Diseases Covered By Niva Bupa Health Insurance
  • Explore Covered Disease List
  • Niva Bupa Health Plans
  • Exclusions
Diseases Covered By Niva Bupa Health Insurance
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Covered Diseases List of Niva Bupa: An Introduction

If there is one thing that people have learned from the Covid pandemic, it is the importance of investing in the best health insurance plans However, making a conscious decision is necessary when it comes to health insurance. Imagine a scenario, wherein you are hospitalized for a major ailment that is not covered under your health plan. It will directly result in hefty medical bills for the treatment and other prescriptions.

Niva Bupa Health Insurance, formerly Max Bupa Health Insurance, is a leading stand-alone health insurance provider in India.The health insurer offers a plethora of health plans, covering major ailments and diseases so you do not have to worry about the health of you and your loved ones.

In this article, we shed light on the diseases covered by Niva Bupa Health Insurance under the best health plans offered by the insurer. So, scroll further to learn more about it.

Niva Bupa Health Insurance Covered Disease List in 2024

Niva Bupa Health Insurance offers some comprehensive and beneficial health plans covering the following diseases:

  • COVID-19

    COVID-19 is a global pandemic that claimed over 5,00,000 lives in India. Niva Bupa Health Insurance Plans offer coverage against COVID-19 providing the best healthcare facilities available.
  • Hypertension and Diabetes

    Diabetes and hypertension are lifestyle diseases related to irregular blood sugar levels & blood flow respectively, leading to other major ailments if not treated correctly. Niva Bupa Health Insurance plans cover diabetes and hypertension extensively to support you through your recovery.
  • Cancer

    Cancer is a major ailment caused due to abnormal cell growth which can affect any organ of your body. Niva Bupa health insurance plans cover major cancers and provide you with financial backup for cancer treatments which can otherwise be out-of-budget.
  • Critical Illnesses

    Critical illnesses are life-threatening conditions that affect different parts of your body such as the heart, kidneys, lungs, liver, etc. With a Niva Bupa Critical Illness Health Plan, you and your family are covered against multiple critical ailments.
  • Cataract

    Causes blurry vision due to clouding of the eye lens mostly with growing age. The condition is curable through surgery which can be expensive without the apt Niva Bupa Health Insurance Plan covering cataract treatment.
  • Arthritis

    Usually affects elderly people, arthritis is the tenderness or swelling of one or more joints. Niva Bupa Health Insurance covers conditions like arthritis & other bone-related ailments.
  • Organ Transplant

    Organ transplants are suggested by doctors in case of life-threatening conditions. With the right Niva Bupa Health Plan, you can cover organ donor expenses which can otherwise drain your life savings pretty quickly.
  • HIV/AIDS

    HIV-AIDS is a virus that attacks the cells that help in fighting infection making a human more vulnerable to other diseases and infections. Niva Bupa Health Insurance Plans cover HIV/AIDS treatment after a specific waiting period.
  • Mental Health Ailments

    All medical conditions affecting the brain causing behavioral disorders or other major ailments are covered by Niva Bupa Health Insurance
  • Personal Accidents

    A remarkable lifetime renewal benefit is provided by Niva Bupa critical illness insurance which is a big plus for the customers. According to the specifics of the policy, this provision guarantees that people may keep renewing their insurance and have coverage in place for as long as they live unless and until any fraud or misrepresentation is discovered from the end of the policyholder.

Diseases That Are Not Covered By Niva Bupa Health Insurance Plans

Let’s take a look at the disease list that are not covered by Max Bupa (now Niva Bupa) Health Insurance:

  • Cosmetic or plastic surgeries excluding treatments required due to accidental injuries
  • Dental treatments, excluding terms and conditions varying as per different health plan
  • Attempt to suicide or self-injury
  • Injuries due to illegal or unlawful activities

Wrapping It Up

Niva Bupa Health Insurance is among the most versatile health insurance providers as it covers a vast list of diseases. The company has gained a large customer base for its reliability and quick claim settlement, thanks to its prompt customer support. Moreover, Niva Bupa provides thorough coverage to its customers with a vast list of disease coverage mentioned above in the article.

