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Niva Bupa Health Insurance for Maternity

What Is Niva Bupa Maternity Plan
Avail Plan Benefits
Who Can Buy This Maternity Plan

Network hospitals

10,372

Incurred claim ratio

54.05%

Sum insured

Up to 3 CR

No. of Plans

16

Solvency Ratio

1.7

Pan India Presence

200+

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

10,372

Incurred claim ratio

54.05%

Sum insured

Up to 3 CR

No. of Plans

16

Solvency Ratio

1.7

Pan India Presence

200+

Recognized By Niva Bupa PolicyX.com is a Recognised Niva Bupa Partner View Certificate

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Niva Bupa Health Insurance for Maternity

Niva Bupa Maternity Insurance is especially designed to provide comprehensive coverage for expecting mothers and their newborns. The inclusive maternity plans offered by Niva Bupa include both normal and cesarean deliveries along with the post delivery complications. Since maternity costs are sky-rocketing it has become essential to buy insurance for new mothers and borns.

Maternity Plans Offered by Niva Bupa

NivaBupa Health Premia

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

NivaBupa Heart Beat

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

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Key Features of Niva Bupa Maternity Insurance

Cashless Hospitalization
Niva Bupa has a vast network of hospitals where policyholders can avail of cashless deliveries be it normal or C-section.
Waiting Period
Niva Bupa Maternity Plans come with a waiting period of 1 to 3 years. Therefore, it is advised that you buy a maternity plan as early as you plan a child.
No-Claim Bonus
For every claim free year, you can get a no claim bonus added to your sum assured.
Prompt Claim Settlement
Niva Bupa settles its maternity insurance claims as early as possible to help the new mothers go through seamless deliveries.

Benefits of Niva Bupa Maternity Plan

Niva Bupa maternity insurance plans come with the following benefits:

Maternity Expenses Coverage
The policy covers various expenses related to maternity, including prenatal care, hospitalization, delivery charges, and postnatal care.
Newborn Baby Coverage
The insurance policy also provides coverage for medical expenses incurred by the newborn baby during the specified period.
Pre and Postnatal Consultations
Niva Bupa Health Insurance for Maternity covers the expenses of pre and postnatal consultations, ensuring regular check-ups for the mother's well-being.
Diagnostic Tests
The policy includes coverage for necessary diagnostic tests during pregnancy, such as ultrasounds and blood tests.
Ambulance Services
It provides coverage for emergency ambulance services, ensuring safe transportation in case of any complications.
Room Rent Allowance
The maternity plans offer room rent allowances, enabling the expectant mother to choose comfortable accommodation during her hospital stay.
No-Claim Bonus
Niva Bupa rewards policyholders with a no-claim bonus for every claim-free year, which can be used to avail of additional benefits or reduce future premium payments.

Who Can Buy Niva Bupa Maternity Insurance

Confused if you should buy a Niva Bupa maternity insurance? Read on to find out.

Couples planning for a child
If you are planning to start a new family with your partner Niva Bupa maternity insurance can help cover the costs associated with prenatal care, childbirth, and postnatal care.
Expectant mothers
If you are already pregnant and do not have any existing health insurance that covers maternity expenses, it can help ensure that your medical costs during pregnancy and childbirth are covered.
Person with limited maternity coverage
Some health insurance plans may offer limited or minimal coverage for maternity-related expenses. In such cases, purchasing additional maternity health insurance can provide more comprehensive coverage for prenatal care, delivery, and postnatal care.
Self-employed Person
It helps cover the expenses related to prenatal care, delivery, and postnatal care, providing financial protection during this important period and hence provide a peace of mind
High-risk Pregnancies
If you have a risky pregnancy due to any factors,Niva Bupa pregnancy cover can help cover the additional medical expenses and specialized care required during pregnancy, delivery, and postnatal care.

Niva Bupa Pregnancy Cover Inclusions

Pre and postnatal consultations and Diagnostics.
Hospitalization expenses for delivery, including c-section.
Ambulance services for emergencies related to maternity.
Room rent allowance during a hospital stay.
Newborn baby coverage for medical expenses.
Coverage for postnatal complications (if included in the plan).

Niva Bupa Maternity Plans Exclusions

Expenses related to infertility treatments or assisted reproductive technologies.
Maternity expenses incurred during the waiting period.
Expenses related to voluntary termination of pregnancy.
Congenital diseases or abnormalities of the newborn baby.
Any pre-existing conditions of the mother or baby.

Explore Other Plans by Niva Bupa Health Insurance

Niva Bupa Health Insurance Company offers several tailored health plans, which are designed to serve you in the best way. Take a look

Comprehensive

Nivabupa Health Reassure Plan

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

Niva Bupa Health Companion V2022

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

Affordable

NivaBupa Health Pulse

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

NivaBupa GoActive

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

Affordable

NivaBupa Super Saver

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

Top-up plan

NivaBupa Health Recharge

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

NivaBupa CritiCare

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

NivaBupa AccidentCare

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

AccidentCare (Pros)

Funeral Expenses
Accidental OPD
Adventure Sports Cover
Elderly Care Cover
Burns Cover

AccidentCare (Cons)

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

NivaBupa Money Saver

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

Senior Citizen

NivaBupa Senior First

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

Comprehensive Plan

Niva Bupa Health ReAssure 2.0 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

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

Niva Bupa Corona Kavach

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

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

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Niva Bupa Maternity Insurance : FAQ

1. Can I purchase Niva Bupa maternity insurance if I'm already pregnant?

The waiting period in both the maternity plans offered by Niva Bupa is 24 months. So, it is advised that you buy maternity insurance before you plan pregnancy.

2. Is infertility treatment covered under Niva Bupa maternity insurance?

No, expenses related to infertility treatments or assisted reproductive technologies are generally not covered.

3. Does Niva Bupa maternity insurance cover congenital diseases of the newborn?

Generally, congenital diseases or abnormalities of the newborn baby are excluded from coverage.

4. Can I avail of a no-claim bonus with Niva Bupa maternity insurance?

Yes, Niva Bupa offers a no-claim bonus for every claim-free year, which can be used for additional benefits or premium reductions.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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