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.

Insights

Niva Bupa
Health Features

10,372

Network
Hospitals

30 Min

Cashless Claim
Processing

UP TO 2 Cr

Sum
Insured

93.2%

Claim Settlement
Ratio

Best Selling Niva Bupa Health Insurance Plans

Here is a list of Niva Bupa Health Insurance plans for all your medical needs and related requirements:

Individual & Family Health Insurance

Niva Bupa Health Insurance Plans	Eligibility	Approximate Annual Premiums
Niva Bupa Aspire Gold+	Entry Age - 18 to 65 Years Sum Insured - Up to 1 Crore	Rs.1, 480 Per year
Niva Bupa Reassure 2.0 Bronze	Entry Age - 18 to 65 Years Sum Insured - Up to 1 Crore	Rs.1,581 /- Per year
Niva Bupa Health Premia Gold	Entry Age - NA Sum Insured - Up to 3 Crore	Rs. 16, 436/- Per year
Niva Bupa GoActive	Entry Age - 18 to 65 Years Sum Insured - Up to 25 L	Rs. 13,352/- Per year
Niva Bupa Health Companion	Entry Age - 18 Years to no maximum age limit Sum Insured - Up to 1 Crore	Rs. 8,056/- Per year

Senior Citizen Health Insurance

Niva Bupa Health Insurance Plans	Eligibility	Approximate Annual Premiums
Niva Bupa Senior First Gold	Entry Age - 61 to 75 Years Sum Insured - Up to 25 L	Rs. 13,453/- Per year

Critical Illness Health Insurance

Niva Bupa Health Insurance Plans	Eligibility	Approximate Annual Premiums
Niva Bupa CritiCare	Entry Age - 18 to 65 Years Sum Insured - Up to 2 Crore	Rs. 12,521/- Per year

Accident Health Insurance

Niva Bupa Health Insurance Plans	Eligibility	Approximate Annual Premiums
Niva Bupa AccidentCare	Entry Age - 18 to 65 Years Sum Insured - Up to 5 Crore	Rs. 6,444/- Per year

Travel Health Insurance

Niva Bupa Health Insurance Plans	Eligibility	Approximate Annual Premiums
Niva Bupa Travel Assure Basic	Entry Age - Upto 70 Years Sum Insured - Up to USD 500,000	Rs. 830/- Per year

*Premiums calculated are sourced from the official website of Niva Bupa

Key Features Of Niva Bupa Health Insurance Plans

Want to know more about Niva Bupa health plan features? Read below:

For Individuals & Families

Niva Bupa Aspire

A health plan that rewards you for starting young and offering multiple health benefits with Aspire. Be it a challenging journey towards parenthood, or wellness benefit, the plan has something for everyone.

Why Do We Recommend This?

M-miracle benefit covers 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 Lock the Clock feature
You can carry forward the balance sum insured if you have not used it up to 10 times

For Senior Citizens

Niva Bupa Senior First

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

For Critical Illnesses

Niva Bupa CritiCare

An ideal health plan for individuals and families alike. It not only protects you against critical illnesses but also covers you for accident care and hospital cash.

Why Do We Recommend This?

AccidentCare offering you a sum insured of up to INR 5 Crores
Opt for coverage from 6 different combinations available
Covers 20 critical illnesses

For Personal Accident

Niva Bupa AccidentCare

A comprehensive personal accident health plan from Niva Bupa, offering a high sum insured of up to INR 5 Crores. Multiple optional benefits are available under the plan such as Temporary Total Disability, accidental hospitalisation, surgical operations, and more.

Why Do We Recommend This?

Avail of child education benefits in case you suffer from accidental death or permanent total disability
Lifetime renewability offered
Avail of long-term discounts on purchasing a health plan for 2 or 3 years policy term

For Travel Insurance

Niva Bupa Travel Assure Basic

Niva Bupa travel insurance is designed to cover you with 3 different variants namely, Lite, Basic, and Comprehensive. A plan that travels along with you everywhere you go with features like loss of baggage, trip delays, and more.

Why Do We Recommend This?

Coverage for overseas hospitalization up to $5,00,000 without any sub-limits
Coverage for pre-existing diseases
Coverage for injury caused due to accidental event

Why Choose
Niva Bupa
Health Insurance?

Access Healthcare On Your Fingertips

Be it filing a claim request, or simply checking when you are up for your health plan renewal, the Niva Bupa health insurance app offers you everything in the palm of your hand.

Connect With Your Health Insurer Anytime, Anywhere!

You heard that right, access Niva Bupa Health Insurance plan features without any limitations as the insurer provides customer support 24/7 in case of any planned or unplanned medical requirements.

Claims Processed Quicker Than Your Food Order

A health insurance claim is the most crucial aspect for any policyholder and when you are not assured of a smooth claim process, it can be disheartening. However, with Niva Bupa health insurance, you will have your cashless claims processed within 30 minutes of filing.

Avail Coverage for Diabetes From Day 1

Special health plans are dedicated to illnesses like diabetes and hypertension offered by Niva Bupa health insurance which are generally not covered under regular health plans by other insurance providers.

Offers Comprehensive Coverage To Travellers

Niva Bupa health insurance plans have something for everyone, even if it means frequent travelling for you. You are eligible for healthcare benefits in international countries, including access to emergency ambulances.

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 leading stress-inducing factor in young couples. While advanced treatments such as IVF are available, they are not affordable. Niva Bupa health plans will relieve you of the burden of such expensive procedures so you can enjoy your journey towards parenthood.

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?

Injuries or accidents caused due to nuclear or radiological emissions

Injuries caused due to involvement in unlawful and illegal activities

Non-prescribed or unproven drugs or treatments

Injuries due to adventure sports unless they are mentioned in the policy schedule

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%.

