Niva Bupa Insurance for Parents
  • Health insurance for parents
  • Benefits of parents’ insurance
  • Claim Niva Bupa parents’ policy
Niva Bupa Health Insurance

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Sum insured

Up to 3 CR


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Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 3 CR


No. of Plans



Solvency Ratio



Pan India Presence


Recognized By Niva is a Recognised Niva Bupa Partner View Certificate

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Secure Your Parents with Niva Bupa Health Insurance

Niva Bupa health insurance for parents is a must-needed insurance investment to secure the peace of mind and healthcare interests of your parents. It will help them spend the rest of their lives with extended coverage like regular health check-ups, daycare treatments, personal coaching to relish a healthy lifestyle, round-the-clock medical assistance, and much more.

Most importantly, Niva Bupa's parents health insurance comes with a varied sum insured coverage of a whopping INR 1, 2, 3 Crores and above. Also, with the family floater plans of Niva Bupa health insurance, you get coverage for modern medical treatments, advanced surgeries, and so on. Read further about why you should buy a health insurance policy for your elderly parents, what are the eligibility criteria, and some of the best Niva Bupa health plans for parents.

Benefits of Niva Bupa Health Insurance for Parents

Are you getting stuck on why you need health insurance for your parents? Know more about how getting health insurance for your parents will impact their health in a good way:

  • Healthcare Coverage

    Your parents will receive comprehensive care with pre and post-hospitalisation, domiciliary treatment, daycare procedures, diagnostic tests, health check-ups, emergency ambulance, and furthermore.
  • Peace of Mind

    You can rest assured that your parents are safeguarded without making any extra effort, as their insurance policy will cover all their healthcare requirements. They can get extended medical care with health insurance, even after their retirement.
  • Financial Safety

    You need not be worried about financial lagging or any insecurity related to losing your money on medical expenses. The insurer will take care of any healthcare assistance that your parents require.
  • Tax Benefits

    You can get your parent’s health secured with a health insurance policy. Along with this, you can avail of a tax exemption benefit over your payable taxes under Section 80 D of the Income Tax Act, 1961.

Best Niva Bupa Health Insurance Plans for Parents

Check out some of the best health insurance plans for your parents offered by Niva Bupa

  • Niva Bupa Senior First (for senior citizens)
  • Niva Bupa ReAssure 2.0
  • Niva Bupa GoActive
  • Niva Bupa Health Premia
  • Niva Bupa Aspire

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

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

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

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

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

Note:- These plans come with a family floater option that secures health interest for you and your family (including parents)

Distinct Features of Niva Bupa Health Insurance for Parents

Niva Bupa health insurance company (formerly Max Bupa) provide several other kinds of health policies for parents, that you can buy for them and secure their healthcare interests. Read below the features of Niva Bupa health insurance for parents:

  • Hospitalisation Cover

    Choose a health plan that provides financial security with hospitalisation expenses before and after getting hospitalised for treatment.
  • Daycare Operations

    Health insurance that is good for your parents will cover their daycare treatment expenses like varicose veins, and cataract surgery, which require hospitalisation for less than 24 hours. Choose a plan that provides more daycare procedures within the base policy (or, with an optional cover).
  • Covers Alternative Treatment

    Niva Bupa health insurance for parents covers AYUSH (Ayurveda, Yoga therapy, Unani, Siddha, and Homeopathy) treatment as well, which makes sure they’re attended well with a therapeutic health need.
  • Pre-existing Conditions (PEDs)

    Your health insurance can cover PED conditions such as diabetes, heart disease, dialysis, and others. Given that, you buy the best health insurance plan that covers PEDs with a shorter waiting period.
  • Major conditions

    Significant medical treatment including open heart surgeries, cancer-related treatment, and bariatric surgeries can be covered within the policy inclusions (if optional covers, add-ons, and base health policy are paired the right way).
  • Renewability

    Niva Bupa parents health insurance provides lifelong renewability with health plans like ReAssure 2.0, Health Premia, GoActive, and others. Getting a health policy with lifelong renewability ensures extended medical care for your parents for years to come.
  • All-time Customer Support

    Niva Bupa health insurance customer care executives are always up for assistance of any kind. You or your parents can call their toll-free customer care number 1800 500 8888 round the clock or raise an immediate query at

Eligibility Criteria for Niva Bupa Parents Health Insurance

Read here the eligibility criteria for buying Niva Bupa health insurance for parents:-

Entry age (Max) Below 60 years (There’s no bar for the maximum age limit but parents who have passed 60 years of age are eligible to buy senior citizen plans)
Policyholder’s age 18 years (the policyholder must be eligible to buy health insurance for their parents)
Pre-existing conditions PEDs are covered after a waiting period

The maximum entry age may vary from plan to plan. The accurate eligibility criteria are subject to your policy document.

