Anshika Ojha is a content writer with more than 2 years of experience and holds expertise across various formats of content. She focuses on simplifying health insurance jargon and making it easy for readers to understand.
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 Feb 04, 2026 6 min read
How do I Cancel my Niva Bupa Health Insurance?
Thinking of dropping your health policy? Read this article for more information on Niva Bupa policy cancellation.
The reason? You will no longer be financially covered against medical care expenses during an emergency or any planned treatment. Additionally, you might lose all your financial savings in a medical emergency, be it on hospitalization, treatment procedures, doctor’s consultations, and so on.
According to the administrative rule, a customer is always free to make or break a decision of theirs. There could be several reasons for niva bupa policy cancellation, which has probably led you to this page. So, we’re here to give you the right information and support.
This page discusses everything you need to know about Niva Bupa policy cancellation refund, how to cancel Niva Bupa health insurance, all the important points to consider while canceling your health insurance, and more.
How to Cancel Niva Bupa Health Insurance?
If you want to know how to cancel Niva bupa policy, follow these steps:
Go to the ’Policy related’ section of Niva Bupa Health Insurance
Click on the tab ’cancel policy’ > free look period/mid-term
Enter the registered mobile number followed by the OTP received on the same number
Select the name of your policy and click/write down the reasons for cancellation
’Proceed’ and you’ll receive an email or SMS on initiation regarding the cancellation of your policy
Benefits of Niva Bupa Policy Cancellation During Free-look Period
Review Your Policy
Cancellation during the free-look period gives you time to thoroughly read all the terms and conditions related to your coverage. Furthermore, you can raise your concerns to the insurer that you are facing.
Make The Changes You Need
Make changes as per your needs. If you feel you no longer require this policy, or you’re not able to afford the premiums, or you have got any other insurance plans that are more likely to fulfil your expectations and suitability than the current one. You can proceed with policy cancellation taking any of these concerns into consideration.
Play Safe with No Financial Loss
Cancelling your Niva Bupa health insurance during the free look period ensures that you get 100% refunds of all the premiums paid against your policy (after only selective deductions from the refund percentage, as per the policy schedule).
Protection of Consumer Rights
The free look period elevates customer rights protection by providing them time to understand all the related terms and conditions of their policy. This is beneficial for those as well (mainly for senior policyholders and individuals with any kind of disability) who are not capable of reading or deciding the suitability of their policy’s terms.
Live Worry-free
For a long-term financial goal, this is crucially important to make the right decisions before fully investing in a policy. A free look period helps you emphasize what you want and what are you getting in return from an insurer. Hence, securing your mental peace and saving you from the stress of a big loss.
What To Do During The Free Look Period?
Don’t get overwhelmed by the external influence, instead relax and go through the free-look process calmly. Here’s what you need to do during the free look period:
Compare similar-level policies from different companies
Read your policy documents carefully and thoroughly
Decide to either keep or switch the insurance company
Take action at a fast pace, as you only get 15 days of the free-look period
Keep all the records handy about your policy commencement
Deductions On Refund For Niva Bupa Health Insurance Cancellation
All the deductions on your premium refund will be categorized on the following basis:
Administrative charges and stamp duty
Medical expenses that are borne by the insurer on pre-policy medical check-ups
The pro-rated risks related to paid premiums during a policy period (till the time the policyholder is covered)
Percentage Of Niva Bupa Policy Cancellation Refund
This table shows how the deductions are applicable against the cancellation of the Niva Bupa health policy after the free look period:
Policy Tenure
1 Year
2 Year
3 Year
Policy in force (up to)
Percentage of refund (premium)
Policy in force (up to)
Percentage of refund (premium)
Policy in force (up to)
Percentage of refund (premium)
Up to 30 days
75%
Up to 30 days
87.5%
Up to 30 days
90%
31 to 90 days
50%
31 to 90 days
75%
31 to 90 days
87.5%
91 to 180 days
25%
91 to 180 days
62.5%
91 to 180 days
75%
Above 180 days
0% or Nil
181 to 365 days
50%
181 to 365 days
60%
366 to 455 days
25%
366 to 455 days
50%
456 to 545 days
12%
456 to 545 days
25%
Above 545 days
0% or Nil
545 to 720 days
12%
Above 720 days
0% or Nil
You can also track your Niva Bupa policy cancellation refund status easily. Once you submit a cancellation request, the company updates you through SMS or email, and you can also check the status by logging into your Niva Bupa online account or contacting their customer care at 1860-500-8888.
Source:- This table is about Niva Bupa’s Aspire and Reassure 2.0 plans. However, it may vary from plan to plan, henceforth the policyholder is responsible for getting all the information from their specific policy wordings.
Note:- The table of policy refunds on cancellation is subject to only annual/yearly/one-time premium payments made against the policy. Does not apply to quarterly, half-yearly, or/and monthly premiums. The percentage of refunds may also be subject to variability according to market change.
Ask These Questions Before Considering Niva Bupa Health Insurance Cancellation
Here are some of the important aspects that you must consider before initiating the cancellation of your Niva Bupa health insurance:
What are the reasons for policy cancellation?
Are you getting the portability benefit somewhere else?
Are you getting more affordable premiums with another insurer?
Do you have enough financial backup to beat medical/healthcare inflation?
Do you have another insurance policy to cover up any discrepancies?
If you have a family history of any medical issues, then is it safe to lose health insurance?
