care@investkraft.com 
+91-9797971876
+91-9797971876Affordable Health Plans, Trusted by Millions
Niva Bupa Health Insurance
Make a health plan for yourself and your family
By proceeding, you agree to our Terms & Conditions & Privacy Policy
Home > Health Insurance > Niva Bupa
Overview of Niva Bupa Health Insurance
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, has established itself as a trustworthy standalone health insurance partner in the Indian health insurance market. Their range of affordable and comprehensive healthcare policies is designed to meet the diverse needs of their consumers.
Niva Bupa Health Insurance is committed to ensuring that all Indias have access to quality healthcare by offering health insurance plans tailored to individual needs. With their innovative and extensive health policies, they have established as a prominent provider of health and medical insurance in the country.
Niva Bupa Health Insurance has a substantial customer base of over 14 million individuals and an outstanding claim settlement ratio of 92%, having settled claims amounting to 1,141 crores since its establishment in 2008. Setting it apart is its direct claim settlement process, which removes the requirements for third-party administrators (TPAs). Additionally, Niva Bupa health insurance offers critical illness coverage across an extensive international network of 190 countries.
Niva Bupa offers cashless treatment through its extensive network of 10,000+ hospitals across the country, making it incredibly convenient for individuals to access medical services. They have also integrated digital solutions into their processes to ensure efficiency, shorter turnaround times and an exceptional consumer experience.
Niva Bupa, a joint venture between Bupa Singapore Holdings and Fettle Tone LLP, aims to be India’s top health insurance company. With strong backing from a well-established British healthcare services company and an experienced private equity firm, Niva Bupa offers customer-centric features that make it an ideal choice in the Indian health insurance sector.
Choose the Best Health Insurance Plan
that provides all the necessary coverage benefits you need at affordable premiums.
Quick Links
- Overview of Niva Bupa Health Insurance
- Health Insurance Calculator
- Key Features of Niva Bupa Health Insurance Company
- Our Health Insurance Plans
- Niva Bupa Health Insurance Contact Details
- Niva Bupa Health Insurance Add-on Riders
- Niva Bupa Health Insurance Inclusions
- Niva Bupa Health Insurance Exclusions
- Niva Bupa Health Insurance Claim Process
- Documents Required for Buy Health Insurance?
- Documents required for Health Insurance Claim Process?
- Best Health Insurance Plans In India
- Frequently asked questions (FAQs)
Health Insurance Calculator
Key Features of Niva Bupa Health Insurance Company
Niva Bupa offers a range of benefits, making it a popular choice for those seeking health insurance. Customers can enjoy peace of mind knowing they have comprehensive coverage for their healthcare needs.
01
Comprehensive Coverage Options
Niva Bupa offers various health insurance plans, including individual, family floater, critical illness and personal accident insurance, with flagship plans known for extensive coverage and benefits.
02
Efficient Claims Process
Niva Bupa ensures a seamless claims experience with a 90.70% settlement ratio, quick cashless processing in emergencies and over 15 lakh claims paid to date.
03
Health Card and Digital Solutions
Policyholders receive a Niva Bupa health card for easy claims and as proof of identity during medical treatment. The Health App enables users to book appointments, consult doctors online and manage health insurance details.
04
Maternity Benefits
Plans such as Aspire and Health Premi offer comprehensive coverage for maternity expenses, including costs related to pregnancy, labour, delivery and newborn care. The coverage provided for newborns is included within the overall plan, without any additional charges.
05
Room Rent Flexibility
Niva Bupa has various room rent options based on the plan, with no cap on room rent for certain plans, giving policyholders the freedom to select their desired accommodation while in the hospital.
06
Pre-existing Disease Coverage
Individuals with pre-existing health conditions can obtain coverage immediately with this plan, which makes it a highly appealing choice.
07
Customer Support and Accessibility
It provides 24x7 Insta Assist for customer support and information, enhancing the overall experience.
08
A Wide Variety of Plans
Niva Bupa health insurance stands out as the ideal health coverage option, with a wide array of policies that cater to various requirements. Whether you need coverage for yourself, your family or critical illnesses, Niva Bupa offers comprehensive plans to meet your needs.
09
Great Benefits
Niva Bupa offers great benefits in India, such as renewal premium discount, no room rent restrictions, alternative treatment coverage, daily health coach, international coverage, travel insurance, refill benefits, no-claim bonuses, e-consultations and coverage for medical expenses.
10
Care for Senior Citizens
Premium services for senior citizens include coverage for ambulances, organ donors, AYUSH therapy, daycare treatments and ongoing treatments. Accident plans also offer comprehensive benefits like disability coverage, child education and death benefits. Niva Bupa covers 20 critical illnesses and provides long-term discounts and lifetime renewal options.
Other Insurance Plans
Individual And Family Health Insurance Plan
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Niva Bupa Health Insurance Contact Details
For any assistance or query regarding Niva Bupa health insurance, kindly use the following channels to get in touch with Niva Bupa representatives.
