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Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025
Niva Bupa Health Insurance
Niva Bupa Health Insurance
Niva Bupa Health Insurance is a standalone health insurance company in India that offers plans for individuals, ...Read More
10,000+
Cashless hospitals
94.4%
Claim settlement
1 Cr
Max sum insured
18
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03x solvency ratio
✅ 94.4% claim settlement
What you get with Niva Bupa Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
10,000+ cashless hospitals
Direct billing at network hospitals across 320 presence — no out-of-pocket payment at admission.
94.4% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
3.03x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
18 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
6+ optional riders
Extend a base policy with add-on covers — critical illness, OPD, maternity and more.
About Niva Bupa Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Niva Bupa Health Insurance Overview
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a dedicated health insurance company offering a wide range of products. It is among the most reliable and trustworthy brands, supporting over 1 crore customers with access to more than 10,469 cashless network hospitals.
Niva Bupa Health Insurance Company Ltd. is a joint venture between the Bupa Group and Fettle Tone LLP.
Bupa, a UK-based healthcare services expert, has seven decades of experience and serves 50 million customers in over 190 countries. Fettle Tone LLP is an entity controlled and managed by True North, one of India's largest domestic private equity funds.
Key Highlights:
- 3598+ Happy Customers
- 10,469 Network Hospitals (https://www.policyx.com/health-insurance/network-hospitals/)
- 30 Min Cashless Claim Processing
- Up to 2 Cr Sum Insured
- 98% Claim Settlement Ratio
Why Choose Niva Bupa Health Insurance?
Comprehensive Coverage for Travellers
Niva Bupa health insurance plans offer benefits for frequent travellers, including healthcare in international countries and access to emergency ambulances.
Access Healthcare on Your Fingertips
The Niva Bupa health insurance app allows you to file claim requests and check policy renewals conveniently from your mobile device.
Connect with Your Health Insurer Anytime, Anywhere!
Niva Bupa provides 24/7 customer support for any planned or unplanned medical requirements, ensuring you can access plan features without limitations.
Quicker Claim Process
Niva Bupa health insurance processes cashless claims within 30 minutes of filing, ensuring a smooth and quick experience for policyholders.
Day 1 Coverage for Diabetes and Hypertension
Special health plans are available for illnesses like diabetes and hypertension, offering coverage from day one, which is often not included in regular health plans by other providers.
Choose Niva Bupa Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Niva Bupa Health Insurance Complete Details 2024
All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance Plan Detailed Review
All 18 Niva Bupa Health Insurance plans
Every plan currently being sold by Niva Bupa Health Insurance, shown side-by-side so you can shortlist quickly.
Niva Bupa Reassure 3.0
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 covera…
- Unlimited Sum Insured
- Day 1 Pre-Existing Disease Coverage
- Automatic Sum Insured Restoration
- No Co-payment Clause
Niva Bupa Rise Plan
The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designe…
- Modern treatment covered
- Unlimited digital consultation
- Smart Cash
- Loyalty bonus
Niva Bupa Group Health Insurance
Max Bupa Health Insurance rebranded itself to Niva Bupa Health Insurance on July 5th, 2021. With this change, the insurer introduced multip…
- 10000+ network hospitals
- Customizable group plans
- No pre-policy check-up
Niva Bupa Criti Care Plan
CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! Critical illness can be …
- Covers 20 critical illnesses
- Long-term tenure discounts
- Multiple payout options
- Tax benefits under Section 80D
Personal Accident Care Plan
The Niva Bupa Personal Accident Plan is designed to provide financial support in case of accidents. It offers a lump sum payout for acciden…
- Child education benefit
- Funeral expenses covered
- Total and partial disability covered
Niva Bupa Senior First Plan
Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all t…
- High-sum insured options
- Rewards and loyalty benefits
- Multiple plan variants
Niva Bupa Health Pulse
The Niva Bupa Health Pulse Plan is a simple health insurance option for people who want basic medical coverage without paying a high premiu…
- Optional benefits available
- 150% Refill Benefit
- Annual Health Checkup
- Emergency Ambulance
Niva Bupa Health Premia Plan
Health Premia is a health insurance plan that covers hospitalization expenses along with key medical needs like pre and post-treatment cost…
- Refill benefit for any illness
- 10% Loyalty Additions to Sum Insured
- Tenure Discounts of up to 15%
- Worldwide Maternity Benefits
Niva Bupa Reassure 2.0 Health Plan