Are you responsible for other dependants of your family members in terms of their well-being?
Are you ready to suffer with the deductions on refund on the overall premiums that you’ve paid (if you’ve crossed the free look period)?
Note:- If the policyholder does not initiate cancelling the policy during the given 15-day free look period, they can wait till the grace period of 30 days with their policy. Once, you’ve surpassed the grace period of your policy and haven’t made any payment of policy premiums, the policy stands out as cancelled.
Takeaway: When Should I Cancel My Health Insurance?
Here are some useful tips that you must not forget to read:
After the free look period of the policy, there will be specific deductions in the refund
Yes, you get your money back after cancelling the policy (condition - you must read the rate % in your policy wordings)
You cannot get a full refund once you’ve completed the free look period
You can only get a 100% refund of all the premiums within 15 days of the Niva Bupa health insurance plan purchase
Different plans have different percentages of deductions and refunds, that you must clarify from your insurer.
Are you still curious and searching for further information about cancelling your health insurance?
Don’t worry, read all other aspects of health policy cancellation here. You can also reach out to the expert advisors of PolicyX.com to resolve your queries on 1800 4200 269.
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.
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:
The Niva Bupa ReAssure 3.0 health plan has made it easier than ever to guarantee lifetime protection for you and your family, with a coverage limit of...
The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designed for the m...
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)
10000+ network hospitals
Customizable group plans
No pre-policy check-up
Niva Bupa Group Health Insurance (Cons)
Limited infertility cover
No war-related claims
Abortion not covered
Niva Bupa Group Health Insurance (Other
Benefits)
Tax savings (80D)
Maternity and newborn cover
Annual health check-ups
Unlimited doctor consults
Niva Bupa Group Health Insurance (Eligibility
Criteria)
CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses!
The critical illness can be contagi...
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)
Child education benefit
Funeral expenses covered
Total and partial disability covered
Personal Accident Care Plan (Cons)
Adventure sports not covered
No coverage for cosmetic procedures
Self-harm not covered
Personal Accident Care Plan (Other
Benefits)
Lifetime renewability offered
Long-term discounts
High sum insured options
Personal Accident Care Plan (Eligibility
Criteria)
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)
High-sum insured options
Rewards and loyalty benefits
Multiple plan variants
Niva Bupa Senior First Plan (Cons)
ICU charges not covered
OPD coverage not available
Second medical opinion not available
Niva Bupa Senior First Plan (Other
Benefits)
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)
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...
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)
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)
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)
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)
One of the various functional health insurance plans, Niva Bupa Reassure 2.0 offers a comprehensive plan with coverage for medical emergencies for you...
Unique Features
High Sum Insured
Lock Your Premiums
Booster+ Benefit
Niva Bupa Reassure 2.0 Health Plan (Pros)
Personal accidents covered
Acute Care
Emergency Ambulance
Three Plan variants
Home Care Treatments
Niva Bupa Reassure 2.0 Health Plan (Cons)
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)
Air Ambulance
Modern Treatments
Second Opinion
Booster Benefit
Shared Accommodation Benefit
Niva Bupa Reassure 2.0 Health Plan (Eligibility
Criteria)
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...
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...
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)
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 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)
Annual health check-up included
Pharmacy and diagnostic services included
Domiciliary treatment covered
Niva Bupa Super Saver Policy (Cons)
Investigation and evaluation not included
Any conflict or disaster not included
Maternity expenses is excluded
Niva Bupa Super Saver Policy (Other
Benefits)
Lifetime renewability
Unlimited e-consultations
Cover for modern treatments
Niva Bupa Super Saver Policy (Eligibility
Criteria)
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...
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...
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...
"Introducing a health insurance that rewards you for starting young."
A plan that allows you to go for overseas treatment.
Several health insurance p...
Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical i...
1. Can I cancel my Niva Bupa health policy anytime I want?
You can cancel your Niva Bupa policy within 15 days of the policy issuance. Beyond this limit, you will not be able to get a full refund of your premiums paid.
2. Can I get my money back after my Niva Bupa health policy cancellation?
If you cancel your policy within the free look period provided by the insurer, you will receive a full refund. If you cancel the policy beyond this period, a specific percentage of deductions will be applicable.
3. Will I receive a full refund on cancelling my Niva Bupa health insurance after the free look period?
A 100% refund will be processed and completed against your policy within 10 working days if you’re not satisfied with the policy. (Given, that if there was a pre-policy health check-up condition at the time of policy purchase, the expenses involved in it will be deducted).
4. What are the cons of cancelling a health insurance policy?
You are free to cancel your health policy if you are dissatisfied with the terms and conditions or coverage benefits of the policy. However, it can greatly affect the medical support you might require during an emergency.
5. How can I get information about my policy cancellation status?
You’ll receive an email or SMS regarding the status or closure of your policy’s cancellation.
6. How long does it take to get a refund after cancelling a Niva Bupa policy?
After cancelling a Niva Bupa policy, it takes 7 working days for the 100% refund during the free look period.
7. What charges are deducted when I cancel a Niva Bupa health insurance policy?
If the policy is canceled within 1 month, 75% of the premium is refunded; within 1–3 months, 50%; within 3–6 months, 25%; and after 6 months, no refund is given.
8. Can I cancel my Niva Bupa health insurance policy offline?
Yes, you can cancel Niva Bupa health insurance offline via customer care, email, or visiting the nearest branch office.
Do you have any thoughts you’d like to share?