For further information on all Niva Bupa health insurance-covered disease lists, contact PolicyX insurance experts.

Network Hospital List

Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, ensures that you are medically secured, irrespective of the city you reside in.

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 crit...

Unique Features

  • Features and Benefits
  • Eligibility and Coverage
  • Need For Critical Illness Plans?

Niva Bupa Critical Illness (Pros)

Niva Bupa Critical Illness

Niva Bupa Critical Illness (Cons)

Niva Bupa Critical Illness

Niva Bupa Critical Illness (Other Benefits)

Niva Bupa Critical Illness

Niva Bupa Critical Illness (Eligibility Criteria)

Niva Bupa Critical Illness

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 Health Insurance Plan (Pros)

Niva Bupa Aspire Health Insurance Plan
  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Health Insurance Plan (Cons)

Niva Bupa Aspire Health Insurance Plan
  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Health Insurance Plan (Other Benefits)

Niva Bupa Aspire Health Insurance Plan
  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Health Insurance Plan (Eligibility Criteria)

Niva Bupa Aspire Health Insurance Plan
  • 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 Sanjeevan...

Unique Features

  • COVID-19 treatment coverage
  • Pre and post-hospitalisation cover
  • Lower co-pay on your claims

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • 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)

Arogya Sanjeevani Policy
  • Individual & family floater plan
  • Cashless claim settlement
  • Upto 2 Cr SI
  • Premiums are affordable

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • 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)

Niva Bupa Health Recharge
  • 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)

Niva Bupa Health Recharge
  • 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)

Niva Bupa Health Recharge
  • 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)

Niva Bupa Health Recharge
  • 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...

Unique Features

  • Personal accident coverage
  • Home health care cover
  • Early age AdvantAGE benefit

Niva Bupa GoActive (Pros)

Niva Bupa GoActive
  • Pharmacy and diagnostic services
  • Domiciliary hospitalisation
  • Personal accident benefits
  • Refill benefits
  • Daily health coaching

Niva Bupa GoActive (Cons)

Niva Bupa GoActive
  • 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)

Niva Bupa GoActive
  • 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)

Niva Bupa GoActive
  • 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)

Niva Bupa Super Saver Policy
  • Annual health check-up included
  • Pharmacy and diagnostic services included
  • Domiciliary treatment covered

Niva Bupa Super Saver Policy (Cons)

Niva Bupa Super Saver Policy
  • Investigation and evaluation not included
  • Any conflict or disaster not included
  • Maternity expenses is excluded

Niva Bupa Super Saver Policy (Other Benefits)

Niva Bupa Super Saver Policy
  • Lifetime renewability
  • Unlimited e-consultations
  • Cover for modern treatments

Niva Bupa Super Saver Policy (Eligibility Criteria)

Niva Bupa Super Saver Policy
  • 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)

Niva Bupa Money Saver Plan
  • 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)

Niva Bupa Money Saver Plan
  • 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

Niva Bupa Money Saver Plan (Eligibility Criteria)

Niva Bupa Money Saver Plan
  • 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)

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

Niva Bupa ReAssure Plan (Cons)

Niva Bupa ReAssure Plan
  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Niva Bupa ReAssure Plan (Other Benefits)

Niva Bupa ReAssure Plan
  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Niva Bupa ReAssure Plan (Eligibility Criteria)

Niva Bupa ReAssure Plan
  • 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)

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

Niva Health Companion (Cons)

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

Niva Health Companion (Other Benefits)

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

Niva Health Companion (Eligibility Criteria)

Niva Health Companion
  • 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 vari...

