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Niva Bupa Health Insurance is a joint enterprise between "True North" private equity firm in India, and Bupa the global expert in healthcare services and health insurance plans. The Niva Bupa is one of the most trusted and popular health insurance companies in India.
Niva Bupa Health Insurance Company Limited has a network of more than 34,000 agents and a wide range of network hospitals offering cashless treatment. The insurer mentions settling down 9 out of 10 cashless claims in just 30 minutes. The company has brought together their varied and vast knowledge and skills in the field of healthcare and insurance.
The Niva Bupa Health Insurance plans have been designed to cater to the different needs of its wide range of customers from newborn to the elderly. The health insurance plans come with a number of add-on benefits and the co-payment clause is also not applicable in most of the plans. Niva bupa claim settlement ratio (formerlly known as Max bupa claim settlement ratio) of 96% also reflects positively.
During the COVID-19 pandemic the company has assisted more than 73,000 customers with its Chabot CIA. For its seamless medical insurance services, the insurance provider has been felicitated with a range of awards namely: The Super Brand 2019 award, Best Tech for Health Category 2019, and The Economic Times Best Brands 2019 award.
Niva Bupa Insurance Company offers a comprehensive range of health insurance plans to the customers. The list of various health insurance plans offered by Niva Bupa Insurance is given below:
The current lifestyle of individuals has made them more prone to different diseases that require medical attention and the corresponding health care costs are increasing at a rapid pace. Niva Bupa Health Insurance Company, keeping in view the monthly earnings of an individual, which has no relative growth, offers an array of health insurance plans under three major Categories - Individual, Family/Extended Family, and Fixed Benefit. Therefore, it is wise for one to insure oneself against various medical emergencies that may occur so that the financial aspects of the loss are taken care of by the insurance company. Listed below are some of the Niva Bupa Health Insurance benefits and features that make it a worthy buy:
This Niva Bupa Health Insurance plan is quite cost effective and offers a range of benefits, including direct claim settlement, pre and post hospitalization expenses, and cover up to Rs. 1Crore.
Features & Benefits:
Eligibility Criteria:
Niva Bupa Health companion family first a unique family floater plan by Niva Bupa Health Insurance company that is especially tailor made to suit the needs of the Indian joint families. It can cover up to 19 relationships in a single plan. The coverage includes the individual sum insured for each member of the family along with a floater sum insured, which can be utilized by any insured member of the family. The features of this Niva Bupa Mediclaim policy are as follows:
Policy Term |
Sum Assured |
Coverage |
Renewability Benefit |
1 to 2 Years |
3 lakhs - 1 Crore |
Pre-hospitalization: 30 Days Post-hospitalization: 60 Days |
20% additional sum assured on renewal for each claim-free year (max 100% of base sum assured) |
Features & Benefits:
Eligibility Criteria:
An affordable and comprehensive Niva Bupa Health Insurance policy designed for the nuclear family (man, wife, and up to 4 children). The features of the policy are as follows:
Policy Term |
Sum Assured |
Coverage |
Renewability Benefit |
1 to 2 Years |
3 lakhs - 1 Crore |
Pre-hospitalization: 30 Days Post-hospitalization: 60 Days |
20% additional sum assured on renewal for each claim-free year (max 100% of base sum assured) |
Features & Benefits
Eligibility Criteria:
This Niva Bupa Health Insurance plan has been designed to cater to the insurance needs of Indian Joint Family. The features of this Niva Bupa Health Insurance policy are as follows:
Policy Term |
Sum Assured |
Coverage |
Cashless Hospitalization |
1 to 2 Years |
Gold: 5-50 lakhs Platinum: 15 lakhs- 1 Crore
|
Pre-hospitalization: 30 Days Post-hospitalization: 60 Days |
Avail cashless treatment at over 4500 quality hospitals across the nationwide |
Features & Benefits:
Eligibility Criteria:
Health PPremia individual and family floater plan is the most comprehensive medical insurance plan by Niva Bupa Health Insurance . The policy offers some of the most unique health insurance benefits and features including international coverage. The coverage amount is available in a both individual and family floater bases some of the major benefits of this Niva Bupa Health Insurance policy are listed below:
Policy Term |
Sum Assured (in Rs.) |
Coverage |
Additional Benefit |
1 to 2 Years |
Silver: 5-7.5 lakhs Gold- 10-50 lakhs Platinum- 1 Crore-
|
International Coverage New-Age Treatment Cover |
Coverage extendible to USA & Canada Critical Illness Cover |
Features & Benefits:
Eligibility Criteria:
Niva Bupa Criticare is a critical illness insurance plan of Niva Bupa Health Insurance policy. It provides a lump sum amount to ensure proper diagnosis of the illness. A health insurance policy exclusively designed to provide coverage against pre-existing critical diseases where a lump sum amount is immediately paid in case the proposer gets diagnosed with the illness covered under the scope of the plan. The features of this Niva Bupa health plan are as follows:
Policy Term |
Sum Assured |
Critical Illness |
Pre-existing Diseases |
Claim Settlement |
2 to 3 Years |
1. Payable as lump sum2. Payable as lump sum along with 10% of sum assured payable annually for a period of 5 years. |
Not covered during the initial 90 days |
Covered after 4 years of continuous renewal |
Directly by the company |
Features & Benefits:
Eligibility Criteria:
An accident not only harms one physically but also burns a big hole in one’s pocket financially. This Personal Accident Policy by Niva Bupa ensures coverage against accidental death as well as Permanent Partial Disability, Permanent Total Disability, and Child Education. The features of this Niva Bupa medical insurance policy are as follows:
Policy Term |
Coverage |
Accidental Death |
Total Permanent Disability |
Partial Permanent Disability |
2 to 3 Years |
100% of the sum assured is payable in the event of an accident |
100% of the sum assured payable in the event of accidental death |
125% of the sum assured payable in the event of total permanent disability |
100% of the sum assured payable in the event of partial permanent disability |
Features & Benefits:
Eligibility Criteria:
This Health Insurance Plan looks after your hospitalization bills, incidental expenses, such as transportation cost, nursing expenses, attendant lodging, etc. The features and benefits of this Niva Bupa Health Insurance are as follows:
Policy Term |
Entry Age |
Coverage |
Daily Hospital Cash |
ICU Cash Benefit |
1 Year (by default) |
Adults: 18 - 65 Years; Children: 2 to 21 Years |
Adults: 100% of sum assured; Children: 50% of sum assured |
Rs. 4000 per day (max up to 45 days) |
Double the daily cash benefit |
Features & Benefits:
Eligibility Criteria:
Health insurance plans offered by the Niva Bupa Health Insurance company can be applied to through multiple channels like:
Niva Bupa Health Insurance Company has partnered with a wide network of quality hospitals across the country to make cashless hospitalization easier for the policyholders. This network comprises more than 3500 reputed and renowned hospitals, clinics, nursing homes, and healthcare centers.