Niva Bupa Reassure 2.0 offers coverage for medical emergencies. Under this plan, you will get a sum insured of up to ₹1 Crore at a very rea…
- Personal accident cover
- Acute Care benefits
- Emergency Ambulance
- Five Plan variants
Niva Health Companion
Niva Bupa Health Companion (Variant 2022) is a health insurance plan that covers hospitalisation expenses along with related medical costs …
- 5% Doctor Discount
- 10% Family discount
- Tenure Discounts of upto 15 %
- Annual Aggregate Deductible
Niva Bupa ReAssure Plan
A plan that keeps giving you more. Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencie…
- Booster benefit
- Organ donor transplant
- ReAssure
- Live Healthy Benefit
Niva Bupa Money Saver Plan
Niva Bupa Money Saver health insurance plan is a combination of two separate health plans: Niva Bupa Health Companion and Niva Bupa Health …
- All day care procedures covered
- Every claim-free year adds up to 20% of the base sum insured as a bonus
- Accumulated bonus does not reduce even after a claim
Niva Bupa Super Saver Policy
Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans: Niva Bupa Health Pulse and Niva Bupa He…
- Annual health check-up included
- Pharmacy and diagnostic services included
- Domiciliary treatment covered
Niva Bupa GoActive
The Niva Bupa GoActive plan offers exclusive features to meet all your health insurance needs. Hospitalizations can occur unexpectedly, and…
- Pharmacy and diagnostic services
- Domiciliary hospitalisation
- Personal accident benefits
- Refill benefits
Niva Bupa Health Recharge
Go an extra mile for the health of your family with Niva Bupa Health RechargeNiva Bupa Health Recharge (formerly Max Bupa Health Recharge) …
- Loyalty addictions up to 50%
- Pharmacy and diagnostic services
- Personal accident cover
- Easy plan convertibility
Niva Bupa Arogya Sanjeevani Policy
The Niva Bupa Arogya Sanjeevani health policy is an indemnity plan designed to provide comprehensive coverage at an affordable premium. Ava…
- COVID-19 coverage
- Cumulative bonus
- AYUSH treatment
- Room rent cover
Niva Bupa Aspire Plan
Introducing a health insurance plan that rewards you for starting young. A plan that allows for overseas treatment. Several health insuranc…
- Overseas treatment coverage
- Booster benefit
- Covers organ donor transplant
- Second medical opinion
Niva Bupa Critical Illness
In today's fast-paced world, health dangers are rapidly increasing, including chronic life-threatening diseases. Anyone, regardless of age,…
- Covers 20 critical illness
- Accident care benefits
- Direct claim settlement
Quick comparison
Side-by-side across the 3 most-bought Niva Bupa Health Insurance plans on PolicyX.
| Feature | Niva Bupa Reassure 3.0 | Niva Bupa Rise Plan | Niva Bupa Group Health Insurance |
|---|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance | Group Health Insurance |
| Sum insured | Unlimited | 5 L, 7.5 L, 10 L, 15 L, 20 L, 5… | 1 to 50 Lakhs |
| Entry age | Adult - 18 Years, Child - 91 Days | 18 years | Flexible eligibility |
| Top benefits | Unlimited Sum Insured · Day 1 Pre-Existing Disease Coverage | Modern treatment covered · Unlimited digital consultation | 10000+ network hospitals · Customizable group plans |
What's covered — and what's not
The standard inclusions and exclusions across Niva Bupa Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- International CoverageMultiple health plans offered by Niva Bupa cover you against hefty medical bills for treatments availed outside of India.
- Advanced Reproductive TreatmentsNiva Bupa's plans can help with the costs of advanced reproductive treatments like IVF, which address infertility issues common in young couples.
- Travel The World Stress-FreeTravel health insurance plans by Niva Bupa cover medical emergencies and offer travel inconvenience coverage, including loss of baggage or passport.
- Wellness BenefitsMaintaining a healthy lifestyle and achieving daily step goals can earn you up to 30% renewal discounts on your health insurance plan.
- Optional CoversWith each Niva Bupa health insurance plan, you can add optional covers such as personal accident, critical illness, and international coverage.
✗ Exclusions
- Nuclear and RadiologicalInjuries caused by nuclear and radiological immersion are not covered.
- Illegal ActivitiesInjuries resulting from involvement in unlawful and illegal activities are excluded.
- DrugsNon-prescribed or unproven drugs or treatments are not covered.
- Adventure SportsInjuries sustained during adventure sports are excluded unless specifically mentioned in the policy schedule.
- Weight ManagementTreatments for obesity and weight reduction are not covered.
Riders Of Niva Bupa Health Insurance
Add-on covers that extend your base Niva Bupa Health Insurance policy.
Riders Of Niva Bupa Health Insurance
Niva Bupa Health Insurance provides multiple additional add-on coverage features to policyholders for an enhanced health insurance experience. A few are mentioned below:
Fast Forward
Available with the Niva Bupa Aspire health plan (https://www.policyx.com/health-insurance/max-bupa-health-insurance/aspire-plan.php), this unique plan allows you to combine the entire sum insured for use anytime if you buy a multi-year policy for 2 or 3 years.