Inclusions (optional) of Niva Bupa Health Insurance for Parents

There are several plans of the Niva Bupa health insurance for parents that come with exclusive coverage benefits such as:

In-patient hospitalisation

Out-patient hospitalisation

Daycare procedures

Domiciliary or home care treatment

Room rent

ICU charges

OT charges

Doctor’s visit

Annual/preventive health check-up

Exclusions of Niva Bupa Health Insurance for Parents

Exclusions of Niva Bupa health insurance for parents may vary from plan to plan, so you must check it in the policy document. However, here are some of the standard exclusions (what’s not covered) under the same have been given for reference:

Cosmetic/ beautification treatment

HIV/AIDS, and STD conditions

Attempt to suicide or self-threat

Diagnostic tests (except, those specified in your policy document)

War injuries, participation in riots/war-like situations, etc

Hearing aids (unless specified in your policy documents)

Vision treatment, dental care, physiotherapy, etc (except, conditions mentioned in the policy)

Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company

How to Claim Niva Bupa Parents Health Insurance

Learn here the steps of claiming your Niva Bupa health insurance for parents:

  • Step 1: Claim Intimation

    Inform your TPA of Niva Bupa health insurance if you have a planned hospitalisation condition. However, in case of an emergency hospitalisation, you must inform the insurer within 24 hours of getting hospitalized.

  • Step 2: Document Submission

    Submit the carefully filled and undersigned claim form along with the policy documents and other details like medical reports, doctor’s prescriptions, hospital bills, discharge summary (in case of reimbursement) and others.

  • Step 3: Approval upon Verification

    If all the details sent by you are found correct and align with the policy coverage, the insurer will initiate the claim settlement procedure to verify the authenticity of your claim.

  • Step 4: Cashless or Reimbursement Settlement

    If you have received the treatment at a networking hospital, the insurer will settle all the medical bills with the hospital directly. In the case of getting treatment in a non-networking hospital, your insurer will reimburse your medical bills as per the terms of the policy.


Buying a suitable Niva Bupa health insurance policy for your parents will save you and your parents from any future complications. It’s better to invest in a health policy that serves all the family members under a single policy, including your parents. It’s always a wise decision to buy health insurance that comes with a sum insured option of a minimum of INR 1 Crore or above.

To buy a family floater plan, or a senior citizen health insurance plan (if the age of your parents exceeds 60 years) from Niva Bupa, connect with the experts of Dial 1800 4200 269 or send an email to

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.

Niva Bupa Health Insurance for Parents: FAQ's

1. Can I add my parents to my existing health insurance policy?

Yes, If you have a family floater policy, you can add your parents in the same.

2. What is the maximum age limit for buying health insurance for parents in India?

There is no maximum age limit for buying health insurance. Generally, the maximum age limit for your parent’s health insurance is 60-65 years in India.

3. Is critical illness covered in Niva Bupa health insurance for parents?

Yes, various plans under Niva Bupa’s health insurance for parents cover listed critical illnesses. To know more, contact the customer care executives at

4. Which company has the best parents health insurance plans?

Niva Bupa health insurance is one of the best companies to provide parents with health insurance policies.

Other Health Insurance Companies

Compare Niva Bupa health insurance plans with other insurers in India.

Read Reviews & Ratings

Customer Review Image

Samiksha Sharma


May 10, 2024

When I was sarching for an ideal maternity health plan, PolicyX insurance agents suggested me Niva Bupa Aspire and I am more than satisfied with its multiple features for women

Customer Review Image

Raghoba Phadke


April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

Customer Review Image

Akshat R Verma


April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

Customer Review Image

Akash Banerjee


April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

Customer Review Image

Sarthak Parmal


April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

Customer Review Image

Trishna Rohilla


April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

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Sunaina Khanna


April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

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Babita Thapa


April 8, 2024

I had some reimbursement claim queries related to the Niva Bupa Aspire policy, the customer support team of PolicyX understood my requirement and they stood by me to get the claim.

View All Niva Bupa Health Insurance Reviews

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.