Niva Bupa Health Premia Plan

Niva Bupa Health Premia is a comprehensive health insurance ...Read More

Network hospital

10263+

Network hospitals

Claim settlement ratio

100%

Claim settlement ratio

Sum Insured

Up to 1 Cr

Sum insured

No of Plans

1

No. of Plans

Solvency Ratio

1.7

Solvency Ratio

Pan India Presence

320+

Pan India Presence

Google Ratings (2500+)

11+ Years

IRDAI Approved

5M+

Quotes Generated

100K+

Happy Customers

PolicyX is one of India's leading digital insurance platform

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select members you want to insure

Google Ratings (2500+)

11+ Years

IRDAI Approved

5M+

Quotes Generated

100K+

Happy Customers

PolicyX is one of India's leading digital insurance platform

PolicyX Exclusive Benefits

No Spam

No Spam
No Gimmicks

Advice

Personalised
Insurance Advice

Support

24×7
Claim Assistance

Simran saxena
Written By:
Simran

Simran saxena

Health and Term Insurance

Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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Reviewed By:
Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Updated on Jul 29, 2025 4 min read

Niva Bupa Health Premia Plan

Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their family. The plan offers wide coverage from maternity and newborn baby cover to emergency medical treatments across the globe. Moreover, the plan allows customization with its 3 available variants. Along with this, the plan comes with several standout features such as the Premium waiver option, Loyalty Additions, Refill Benefits, and many more.

Niva Bupa Health Insurance Detailed Review

Niva Bupa Health Premia Plan

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Niva Bupa Health Premia Plan Specifications

To understand Niva Bupa Health Premia Plan Insurance in detail, take a look at the below table:

Entry Age

18 - 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

3L | 7L | 8L | 9L | 10L | 11L | 14L | 15L | 30L | 50 L | 1 Cr | 2 Cr | 3 Cr

Initial Waiting Period*

30 Days

Renewability

NA

Policy Term

1 & 2 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your Niva Bupa Health Premia Plan

With wide coverage options available, Niva Bupa Health Premia Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Not Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Covered

Limitations

Co-payment

Not Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Niva Bupa Health Premia Additional Benefits

  • Critical Illness Cover

    Niva Bupa Health Premia Plan provides enhanced protection coverage against 20 critical illnesses such as Heart surgery, Cancer, Kidney failure, Heart strokes, etc. Additional coverage is provided as a lump sum amount upon the first diagnosis of any of the illnesses.

  • Daily Hospital Cash Benefits

    This plan provides a lump sum amount daily in case of hospitalization and covers miscellaneous expenses incurred during hospitalization.

  • Personal Cover For Accidents

    Using this optional cover, a lump sum amount is paid in case of permanent and partial disability or accidental death. Anyone from the family can opt for this cover who is aged 18 years or above.

  • Health Guide

    Niva Bupa Health Coach App helps track your health parameters such as calorie intake, and BMI, on a daily basis.

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Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 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 Network Hospital

Niva Bupa Health Premia Sample Premium Illustration

Take a look at the below-given sample premium illustrations under different variants and with growing age for an SI of 10L.

For Silver Variant

Age Premiums for Individuals Premiums for Family Plan
30 12,274 29,509
40 16,953 33,447
50 27,750 49,532

For Gold Variant

Age Premiums for Individuals Premiums for Family Plan
30 16,436 40,336
40 22,081 45,143
50 35,708 64,935

For Platinum Variant

Age Premiums for Individuals Premiums for Family Plan
30 52,391 1,19,697
40 63,627 1,29,847
50 93,994 1,74,752

Niva Bupa Health Premia Plan Exclusions

Every Health Insurance plan has a set of services that are excluded from its list of plan benefits. Take a look at the below exclusions of the Niva Bupa Health Premia Plan:

Permanent Exclusions

Permanent diseases or health conditions that are not included under ICICI Lombard Complete Health are:

Hazardous activities

Sexually Transmitted Infections and Diseases

Unlawful activity

Suicidal death claims

External Congenital Anomaly

Self-inflicted injuries

Coverage after Waiting Period

Certain diseases and treatments are covered under the Niva Bupa Health Premia Insurance plan after a certain period. Read the details below:

Specific ailments after 12 Months

Pre-existing diseases after 24 Months

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:

Individual and Family Health Insurance

Niva Bupa Rise Plan

Niva Bupa Rise Plan

The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designed for the m...

