Niva Bupa (Formerly known as Max Bupa) Health Premia Family First

Niva Bupa (Formerly known as Max Bupa) Health Premia Family First Policy provides many medical facilities and easy payment of the bills from hospitalization expenses and many others.

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Niva Bupa (Formerly known as Max Bupa) Health Premia Family First

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get up to 5% discount**
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    Niva Bupa (Formerly known as Max Bupa) Health Premia Family First Policy is one of the popular health insurance policies from Niva Bupa (Formerly known as Max Bupa) Health. The plan provides adequate coverage for all your hospitalization expenses and other related ones. Individuals looking to buy Niva Bupa (Formerly known as Max Bupa) Health Insurance Policy can have sufficient coverage for their treatment from hospitals or nursing homes in India.

    Niva Bupa (Formerly known as Max Bupa) Health Premia Family First: Key Highlights 

    Sum Insured

    Rs 5 lakh-3 cr

    New-born Baby Cover

    From Day 1 till policy year

    Global Coverage

    Under Platinum Plan



    Hospital Coverage

    Up to 3 cr

    Coverage Offered

    To buy Niva Bupa (Formerly known as Max Bupa) Health Premia Family First plan, one can opt for the Individual option with assured sums in silver and platinum plans.  

    Some of the basic coverage offered by the policy are as follows:

    • In-patient Treatment -All hospital expenses like hospital room rent, boarding, nursing, doctor and nurse's fees, blood, oxygen expenses, etc., are covered.
    • Pre-hospitalization Cover-Pre hospitalization expenses are given up to 90 days till the date of admission to the hospital.
    • Post- hospitalization Cover-Post hospitalization expenses are incurred up to 180 days, starting from the date of discharge from the hospital for the same illness.
    • Organ Donor-Organ donor treatment plus organ transplant-related expenses are covered.
    • Daycare Treatment-Daycare treatment requiring less than 24 hours of hospitalization for dental, ENT, and other illnesses are covered.
    • AYUSH Treatment-Covers expenses for Ayurvedic, homeopathic, Siddha, Unani treatments.
    • Domiciliary Hospitalization-Domiciliary treatment or treatments taking place at home due to unavailability of rooms in the hospital or if the patient is not in a condition to be transferred to a hospital is covered. This will only happen if the medical practitioner prescribes it. 

    Inclusions of the Niva Bupa (Formerly known as Max Bupa) Health Premia Family First

    Niva Bupa (Formerly known as Max Bupa) Health Premia Family First policy includes the following under its list of coverage:

    Emergency Ambulance Charges-In case of a medical emergency, road ambulance charges for taking the insured person to the hospital or nursing home are covered.

    Critical Illness Benefit-Critical illness benefits are given to two individuals above the age of 18 years. The diseases that are covered are as follows:

    • Cancer
    • Open Heart surgery
    • Kidney Failure
    • Stroke

    The conditions arising due to the treatment of the diseases mentioned above are also covered in the Policy.

    Exclusions of the Niva Bupa (Formerly known as Max Bupa) Health Premia Family First

    Niva Bupa (Formerly known as Max Bupa) Health Premia Family First Policy does not cover the following diseases or conditions:

    • Investigation or evaluation of a particular disease or its appearance in the individual
    • Rest cure and rehabilitation
    • Treatment of obesity
    • Treatments and surgeries related to change of gender
    • Cosmetic surgery and plastic surgery
    • Sterility or infertility treatments
    • STDs, diseases related to HIV
    • Any unproven medical treatments
    • Breach of law

    *For a complete list of exclusions, refer to the policy document.

    Features & Benefits of the Niva Bupa (Formerly known as Max Bupa) Health Premia Family First

    Other features and benefits that are offered by Niva Bupa Health Insurance Policy (Formerly known as Max Bupa Health Insurance policy) are:

    • The policy has beneficial in comprehensive coverage up to Rs 3,00,00,000
    • Maternity and newborn coverage is also available, with no additional premium for covering the newborn from the first day to the policy year.
    • Inbuilt travel insurance coverage for multiple trips per year is available.
    • All new age treatment, scientific processes, including robotics, have been considered part of the plan's coverage.
    • Annual health check-up is available.
    • Loyalty Additions to the Policy are available as an additional benefit.
    • Tax benefits available for the premium paid towards the policy.

    Eligibility Criteria

    The minimum eligibility criteria to buy this policy are:


    Family Floater

    Minimum Entry Age

    18 years

    Maximum Entry Age

    56 years

    No limit for policy renewal

    Number of people covered

    Family Floater

    Residential Status

    Indian Citizens and Residents of India

    Cancellation of the Policy

    The insured can cancel the policy within 15 days from the policy starting date, by sending a written request. The premium paid will be refunded on pro-rata basis.

    If the policyholder indulges in any kind of misrepresentation, hiding facts based on pre-existing diseases, and fraud, there are chances that the Insurer may cancel the policy contract.  A written notice will be sent to the policyholder in this regard before the Policy starts to cease.


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