses
  • Accidental OPD
  • Adventure Sports Cover
  • Elderly Care Cover
  • Burns Cover

AccidentCare (Cons)

  • No Alcohol Ailment Cover
  • No Cosmetic Surgery
  • No Obesity Surgery
  • No Suicide Cover
  • No War Injury Cover

AccidentCare (Other Benefits)

  • Air Ambulance
  • Broken Bone/Fracture
  • Head & Spinal Injury
  • Marriage Expenses for Children
  • Comatose Cover

AccidentCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 5l
  • Waiting Period - 30 Days

Comprehensive and Top-Up plan

A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.

Unique Features

  • 100% SI restoration
  • Unlimited e-consultation
  • No room rent capping

NivaBupa Money Saver (Pros)

  • All Day Care Procedures covered
  • Accumulated Bonus
  • 100% Refill Benefit
  • 20% cumulative bonus
  • Organ Transplantation Covered

NivaBupa Money Saver (Cons)

  • No Maternity Benefit
  • Adventure Sports not covered
  • STDs not covered
  • Cosmetic Surgery Not Covered
  • Self Inflicted Injuriesnot covered

NivaBupa Money Saver (Other Benefits)

  • Road Ambulance Cover
  • Alternate Treatment
  • Pharmacy and Diagnostic Services
  • Hassle-Free Claims
  • Pre & Post Hospitalisation

NivaBupa Money Saver (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 10.5 L to 1 Cr
  • Waiting Period - 30 Days

Suraksha Plan

Niva Bupa Saral Suraksha Bima

A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.

Unique Features

  • Large Sum Insured
  • High sum insured
  • Up to 50 % Cumulative Bonus

Saral Suraksha Bima (Pros)

  • Accidental Death Covered
  • Pay Rs 296 monthly as premium
  • Education Grant to children
  • Temporary Total Disablement
  • Hospitalisation due to an accident

Saral Suraksha Bima (Cons)

  • No Maternity Benefit
  • No Disablement Claims
  • War Injuries not covered
  • Accident through intoxication
  • COVID-19 death not covered

Saral Suraksha Bima (Other Benefits)

  • 30-minute cashless claims
  • Paperless Reimbursement
  • Road Ambulance Covered
  • Emergency Treatment Covered
  • Hassle Free Renewal Process

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Corona Plan

Niva Bupa Corona Kavach

The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.

Unique Features

  • Ventilator Expenses Included
  • PPE Kit expense Included
  • Covers ICU Charges

Niva Bupa Corona Kavach (Pros)

  • Home Care Treatment Expenses
  • Hospitalisation Coverage
  • Pre and Post Hospitalisation
  • Hassle-free Claims
  • AYUSH Treatments Coverage

Niva Bupa Corona Kavach (Cons)

  • OPD and Day Care Treatment
  • Evaluation and Investigations
  • Rehabilitation
  • Dietary supplements
  • COVID Claim

Niva Bupa Corona Kavach (Other Benefits)

  • Coverage for Parents & PILs
  • Coverage for Dependent Children
  • Road Ambulance Covered
  • Hospital Daily Cash
  • Spouse Cover Available

Niva Bupa Corona Kavach (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 Lakh
  • Waiting Period - 30 Days

Niva Bupa Health Top-Up Plans

If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for a Niva Bupa Health Insurance Super Top-Up plan to provide supplement your coverage. Here are the top-up plans Niva Bupa offers:

  • Niva Bupa Health Reassure
  • Niva Bupa Health Companion
  • Niva Bupa Health Premia
  • Niva Bupa GoActive

Know more about Niva Bupa Health Insurance Top-Up plans.

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Why Choose Niva Bupa Health Insurance Plan?

Niva Bupa is the top standalone company that provides specialized health insurance plans in India as well as out of India. They are known for their multiple policy plans which they offer to individuals as well as families. Read about the benefits it offers:

  • 30 Minutes Claim Settlement
    Niva Bupa offers a quick and hassle-free claim settlement service. The insurer provides cashless claim processing in 30 minutes and is trusted by over 70 lakh customers.
  • Wide Range of Network Hospitals
    The insurer has a wide network of cashless hospitals providing the best medical care as per the insurance holders' requirements. With 10,000+ cashless network hospitals, Niva Bupa offers planned and emergency hospitalization where you can avail of benefits based on your health insurance coverage.
  • Niva Bupa Value-Added Benefits
    Niva Bupa Insurance offers various benefits through its health insurance plans such as online discounts, long-term policy discounts, and wellness discounts at the time of policy renewal.
  • Refill Benefit
    Niva Bupa Health Insurance plans offer refill benefits wherein the insurance holders are offered an extra amount which is equal to the base sum insured in case the base plan is exhausted.
  • Wide Variety of Plans
    Niva Bupa offers multiple categories of health insurance plans covering customers against, critical illnesses, accidents, international health emergencies, and more.
  • Doctor Consultation
    Niva Bupa Health Insurance offers cashless facilities at OPD Network hospitals with 2,000 doctors and teleconsultation with which they promise to provide quick doctor's consultations related to healthcare and wellness services.
  • Emergency Ambulance Coverage
    Niva Bupa health insurance covers the charges of an emergency ambulance.
Highlight of Niva Bupa Health Insurance

Know What is Covered - Inclusions

In-patient Hospitalization

All your in-patient hospitalisation in which there is a need to stay in the hospital for minimum 2 hrs or more in order to receive medical care.

Pre and Post-Hospitalisation Care

Your medical insurance with Niva Bupa will give you coverage against all the procedures that are being done before hospitalization like diagnostic tests, and post-hospitalization like aftercare as well.

Day Care Procedures

If there is a requirement for any procedure that will take only a few hours of medical treatment, it will also be covered.

Ambulance Charges

In the Niva Bupa Health Insurance, ambulance charges are also covered.

Organ Donor

The cost of organ harvesting from the donor will be covered.

What is not Covered?- Exclusion

Dental Treatment

Dental treatment costs unless it is due to cancer or acute trauma cases.

External Devices

The cost of any external devices like spectacles, hearing aids, artificial limbs, crutches, artificial teeth, and veneers, are not included in the policy.

Self-Inflicted Injury

Costs of treatment for self-inflicted injuries such as suicide cases will not be covered.

Cosmetic Surgery

Surgeries like botox, liposuction, and more will not be included if it not from accidental burns or cancer treatment.

Waiting Period in Niva Bupa Health Insurance

When you buy a policy, your coverage does not start immediately after the issuance. There is a time frame that you need to complete before the coverage of this policy begins. This time period is called the waiting period in Niva Bupa Health Insurance. At this time you cannot claim the money. The range and time period of the waiting period depends on various factors like policy, coverage, and types of diseases.

Let us check out some of the types of waiting periods:

  • Initial Waiting Period:
    The time period in the initial waiting period starts immediately after you get the policy. Most of the time it is 30 days from the date you get the policy.
  • Waiting Period for Pre-Existing Diseases (PED)
    For pre-existing diseases such as diabetes and hypertension, a longer waiting period of 2 to 4 years is initiated. During this time, you cannot claim your hospitalization or treatment expenditure.
  • Waiting Period for Maternity Cover
    The waiting period for maternity cover is between 9 to 48 months from the date you bought the policy.

Factors to Consider While Buying Niva Bupa Health Insurance

Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Study the scheme for the following advantages to understand and compare the best medical insurance in India.

  • Verify Eligibility
    Health Policies come up with the different entry age restrictions. In Niva Bupa, the entry age is 91 days on a floater basis.
  • Ensure the Maximum Coverage
    Check out the coverage your health insurance is providing. Like Niva Bupa provides pre and post-hospitalization expenses, diagnosis expenses, and annual health checkups.
  • Look for Affordable Premiums
    Keep a note of the premiums that you need to pay. Niva Bupa Health provides a digital portal where you can calculate the premiums.
  • Check for the Exclusions
    You need to check for the exclusion list before choosing the Niva Bupa policy. There are certain conditions under which you cannot make the claim.
  • Understand the Co-Payment Clause
    It is advised to check the co-payment clause before you invest in the insurance.
  • Select Wide Cashless Network Hospital
    Check for the network hospitals the insurance providers are offering. Ensure the number of reputed cashless hospitals they have on the list.
  • Bid for Higher Claim Settlement Ratio
    The claim settlement ratio is the company's face value. The higher the claim settlement ratio, the higher the company's value. Niva Bupa Health Insurance promises the highest claim settlement ratio of 100%.
Niva Bupa Health Insurance Banner

Why Choose the Online Procedure to Buy Niva Bupa Health Insurance Policy?