You can also use Niva Bupa Health Insurance Company’s convenient and simple 'Hospital Locator' tool to find a network hospital that is closest to you or maybe, located just a few meters away from your location.
You just need to select your state and city of treatment with the cashless facility, click the ‘Search’ button and the tool would instantly populate a list of the Niva Bupa empanelled hospitals.
It is quite simple and easy to renew your Niva Bupa Health Insurance policy online. By following these simple steps you can renew your Niva Bupa Health Insurance plans for self and your loved ones. Moreover, with online renewal both time and efforts are saved.
Below are some of the steps that can be followed to renew Niva Bupa Health Insurance policy online-
However, the insurer offers a grace period of 30 days post the due date of the premium payment. In case the Niva Bupa Health Insurance Plan is renewed within a period of 30 days, (i.e. the grace period), then the policy shall be considered as continuous. However, the insured shall not be covered during the grace period. Therefore, it is important to renew your Niva Bupa mediclaim policy to avail the continuous coverage benefits.
Niva Bupa Health Insurance Premium Calculator (Formerly known as Max Bupa Health Insurance Premium Calculator) is a web application that helps the buyer to evaluate his insurance needs and the premium that he would need to pay towards various Health and mediclaim Insurance Policies, like Heart Beat, Family Floater, and Health Assurance products. Additionally, it highlights the key benefits and features of those products. Further, this calculator also has a BMI calculator that helps the customer in calculating his Body Mass Index or BMI. All in all, this tool is totally user-friendly and can be used on a computer as well as on a Smartphone anytime, anywhere.
Ans: Claims settlement form along with the supporting documents should be submitted to the TPA and not directly to the company. Your TPA details are mentioned in your company health card or you can take help from a customer care representative.
Niva Bupa Health Insurance has launched the ‘Senior First’ health insurance plan for senior citizens. This senior citizen medical insurance offers the required medical support and healthcare to elderly people. Niva Bupa Senior first health insurance plan provides coverage options of up to Rs 25 lakh. There are no sub-limits on common medical conditions like knee replacement, cataract, etc. The plan is available in both Gold and Platinum options.
A pre-medical screening is not required for the senior citizens and the health checkup benefit is provided from Day 1. Some of the key benefits include Reassure benefits, No-claim-bonus, selecting own co-payment, switch co-payments for deductibles, domiciliary treatment cover, and daycare treatments.
The ReAssure benefit is an unlimited sum insured benefit that starts from the first claim itself. The claim received from this benefit can be up to the base sum insured. There are no limitations on the number of claims during the policy term for the same or different illnesses.
Niva Bupa Health Insurance has launched ReAssure Health Insurance Plan that provides unlimited sum and cover for hospitalization, including Coronavirus medical insurance. The insured person can claim for any illness that is covered as many number of times during the policy term. It will ensure complete financial protection to the policyholder and other insured family members.
The policy also covers COVID-19 treatment including the cost of masks, gloves, PPE kits, and other consumable items, including the regular cover.
This policy with unlimited coverage has been launched keeping in mind the patients suffering from critical illnesses like cancer, or kidney ailments, who need multiple hospitalizations during the same year. In addition to the day care treatments, it will also cover dialysis, angiography, and radiotherapy, organ donation, homecare treatment for chemotherapy, alternative treatment like AYUSH, etc.
Getting a health insurance claim accepted for pre-existing
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Read more*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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Policybazaar Insurance Brokers Private Limited CIN: U74999HR2014PTC053454 Registered Office - Plot No.119, Sector - 44, Gurgaon - 122001, Haryana Tel no. : 0124-4218302 Email ID: enquiry@policybazaar.com
Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2027, License category- Composite Broker
Visitors are hereby informed that their information submitted on the website may be shared with insurers.Product information is authentic and solely based on the information received from the insurers.
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