Unique Features

  • Affordable premiums
  • Add-on coverage
  • Flexi-pay benefit

Niva Bupa Rise Plan (Pros)

Niva Bupa Rise Plan
  • Modern treatment covered
  • Unlimited digital consultation
  • Smart Cash
  • Loyalty bonus

Niva Bupa Rise Plan (Cons)

Niva Bupa Rise Plan
  • Investigation and Evaluation
  • Rest Cure; rehabilitation and respite care
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports

Niva Bupa Rise Plan (Other Benefits)

Niva Bupa Rise Plan
  • No limit on room rent
  • Rise tierd network
  • Digital consultation

Niva Bupa Rise Plan (Eligibility Criteria)

Niva Bupa Rise Plan
  • Entry age - 18 years
  • Max entry age - No age limit
  • SI - INR 5L to 1 Cr
  • Waiting Period - 30 days

Group Health Insurance

Niva Bupa Group Health Insurance

Niva Bupa Group Health Insurance

Max Bupa Health Insurance rebranded itself to Niva Bupa Health Insurance on July 5th, 2021. With this change, the insurer introduced multiple new heal...

Unique Features

  • Explore Niva Bupa Group Plans
  • Niva Bupa Tax Benefits
  • Niva Bupa Eligibility

Niva Bupa Group Health Insurance (Pros)

Niva Bupa Group Health Insurance

Niva Bupa Group Health Insurance (Cons)

Niva Bupa Group Health Insurance

Niva Bupa Group Health Insurance (Other Benefits)

Niva Bupa Group Health Insurance

Niva Bupa Group Health Insurance (Eligibility Criteria)

Niva Bupa Group Health Insurance

Critical Illness Health Insurance

Niva Bupa Criti Care Plan

Niva Bupa Criti Care Plan

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
  • Eligibility
  • Sample Premium

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

Individual and Family Health Insurance

Personal Accident Care Plan

Personal Accident Care Plan

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
  • Funeral Expenses Cover
  • TTD/PTD Cover

Personal Accident Care Plan (Pros)

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

Personal Accident Care Plan (Cons)

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

Personal Accident Care Plan (Other Benefits)

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

Personal Accident Care Plan (Eligibility Criteria)

Personal Accident Care Plan
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • SI - 5 L - 5 Cr
  • Initial Waiting Period - 30 Days

Senior Citizen Health Insurance

Niva Bupa Senior First Plan

Niva Bupa Senior First Plan

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 Health Pulse

Niva Bupa Health Pulse

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

Individual and Family Health Insurance

Niva Bupa Health Premia Plan

Niva Bupa Health Premia Plan

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

Niva Bupa Reassure 2.0 Health Plan

Niva Bupa Reassure 2.0 Health Plan

Nothing Seems Impossible A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the various fu...

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 Health Companion

Niva Health Companion

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

Niva Bupa ReAssure Plan

Niva Bupa ReAssure Plan

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

Niva Bupa Money Saver Plan

Niva Bupa Money Saver Plan

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

Niva Bupa Super Saver Policy

Niva Bupa Super Saver Policy

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 GoActive

Niva Bupa GoActive

Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs. There could be several incidences that lead us t...

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

Top Up and Super Top Up

Niva Bupa Health Recharge

Niva Bupa Health Recharge

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

Niva Bupa Arogya Sanjeevani Policy

Niva Bupa Arogya Sanjeevani Policy

With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is...