Choosing an online platform is the easiest way to save time and effort in this digitally-equipped world. There are many reasons why you should opt for the online procedure:

  • Convenient Policy Selection
    You can schedule unlimited appointments with the experts to understand the policy details. You can study, compare, choose, and make payments for your insurance anywhere on the online portal.
  • Best Customer Care Services for Queries
    The team of Niva Bupa Health Insurance and PolicyX is always available for all your queries concerning the terms and conditions of the policies. With the live chat options, you can discuss any policy-related matter at your convenience.
  • Instant Premium Quote Calculations
    You will get the digital premium calculator to help you elevate your premiums and opt for customized healthcare insurance for you and your family members.
  • Secure Payment Modes
    The policy portal of Niva Bupa Insurance offers various digitally secure payment modes, such as credit/debit cards or net banking. You will receive authentic policy documents immediately after completing the payment. This way you can get an instant mediclaim policy in less than an hour.
  • Transparent Policy Evaluation
    Niva Bupa promises a transparent policy evaluation process. All the terms and conditions are ready for your reference.
  • Readily Available Value Added Services
    You can check out other add-on benefits while browsing mediclaim policies. These include OPD care, a co-payment waiver, and a reduced wait time for pre-existing diseases, among others, to cover all the needs.

Benefits of Purchasing Health Insurance at an Early Age

Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

How to Renew Health Insurance Policy?

As the term policy ends, you need to renew it in order to continue the uninterrupted healthcare coverage and added advantages. Follow these steps to renew the insurance:

  • Visit the official Niva Bupa Official website for health insurance policy renewal.
  • Go to the renew section.
  • Give your complete details, such as policy number, contact number, and much more.
  • Check the payment section and make the payment for the renewal premium through any secure payment mode.

How to Buy

You can buy Niva Bupa health insurance plans online in two ways i.e. buy a Niva Bupa policy directly from the brand website or through PolicyX.com. Read below to explore the buying processes in both cases.

Buy from the Company

  • Visit the official website of the company.
  • On the home page, fill in the details and click on "View Plans".
  • Among all the available plans, select the best-suited plan to meet your needs
  • Pay the premium online.
  • Once done, the company will send all the policy details to your registered email address

Buy from PolicyX

  • Fill in the details in the "Calculate Premium form".
  • Fill in the necessary details to get the list of quotes.
  • Choose the desired Niva Bupa health plan and pay the premium.
  • After the payment, the policy will be shared on your registered email address.

How to Claim?

These are the steps you need to know for filing your claim. Filing a health insurance claim will become very easy if you choose the best and easiest way. That is why we have jotted down the steps you should follow to file a claim.

Niva Bupa Health Insurance offers 2 methods of claim settlement- Cashless Claim settlement, and Reimbursement claim settlement. Check out the steps you can follow for Niva Bupa Health claim settlement.

Steps For Cashless Claims

  • Get admitted to any one of the network hospitals associated with Niva Bupa.
  • Show your Niva Bupa health card at the hospital's reception desk.
  • The hospital will submit the pre-authorization request form to the company.
  • The company will review your request and provide confirmation.
  • If approved, the company will directly settle the claim with the hospital.

Steps For Reimbursement Claims

  • Intimidate the company within 48 hours of hospitalization, or within 24 hours of hospitalization in emergency cases.
  • Avail treatment, pay all the bills by yourself.
  • Fill in the claim form to initiate the reimbursement process.
  • Send the duly filled form along with original hospital bills, diagnostic reports, discharge summary, medical prescription & Post Mortem Reports (if applicable).
  • Once approved, you will receive the reimbursement amount in your registered bank account.

Claim Process

Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.

Documents required while filing the claim

  • 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
  • Any other document as required by the company to assess the claim

How to Calculate the Premiums?

You can calculate your health insurance premiums online at Policyx. This Niva Bupa Health premium calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.

Take a look at the below section wherein you can explore all the aspects involved in premium calculation with the help of the Niva insurance premium calculator.

Health ReAssure

SI Options5L10L20L25L50L1Cr
Sample Annual Premium - 1A7,6979,11113,01013,89517,43920,983
Sample Annual Premium - 2A11,40913,35419,90221,23226,54831,864
Sample Annual Premium - 2A+1C15,09217,56526,04627,81434,88841,961

Health Premia

Silver VariantGold VariantPlatinum Variant
SI Options5L7.5 L20L30L50L1 Cr3 Cr
Sample Annual Premium - 1A12,27414,03519,54920,34621,40652,39160,467
Sample Annual Premium - 2 A21,31725,02934,86835,95737,46386,23798,893

Senior First

Gold VariantPlatinum Variant
SI Options5L10 L10L15L25L
Sample Annual Premium - 1A16,12520,04325,47630,18238,506
Sample Annual Premium - 2 A22,38627,83934,50742,04754,609

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 32 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.