Fax - +91 11 41743397
Toll-Free Number - 1860-500-8888
Office Address - 14th Floor, Capital Cyberscape, Sector 59, Gurgaon
Niva Bupa Health Insurance Add-On Riders
Niva Bupa Health Insurance riders provide extra coverage options for policyholders, allowing them to enhance their base policy by paying an additional premium. These riders from Niva Bupa Health Insurance Company Limited enable policyholders to increase their coverage level based on their individual needs. They can be purchased at the time of policy purchase or renewal.
01
Niva Bupa Safeguard
It offers safeguard, booster+ safeguard and sum insured safeguard. Claim safeguard covers non-payable items, booster+ safeguard protects booster+ if the claim amount is below 50,000 rupees and the sum insured safeguard increases the base sum insured annually based on the inflation rate. This add-on is available under the Niva Bupa ReAssure 2.0, ReAssure and Elixir plans.
02
Niva Bupa Safeguard+
It improves coverage of the Safeguard rider by offering claim safeguard+ and sum insured safeguard+ benefits. This add-on is available under the Niva Bupa ReAssure 2.0, ReAssure and Elixir insurance plans.
03
Niva Bupa Personal Accident Cover
This rider covers accidental death, total disability and partial disability. This is available in the GoActive, Health Recharge, Heartbeat, Health Pulse, Health Premia, Elixir, ReAssure and ReAssure 2.0 plans. It covers accidents worldwide.
04
Niva Bupa Hospital Cash
This rider pays a daily allowance for up to 30 days if the insured is hospitalized for 48+ hours and the claim is filed. This is available in various Niva Bupa insurance plans.
05
Niva Bupa Critical Illness Cover
This rider pays the sum insured if the policyholder is diagnosed with any of the 20 listed critical illnesses. This is available under various Niva Bupa health plans. The initial waiting period is 90 and the survival period is 30 days.
06
Niva Bupa E-Consultation
It allows the insured to get an e-consult from a doctor for illness/surgery. This add-on is available in the Niva Bupa Heartbeat Insurance and Health Plus plans.
07
Niva Bupa Enhanced Geographical Scope for International Coverage
This rider expands medical coverage worldwide, including the USA and Canada. It is available under the Niva Bupa Heartbeat and Health Premia insurance plans.
08
Niva Bupa Health Coach
It offers wellness services for the policyholder’s good health, including personalized coaching, health score calculation and renewal premium discount. This rider is available under the Niva Bupa GoActive and Health Premia plans.
09
Niva Bupa Pre-Existing Disease Waiting Time Modification
This add-on, which is available under the Niva Bupa ReAssure 2.0 plan, reduces the waiting period for pre-existing disease coverage.
10
Niva Bupa Modification in Room Rent
This rider allows choosing a single private room in a hospital without a room rent limit. It is available under the Niva Bupa Health Recharge insurance plan.
11
Niva Bupa I-Protect
This rider, available under the Niva Bupa Go Active Health Insurance plan, increases the base insurance by 10% yearly if the policy is renewed without a break.
12
Niva Bupa Accidental Hospitalization
This rider covers medical expenses during hospitalization due to an accident. It is available under the Niva Bupa Health Assurance policy.
13
Niva Bupa Premium Waiver
It extends the Niva Bupa Heartbeat insurance policy by 1 year if the insured dies, is diagnosed with a listed illness or undergoes treatment for the first time, with a 90-day waiting period.
14
Niva Bupa Temporary Total Disability
This rider pays 1% of the sum insured weekly for up to 100 weeks for temporary total disability due to accidental injury. It is available under the Niva Bupa Health Assurance policy, payable after 3 days of disability.
15
Niva Bupa Enhanced No-Claim Bonus
This rider gives a 20% no-claim bonus to the policyholder for each year without any claims for up to a maximum of 200% of the base sum insured amount. It can be added to the Niva Bupa Health Pulse policy.
16
Niva Bupa Enhanced Re-fill Benefit
This rider ensures that the sum insured can be topped up by up to 150% of the base sum insured amount if it is fully or partially exhausted. It can be added to the Niva Bupa Health Pulse policy for additional coverage.
17
Niva Bupa Enhanced Loyalty Additions
It offers a 20% cumulative bonus for up to 200% of the base sum insured when the Niva Bupa Health Premia policy is renewed without any break for the 2nd/3rd year in a 2-/3-year policy.
18
Niva Bupa International Coverage Extension
It doubles the sum insured for international coverage and includes single trips from 1 to 30 days. This add-on is offered with the Niva Bupa Health Premia policy.
19
Niva Bupa Annual Aggregate Deductible
This rider lets policyholders choose a deductible for their Niva Bupa ReAssure 2.0 policy. After paying the deductible, the company covers the rest of the claim.
20
Niva Bupa Co-Payment
This rider allows policyholders to choose a co-payment option for their Niva Bupa ReAssure 2.0 policy. With this option, policyholders will be responsible for making co-payment payments for each claim made, while the insurance company will cover the remaining amount of the claim.