Unique Features

  • High Sum Insured
  • Lock Your Premiums
  • Booster+ Benefit

Niva Bupa Reassure 2.0 Health Plan (Pros)

Niva Bupa Reassure 2.0 Health Plan
  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Niva Bupa Reassure 2.0 Health Plan (Cons)

Niva Bupa Reassure 2.0 Health Plan
  • 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)

Niva Bupa Reassure 2.0 Health Plan
  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Niva Bupa Reassure 2.0 Health Plan (Eligibility Criteria)

Niva Bupa Reassure 2.0 Health Plan
  • 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)

Niva Bupa Health Premia Plan
  • 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)

Niva Bupa Health Premia Plan
  • 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)

Niva Bupa Health Premia Plan
  • 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)

Niva Bupa Health Premia Plan
  • 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)

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

Niva Bupa Health Pulse (Cons)

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

Niva Bupa Health Pulse (Other Benefits)

Niva Bupa Health Pulse
  • Operation Theatre Coverage
  • Modern Treatments
  • Personal Accident Cover
  • e-Consultation
  • Daily Hospital Cash

Niva Bupa Health Pulse (Eligibility Criteria)

Niva Bupa Health Pulse
  • 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)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • 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)

Niva Bupa Senior First Plan
  • 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 Benefit
  • Funeral Expenses Covered
  • Total and Partial Disability Covered

Niva Bupa Personal Accident Care Plan (Pros)

Niva Bupa Personal Accident Care Plan
  • Child education benefit
  • Funeral expenses covered
  • Total and partial disability covered

Niva Bupa Personal Accident Care Plan (Cons)

Niva Bupa Personal Accident Care Plan
  • Adventure sports not covered
  • No coverage for cosmetic procedures
  • Self-harm not covered

Niva Bupa Personal Accident Care Plan (Other Benefits)

Niva Bupa Personal Accident Care Plan
  • Lifetime renewability offered
  • Long-term discounts
  • High sum insured options

Niva Bupa Personal Accident Care Plan (Eligibility Criteria)

Niva Bupa Personal Accident Care Plan
  • 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 option
  • Check the Eligibility
  • Illustration of Sample Premium Rates

Niva Bupa Criti Care Plan (Pros)

Niva Bupa Criti Care Plan
  • 20 critical illnesses covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • DIrect claim settlement

Niva Bupa Criti Care Plan (Cons)

Niva Bupa Criti Care Plan
  • Accident death
  • No total disability cover
  • AIDS not covered
  • Child education benefit
  • Funeral expenses

Niva Bupa Criti Care Plan (Other Benefits)

Niva Bupa Criti Care Plan
  • Flexibility plan options
  • Surgeon fees covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic implants covered

Niva Bupa Criti Care Plan (Eligibility Criteria)

Niva Bupa Criti Care Plan
  • Min- 18 years
  • Max- 65 years

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Niva Bupa Health Insurance Covered Disease List: FAQs

1. What is the Niva Bupa health insurance covered diseases list?

There are several diseases covered by Niva Bupa Health Insurance such as: COVID-19 Hypertension Diabetes Cataract Arthritis Cancer, etc.

2. What is the incurred claim settlement ratio for Max Bupa (now Niva Bupa) Health Insurance?

The incurred claim settlement ratio for Niva Bupa Health Insurance for FY 2022-23 is 54.05%.

3. Does Niva Bupa’s covered disease list include critical illnesses?

Yes, health insurance plans offered by Niva Bupa cover listed critical illnesses as mentioned in policy schedules.

4. How to file a cashless online claim for Niva Bupa Health Insurance Plans?

Follow the steps given below for a hassle-free online cashless claim settlement: Get admitted to a Niva Bupa cashless network hospital Submit your health insurance card provided to you by Niva Bupa Health Insurance along with identification proof The network hospital will verify all the documents provided by you and submit a pre-authorization request to Niva Bupa Once the verification is done, Niva Bupa will settle the claim with the network hospital and notify you of the same

5. Does Niva Bupa Health Insurance cover Cancer?

Yes, cancer is covered by Niva Bupa Health Insurance plans

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.