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
All accidental injuries that further cause medical complications are covered by the Niva Bupa Health Insurance Plan
Niva Bupa Health Insurance Plans
Now that we have the list of diseases covered by Niva Bupa Health Insurance Plans, let us look at all the health insurance plans offered by this trusted insurer.
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
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
- Funeral Expenses
- Accidental OPD
- Adventure Sports Cover
- Elderly Care Cover
- Burns Cover
- 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
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
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
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.
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.
Explore Niva Bupa Health Insurance
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