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All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance
Niva Bupa Health Premia Plan
Niva Bupa Health Premia is a comprehensive health insurance plan that ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
94.4%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,747 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 94.4% claim settlement
About Niva Bupa Health Premia Plan
A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.
Health Premia is a health insurance plan that covers hospitalization expenses along with key medical needs like pre and post-treatment costs, daycare procedures, and emergency care. It also offers higher sum insured options and added benefits like restoration of coverage and global treatment support, making it suitable for both individual and family protection.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹30 L, ₹50 L, ₹1 L, ₹2 L, ₹3 L
Waiting period
30 days
Renewability
Lifetime
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Refill benefit for any illness
- 10% Loyalty Additions to Sum Insured
- Tenure Discounts of up to 15%
- Worldwide Maternity Benefits
- Inpatient care
Cons
- No OPD Coverage
- No HIV/AIDS Coverage
- 20% co-payment
- Pre-existing Diseases covered after 2 years
- Treatment for Alcoholism (excluded)
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Not covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Niva Bupa Health Insurance Plan Detailed Review
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, strokes, etc. Additional coverage is provided as a lump sum amount upon first diagnosis of any of the illnesses.Daily Hospital Cash Benefit
This plan provides a daily lump sum amount in case of hospitalization and covers miscellaneous expenses incurred during hospitalization.Personal Accident Cover
Using this optional cover, a lump sum amount is paid in case of accidental death or permanent partial disability. Anyone aged 18 years or above can opt for this cover.Health Coach
The Niva Bupa Health Coach App helps track health parameters such as calorie intake and BMI daily.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Inpatient hospitalization expenses
- Pre and post-hospitalization cover
- Daycare treatments
- Ambulance charges
- AYUSH treatment
- Organ donor expenses
- Maternity and newborn cover (as per plan variant)
- Optional global treatment coverage
- Restoration of sum insured
- No claim bonus benefits
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 for the Niva Bupa Health Premia Plan include:
- Hazardous activities
- Sexually Transmitted Infections and Diseases
- Unlawful activity
- Suicidal death claims
- External Congenital Anomaly
- Self-inflicted injuries
- 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
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 18 Years
- Max Entry Age: 65 Years
- Sum Insured: ₹3 Lakh to ₹1 Crore
- Waiting Period: 30 Days
Other features & benefits
- Zonal Coverage
- Pharmacy and Diagnostic Services
- Optional Add-on Features
- Living Organ Donor Benefit
- Premium Waiver and Portability
Niva Bupa Health Premia Plan: FAQs
The 5 most-asked questions about Niva Bupa Health Premia Plan, answered.
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.
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.
Yes. Various add-on benefits are available under this plan such as personal accident cover, critical illness cover, health coach, hospital cash, etc.
Niva Bupa settles all the required claims in 30 minutes that helps your loved ones in case of hard times.
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.
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