21
Niva Bupa Room Type Modification
In this, the policyholders can choose their hospital room category with the Room Type Modification rider under the Niva Bupa ReAssure 2.0 insurance plan.
Niva Bupa Health Insurance Inclusions
- Inpatient hospitalization
- Pre and post-hospitalization care
- Daycare procedures
- Ambulance charges
- Covid-19 coverage
Niva Bupa Health Insurance Exclusions
- Dental treatment that is not related to cancer or acute trauma
- Purchase of items like glasses, hearing aids, artificial limbs, crutches, false teeth and veneers are not covered
- Self-inflicted injuries are not covered by Niva Bupa health insurance
- Excluded cosmetic surgeries, except for burn or injury treatments and cancer surgeries.
Niva Bupa Health Insurance Claim Process
Below is the Niva Bupa health insurance claims procedure for your convenience.
Cashless Claims
Admit yourself at a Niva Bupa network hospital
Use the Niva Bupa Health Card or provide the policy number at the hospital with ID proof
The Network hospital will verify your identity and submit the pre-authorization request to the insurer
The insurer validates, reviews and confirms the network hospital by fax and email. You will be notified by text message and email. Niva Bupa usually responds within 30 minutes of filing the claim request
Finalize the insurance claim settlement with the hospital after completing the formalities
Reimbursement Claims
Notify the insurer within 48 hours of admission in its network or non-network hospital. Pay the amount directly to the hospital.
Get your documents after leaving the hospital for reimbursement
Send the completed and signed claim form along with your valid ID proof and age proof to the insurer. The claim form can be found on Niva Bupa’s website or in your policy document
The insurer will review the claim request upon receipt of your documents and either approve, query or reject it based on the policy terms and conditions
The insurer will settle and reimburse the approved amount according to the policy terms
Documents Required to Buy Niva Bupa Health Insurance
- Identification Proof
- Address Proof
- Age Proof
- Income Proof
- Medical Reports
- Passport-size Photographs
Documents Required for Niva Bupa Health Insurance Reimbursement Claim Process
- Completed and signed claim form
- A discharge certificate from the hospital
- Doctor's consultation notes and receipts
- Hospital bills with proper stamps and signatures
- Reports and diagnostics including X-ray films, blood tests, urine tests, etc.
- Invoices for medications and any other relevant treatment documents.
Best Health Insurance Plans In India
When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.
It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.
| Insurance Provider | Plan Name | Coverage Type | Sum Insured Range | Age Limit (Adults) | Important Parameters | |
|---|---|---|---|---|---|---|
| Care Advantage Health Insurance Plan | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| ICICI Elevate Health Insurance Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| IFFCO Tokio Family Health Protector Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| Niva Bupa Aspire Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| Arogya Supreme Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| TATA AIG Medicare Lite Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium |
Frequently Asked Questions (FAQs)
Niva Bupa provides health insurance plans with the cheapest premiums starting from 1,469 rupees per year. The final cost is determined by factors such as age, sum insured, plan type and optional add-ons.
Niva Bupa has a high claim settlement ratio of 92% and has successfully settled claims totalling 1,141 crore rupees since its inception. The company also prides itself on setting 9 out of 10 cashless claims within just 30 minutes.
Niva Bupa provides a range of health insurance plans catering to individuals across all age groups, from infants to senior citizens. The SeniorFirst plan is tailored specifically for seniors, offering comprehensive coverage and benefits to meet their unique healthcare needs. Each plan may have specific age limits and features, ensuring that individuals of different ages can find suitable coverage with Niva Bupa.
Niva Bupa's 30-minute cashless claim settlement process is convenient for policyholders, who can easily access cashless treatment by presenting their health card at any of the network's 8,500 hospitals. This streamlined process ensures that policyholders can receive the necessary medical care without worrying about upfront payment and reimbursement procedures.
To get a Niva Bupa health insurance policy, follow these steps:
- Visit the Niva Bupa website and click on the "Buy Now" button for your preferred plan
- Fill in the application form with personal details and select the desired sum insured and policy term
- Answer a few health and lifestyle questions
- Make the payment through net banking, UPI, debit or credit card
- Your policy document will be available for download instantly
Niva Bupa Health Insurance Company Limited is a joint venture between True North private equity firm and Bupa, a global healthcare services company. It is an expansion of the previous joint venture between Max India and Bupa, which ended in 2020. Compared to Max Bupa, Niva Bupa has a larger network of over 34,000 agents and 8,500+ network hospitals.
Key benefits of Niva Bupa health insurance plans include:
- Cashless treatment at 8,500+ network hospitals
- Coverage for pre-existing conditions after a waiting period
- Coverage for pre and post-hospitalization expenses
- Coverage for daycare procedures
- No room rent sub-limits in some plans
- Maternity and newborn cover in select plans
- International coverage in some plans