Disease Management

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 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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Niva Bupa Network Hospital

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.

How To Calculate Niva Bupa Health Insurance Policy Premiums?

Compare and calculate the best care health policies with the PolicyX premium calculator with these simple steps:

Step 1
Visit the official website of 'PolicyX'
Step 2
Fill in details such as name, number of family members to be covered, city, and other information
Step 3
Click on 'Get Quotes'

P.S - Connect with PolicyX health insurance experts for Niva Bupa health insurance policy renewal at 1800-4200-269

Wrapping It Up

Niva Bupa Health Insurance Company is among the best stand-alone health insurers in India with a strong legacy reflected through its large customer base. To compare and explore the best of Niva Bupa health insurance plans, connect with our health insurance experts.

More Queries?

For any query related to health insurance products and services by Niva Bupa, give a call at
1860-500-8888 today!

Niva Bupa Health Insurance: Frequently Asked Questions

1. Which Niva Bupa Health Insurance plan is the right one for me?

To select the best Niva Bupa health insurance plan per your needs, consider your age, pre-existing conditions, sum insured, number of dependents, and other important factors. For assistance get in touch with PolicyX health insurance experts at 1800-4200-269.

2. Will Niva Bupa's health insurance cover my pre-existing health conditions?

Yes, Niva Bupa health plans cover PEDs after serving a specified amount of waiting period. You can also reduce your waiting period with an additional waiver of premium add-ons.

3. How long does Niva Bupa health insurance take to process cashless claims?

Niva Bupa Health Insurance promises a 30-minute cashless claims processing after receiving all the necessary details and documents from the policyholder for claim filing.

4. How many cashless hospitals are available with Niva Bupa health plans?

Avail cashless hospitalization in over 10,372 network hospitals with Niva Bupa Health Insurance health plans.

5. Does Niva Bupa Health Insurance have a health app?

Yes, Niva Bupa health insurance provides insurance-related services in the palm of your hands with the Niva Bupa App available on iOS and Android.

6. How can I use my Niva Bupa Health Insurance Policy during any medical emergency?

To use your Niva Bupa Health Insurance at the time of a 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
The verification process is done by the insurer
Claim settlement approved

Now you can enjoy the benefits associated with your Niva Bupa health plan.

7. Does Niva Bupa Health Insurance Company offer the facility of auto-renewal?

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 at 1860-500-8888, and the company's representatives will get in touch with you.

8. What are the different types of Niva Bupa Health plans available?

Niva Bupa Health plans are available across categories like:

Individual Health Plans
Family Health Plans
Personal Accident Health Plans
Senior Citizen Health Plans
Critical Illness Health Plans

Explore Niva Bupa Health Insurance

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Read Reviews & Ratings

Disha Gupta

Other

September 10, 2024

I had a conversation with Geetakshri..and she was sooo good..she clears every point patiently and i a very detailed manner

Ritesh

Pune

August 28, 2024

Thank You payal for explaining policy terms and conditions to me very smoothly and efficiently. You are truly amazing you have given details explanation with examples. Thanks alot.

Sachin

Delhi

July 30, 2024

Absolutely thrilled with my experience with Policyx! Their team was incredibly supportive, calm, and humble throughout the entire process of buying health insurance. Their expertise and dedicat...

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

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.

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.

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.

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.

View All Niva Bupa Health Insurance Reviews

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.

Confused? No Worries, We Are Here To Help!

Niva Bupa Health Insurance Overview

Best Selling Niva Bupa Health Insurance Plans

Individual & Family Health Insurance

Senior Citizen Health Insurance

Critical Illness Health Insurance

Accident Health Insurance

Travel Health Insurance

Key Features Of Niva Bupa Health Insurance Plans

For Individuals & Families

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

Why Do We Recommend This?

For Senior Citizens

Why Do We Recommend This?

For Critical Illnesses

Why Do We Recommend This?

For Personal Accident

Why Do We Recommend This?

For Travel Insurance

Niva Bupa Travel Assure Basic

Why Do We Recommend This?

Access Healthcare On Your Fingertips

Connect With Your Health Insurer Anytime, Anywhere!

Claims Processed Quicker Than Your Food Order

Avail Coverage for Diabetes From Day 1

Offers Comprehensive Coverage To Travellers

What is Covered?

International Coverage

Advanced Reproductive Treatments

Travel The World Stress-Free

Wellness Benefits

Optional Covers

What is not Covered?

What Are The Different Waiting Periods In Niva Bupa Health Insurance Plans?

Initial Waiting Period

Pre-existing Waiting Period

Survival Period

Riders Of Niva Bupa Health Insurance

Fast Forward

Borderless Add-on

Disease Management

Safeguard

Hospital Cash

Niva Bupa Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Niva Bupa Health Insurance Plans Buying Process With PolicyX

Niva Bupa Health Insurance Renewal Process

Niva Bupa Health Insurance Plan Claim Process Steps

Documents Required For Niva Bupa Health Policy Claim Settlement

How To Port To Niva Bupa Health Insurance?

How To Calculate Niva Bupa Health Insurance Policy Premiums?

Wrapping It Up

More Queries?

Niva Bupa Health Insurance: Frequently Asked Questions

1. Which Niva Bupa Health Insurance plan is the right one for me?

2. Will Niva Bupa's health insurance cover my pre-existing health conditions?

3. How long does Niva Bupa health insurance take to process cashless claims?

4. How many cashless hospitals are available with Niva Bupa health plans?

5. Does Niva Bupa Health Insurance have a health app?

6. How can I use my Niva Bupa Health Insurance Policy during any medical emergency?

7. Does Niva Bupa Health Insurance Company offer the facility of auto-renewal?

8. What are the different types of Niva Bupa Health plans available?

Explore Niva Bupa Health Insurance

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