Unique Features

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

Niva Bupa Arogya Sanjeevani Policy (Pros)

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

Niva Bupa Arogya Sanjeevani Policy (Cons)

Niva Bupa Arogya Sanjeevani Policy
  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available

Niva Bupa Arogya Sanjeevani Policy (Other Benefits)

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

Niva Bupa Arogya Sanjeevani Policy (Eligibility Criteria)

Niva Bupa 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

Individual and Family Health Insurance

Niva Bupa Aspire Plan

Niva Bupa Aspire Plan

"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 Plan (Pros)

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

Niva Bupa Aspire Plan (Cons)

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

Niva Bupa Aspire Plan (Other Benefits)

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

Niva Bupa Aspire Plan (Eligibility Criteria)

Niva Bupa Aspire Plan
  • Entry age - 18 years
  • Max entry age - No age limit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Critical Illness Health Insurance

Niva Bupa Critical Illness

Niva Bupa Critical Illness

Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical i...

Unique Features

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

Niva Bupa Critical Illness (Pros)

Niva Bupa Critical Illness
  • Covers 20 critical illness
  • Accident care benefits
  • Direct claim settlement

Niva Bupa Critical Illness (Cons)

Niva Bupa Critical Illness
  • Cosmetic procedures not covered
  • Self-harm not covered
  • Obesity-related treatments not covered

Niva Bupa Critical Illness (Other Benefits)

Niva Bupa Critical Illness
  • Cataract treatments
  • Domestic emergency evacuation
  • Compassionate travel

Niva Bupa Critical Illness (Eligibility Criteria)

Niva Bupa Critical Illness
  • Entry age: 18 - 65 Years
  • SI: 5 L - 5 Cr
  • Policy Term: 1/2/3 Years
  • Initial Waiting Period: 90 Days

Health Insurance Premium Calculator

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Niva Bupa Health Premia Plan: FAQs

1. Are Maternity and Newborn babies covered under this plan?

Yes. Maternity and Newborn baby coverage are available under the Niva Bupa Health Premia Plan. You can utilize the coverage after serving the waiting period. The limit for the coverage varies as per their variants.

2. Does this plan offer any discounts to its insurers?

Yes, this plan offers various discounts. If you pay for a 2-year policy then you are eligible to get a discount of 7.5% on the premium of the second-year policy.

3. Can I get an optional benefit offered under this Niva Bupa Health Premia Plan?

Yes. Various add-on benefits are available under this plan such as personal accident cover, critical illness cover, health coach, hospital cash, etc.

4. How much time does it take to process the claim settlement under this plan?

Niva Bupa settles all the required claims in 30 minutes that helps your loved ones in case of hard times.

5. What does Health Premia Premium Waiver Benefit Means? Can I avail this benefit in Health Premia Silver Variant?

Under this benefit, if the policyholder passes away or is diagnosed with any of the specified illnesses, then the beneficiary will get a free extension of 1 year. The benefit is available under all three variants of the plan.

Explore Niva Bupa Health Insurance

Niva Bupa Senior Citizen Plan

Niva Bupa Senior Citizen Plan

Niva Bupa Claim Process

Niva Bupa Claim Process

Niva Bupa Health Benefits

Niva Bupa Health Benefits

Niva Bupa Free Annual Health Checkup

Niva Bupa Free Annual Health Checkup

Niva Bupa Policy Cancellation

Niva Bupa Policy Cancellation

Diseases Covered By Niva Bupa Health Insurance

Diseases Covered By Niva Bupa Health Insurance

Niva Bupa Customer Care

Niva Bupa Customer Care

Niva Bupa Health Insurance Policy for Parents

Niva Bupa Health Insurance Policy for Parents

Niva Bupa Incurred Claim Ratio

Niva Bupa Incurred Claim Ratio

Niva Bupa Premium Calculator

Niva Bupa Premium Calculator

Niva Bupa Health Insurance Renewal

Niva Bupa Health Insurance Renewal

Niva Bupa Claim Settlement Ratio

Niva Bupa Claim Settlement Ratio

Niva Bupa Health Policy Download

Niva Bupa Health Policy Download

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Simran saxena

Written By: Simran Saxena

Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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