Choose Policyx for all your Niva Bupa Health Insurance queries. We are:

PolicyX.com provides the key features of the plan in a simple yet detailed manner, making your decision of choosing an insurance policy easier.

  • IRDAI Approved: PolicyX.com is an IRDAI approved web aggregator that helps consumers in comparing, choosing, and buying policies online.
  • Free Comparison Service: PolicyX.com provides a single platform where you can compare different insurance companies, insurance plans, and their premiums.
  • Compare 15 companies in 30 sec: Consumers can compare up to 15 companies in just 30 sec on PolicyX.com.
  • Buy Insurance within 5mins: PolicyX offers a simple and quick buying process where consumers can buy insurance in less than 5mins.
  • 24x7 Customer Service: PolicyX is always with their customers as we offer 24x7 customer care service.
  • Free Future Claim Assistance: PolicyX is always there to help and assist your claim under any term insurance company.
Why Choose PolicyX.Com

End Note-Contact Details

Niva Bupa Health is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Niva Bupa Health Insurance Customer Care.

Niva Bupa Health Insurance Company Limited, 14th Floor, Capital CyberScape, Sector 59, Gurugram, Haryana

customercare[at]nivabupa[dot]com

1860-500-8888

Niva Bupa Health Insurance: Frequently Asked Questions

1. I am a 32-year-old Diabetic. Will I have to pay higher premiums for my Niva Bupa Health Policy (formerly known as Max Bupa Health Insurance Company)?

Yes. Majorly the health insurance premium gets affected by your growing age, pre-existing diseases, and other lifestyle habits. So on such grounds, the premium you will have to pay will be higher than that of any young healthy individual.

2. How many times can I make a claim under the Niva Bupa Health Insurance Policy (formerly known as Max Bupa Health Insurance Company)?

One can file any number of claims over a year under Niva Bupa Insurance. However, this should be kept in mind that the claim amount should not exceed the sum insured of your plan.

3. I am covered under a Group Health Insurance offered by my company. Do I still need an Individual or Family Health Plan?

More often, the Group health insurance comes with limited coverage and the sum insured offer is not as extensive as provided by individual health insurance. Therefore, considering the healthcare needs of yourself & your family, you can opt for another health insurance policy.

4. Are Niva Bupa & Niva Bupa the same?

Yes, both are the same. The Niva Bupa Health Insurance has been rebranded as Niva Bupa Health Insurance after a change in its shareholding pattern.

5. How can I use my Niva Bupa Health Insurance Policy?

To use your Niva Bupa Health Insurance at the tie of medical emergency, follow the below mentioned steps:

  • Inform the insurer
  • Share your health insurance card at the hospital
  • Pre-authorization request goes to the insurer
  • Verification process is done by the insurer
  • Claim settlement

6. Does Niva Bupa Health Insurance Company offer the facility of autorenewal?

Yes, the company allows you to choose for auto renewal facility so that you never forget to pay your premiums on time. For any auto renewal assistance, give a missed call on 0120-6940410, and the company's representatives will get in touch with you.

7. What is the tenure of Niva Bupa Health Insurance plans?

Insurance holders can select plans as per their requirements and needs, depending on the plan they select Niva Bupa Health Plans have insurance plans with 1 or 2 years.

8. Where can I avail cashless hospitalization facility under Niva Bupa Health Insurance?

Niva Bupa has 9100+ cashless network hospitals around the nation and insurance holders can avail of cashless hospitalization anywhere in the listed hospital list.

Other Health Insurance Companies

Compare Niva Bupa health insurance plans with other insurers in India.

Read Reviews & Ratings

Customer Review Image

Samiksha Sharma

Gandhinagar

May 10, 2024

When I was sarching for an ideal maternity health plan, PolicyX insurance agents suggested me Niva Bupa Aspire and I am more than satisfied with its multiple features for women

Customer Review Image

Raghoba Phadke

Guwahati

April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

Customer Review Image

Akshat R Verma

Allahabad

April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

Customer Review Image

Akash Banerjee

Pune

April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

Customer Review Image

Sarthak Parmal

Delhi

April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

Customer Review Image

Trishna Rohilla

Bengaluru

April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

Customer Review Image

Sunaina Khanna

Ahmedabad

April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

Customer Review Image

Babita Thapa

Allahabad

April 8, 2024

I had some reimbursement claim queries related to the Niva Bupa Aspire policy, the customer support team of PolicyX understood my requirement and they stood by me to get the claim.

View All Niva Bupa Health Insurance Reviews

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.