Borderless Add-on
You can avail of medical treatments anywhere in the world with personalized co-payment options between 0% to 50%.
Day 1 Coverage
Get day 1 coverage for diseases like hypertension and diabetes, along with up to a 20% renewal discount.
Safeguard
Get annual increased coverage based on the inflation rate and coverage for non-payable items.
Hospital Cash
The plans offered by Niva Bupa health insurance will pay you hospital cash for up to 30 days of hospitalization if you are hospitalized for more than 48 hours.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Niva Bupa Health Insurance Plans?
Initial Waiting Period
An initial waiting period of 30 days is applicable on all Niva Bupa Health Insurance plans, starting from the date of purchase.
Pre-existing Waiting Period
Pre-existing diseases such as hypertension, diabetes, and others have a waiting period varying between 2 to 4 years, depending on the plan you opt for.
Survival Period
The survival period is the number of days mentioned in your critical illness health policy (https://www.policyx.com/health-insurance/critical-illness-insurance.php) that you need to survive after being diagnosed with a critical illness to get plan coverage.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
Follow these steps to purchase Niva Bupa health plans through PolicyX:
- Step 1
Visit the PolicyX health insurance page, and fill in your details like name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Niva Bupa health insurance plans as per your requirements.
- Step 3
Select and pay premiums online for your chosen Niva Bupa health insurance plan.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Niva Bupa health insurance plan.
Follow the steps given below to file claims with Niva Bupa health insurance:
- Step 1
Visit the official website of Niva Bupa Health Insurance Company.
- Step 2
Click on 'Claims'.
- Step 3
Choose from the Cashless Claim or Reimbursement Claim option.
- Step 4
Enter your 'policy or membership number'.
- Step 5
Mention your Date Of Birth (DOB).
- Step 6
Click 'Submit'.
To renew your Niva Bupa health insurance plan, follow these simple steps:
- Step 1
Visit the official website of Niva Bupa Health Insurance Company.
- Step 2
Click on 'Renewals'.
- Step 3
Enter your 14-digit policy number.
- Step 4
Click on 'Renew Now'.
- Step 5
Once your renewal payment has been made, you will receive a policy renewal email and can continue with your health insurance benefits.
P.S - Connect with PolicyX health insurance experts for Niva Bupa health insurance policy renewal at 1800-4200-269.
To port your existing policy to Niva Bupa health insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form and send the application to Niva Bupa Health Insurance Company 45 days before the renewal date of your existing health plan.
- Step 2
As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company must communicate its decision – either approval or rejection – within 15 days.
Compare and calculate Niva Bupa health policy premiums with the PolicyX premium calculator using these simple steps:
- Step 1
Visit the official website of PolicyX.
- Step 2
Fill in details such as name, number of family members to be covered, city, and other information.
- Step 3
Click on 'Get Quotes'.
Frequently asked questions
The 10 most-asked questions about Niva Bupa Health Insurance, answered.
To select the best Niva Bupa health insurance plan per your needs, consider your age, pre-existing conditions, sum insured, number of dependents, and other important factors. For assistance get in touch with PolicyX health insurance experts at 1800-4200-269.
Yes, Niva Bupa health plans cover PEDs after serving a specified amount of waiting period. You can also reduce your waiting period with an additional waiver of premium add-ons.
Niva Bupa Health Insurance promises a 30-minute cashless claims processing after receiving all the necessary details and documents from the policyholder for claim filing.
Avail cashless hospitalization in over 10,372 network hospitals with Niva Bupa Health Insurance health plans.
Yes, Niva Bupa health insurance provides insurance-related services in the palm of your hands with the Niva Bupa App available on iOS and Android.
To use your Niva Bupa Health Insurance at the time of a medical emergency, follow the below-mentioned steps: Inform the insurer Share your health insurance card at the hospital Pre-authorization request goes to the insurer The verification process is done by the insurer Claim settlement approved Now you can enjoy the benefits associated with your Niva Bupa health plan.
Yes, the company allows you to choose for auto-renewal facility so that you never forget to pay your premiums on time. For any auto-renewal assistance, give a missed call at 1860-500-8888, and the company’s representatives will get in touch with you.
Niva Bupa Health plans are available across categories like: Individual Health Plans Family Health Plans Personal Accident Health Plans Senior Citizen Health Plans Critical Illness Health Plans
To check your Niva Bupa policy details, you can either log in to your account on PolicyX, the Niva Bupa website, or use the Niva Bupa Health app
Standard policy duration is one year. It can be renewed annually. Some plans allow multi-year coverage (up to 2–3 years) with loyalty bonuses and no-claim benefits.
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Customer satisfaction
Aggregate ratings from 2,740 verified PolicyX customers who bought a Niva Bupa Health Insurance plan.
Health Insurance Premium Calculator
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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