General

Niva Bupa Health Insurance

August 4, 2025

Your health is the most important asset in your fast-paced life today. When medical costs are increasing at a high rate, any illness or unexpected hospitalisation makes you empty your savings within no time. It is when having health insurance is a real lifesaver. Niva Bupa Health Insurance is one of the best-known names in the health insurance market of India.

Niva Bupa was earlier called Max Bupa and it established a niche in the Indian market through its strategy of putting the customer first, offering flexible health plans and quick settlement of claims. Niva Bupa has something to offer to everyone whether you are a young professional, a parent or a senior citizen. So, let us look into all you need to know about Niva Bupa Health Insurance, including its features and benefits, which plans are popular, and what makes it the right health insurance to consider.

Here we go!

Overview of Niva Bupa Health Insurance

Niva Bupa Health Insurance Company Limited is a partnership between Fettle Tone LLP ( an affiliate of True North ) and Bupa Singapore Holdings Pte. Limited. It is among the most prominent standalone health insurance providers in India, and it specialises in providing complete health insurance services only.

Niva Bupa is famous for:

An array of impressive health plans.
Quick claims, no paper.
Open policies that have no hidden provisions.
A large network of hospitals in India.

What is the aim of the company? To ensure providing quality health insurance and make it affordable to all Indian households.

Why Should You Buy Niva Bupa Health Insurance Plans?

These are some of the reasons as to why you should purchase Niva Bupa Health Insurance Plans-

Variety of Plans to suit Every Need

Niva Bupa provides personalised health insurance solutions to an individual, family, senior citizens and even provides critical illness cover. There exists a plan that suits every stage of life.

Flexible Sum Insured Options

The coverage options can be selected as ranging between 1 lakh to 3 crores, according to your medical and financial needs. Such flexibility will enable you to choose greater protection without being distraught with medical inflation in the future.

Paperless and Fast Claims

Niva Bupa is known for its ‘30 minutes cashless claim’ promise in the majority of network hospitals. The seamless digital process makes the claim process a hassle free experience with minimum paper work, during an emergency.

No Room Rent Limit

Most mediclaim insurance policies do not have a room rent restriction. Hence, you can receive treatment in any hospital room of your selection, with the exception of a suite.

Wide Hospital Network

Get the benefits of cashless treatment in more than 10,000+ network hospitals in India. You are more likely to find a network hospital , whether you are in a metro or a tier-2 city.

Holistic Coverage Advantages

Pre and post-hospitalisation, daycare procedures, ambulance cover, organ transplant etc are parts of the health insurance plans. There are policies that provide OPD, maternity and wellness services as well.

Different Niva Bupa Health Insurance Plans Available in India

1. Niva Bupa ReAssure 2.0 Plan

Overview:

ReAssure 2.0 plan is a superior health cover policy that provides overall financial security by ensuring that an insured amount can be reinstated any number of times. It perfectly suits individuals and families who need extended coverage without having to think of losing their sum insured.

Highlights:

Unlimited reinstating of the sum insured as a result of unrelated illnesses.
Claim is not available in the first year in ReAssure Forever.
Booster+ benefit, which can increase the base sum insured after two years by twice the amount, in case no claims are made.
Daycare Treatments and OPD are covered.
Coverage available in the range of 5 lakhs to 1 crore.
10, 000+ network hospitals where you can have cashless treatment.

2. Niva Bupa Health Companion Plan

Overview:

The health companion plan is a low-cost insurance policy that is meant to cover an individual, couple or a nuclear family. It covers hospitalisation in a comprehensive manner that includes day care treatments and other medical expenses.

Salient features and advantages:

This insurance plan comes in three variations to meet various requirements.
The sum insured is ranged from 2 lakhs to 1 crore.
Covers the costs of hospitalisation, pre and post hospitalisation, and daycare treatments.
The claim payment is on a direct basis and without the use of third party administrators (TPAs).
Annual health check-up is available in some of the variants.
Higher variants include newborn baby and maternity cover.

3. Niva Bupa Health Pulse Plan

Overview:

Health Pulse is an intelligent and cost effective package that is tailored towards first time purchasers as well as youthful people. It has vital protection with OPD and diagnostic advantages.

Features & Advantages:

Two variants of the plan are available: Classic and Enhanced.
The sum insured ranges between 3 lakh to 25 lakh.
Covers consultations, diagnostics, and vaccinations in OPD.
Includes health awareness, wellness services.
Includes hospitalisation coverage, day care, ambulance and 2nd medical opinion coverage.
Cashless claims and round the clock customer service are available.

4. Niva Bupa GoActive Plan

Overview:

The Niva Bupa GoActive plan fits the needs of active people and families that are concerned about preventive care. It compensates for treatment , provides wellness advantages and makes sure that there is a balanced approach towards healthcare.

Highlights & Advantages:

Covers additional expenses related to doctor visits and diagnostic tests.
Provides Health Mentor, online doctor consultation and behaviour counselling.
Offers a special app that provides daily health targets and routines.
The availability of a cashless treatment over a large network of empannelled hospitals.
Plans are available with sum insured up to 25 lakh.
It is suitable for young professionals and working couples, as well as health-conscious consumers.

5. Niva Bupa Senior First Plan

Overview:

Here is a product targeted to meet the needs of the senior citizens only. This insurance plan provides specialised care, low co-pay, high coverage and few limitations. It is designed to fit the necessities of individuals that are 60 years and older.

Major Features and Benefits:

No pre-medical examinations are required before attaining 75 years.
Only 15 % co-pay for all types of claims.
The sum insured can be increased to 25 lakhs.
Daycare, hospitalisation, AYUSH treatment, and home care are covered.
Coverage of pre and post hospitalisation.
Ambulance cover and domiciliary hospitalisation.

6. Niva Bupa Health Premia Plan

Overview:

Health Premia is a premium package that provides worldwide coverage to the client who is interested in an extensive coverage. It serves HNIs, regular travellers and individuals seeking overseas treatment facilities.

Important Features:

Global medical cover for certain procedures.
The sum insured can go up to Rs 30 crore.
Covers organ transplant, maternity and new born benefits.
Includes vaccination, annual health check-ups, and mental healthcare.
Available in different variants- Silver, Gold, and Platinum.
Provides personal accident insurance and worldwide emergency assistance.

7. Niva Bupa Money Saver Plan

Overview:

The Money Saver Plan consists of a cost effective combination of top-ups and base cover which not only has a higher benefit but also comes with a reasonably lower premium. It is also perfect for people looking for extended coverage but have budget constraints.

Main Features and Advantages:

Top-up + Base Plan coverage with two variants.
Has a range of sum insured between 5 lakh and 1 crore.
Reduced premium as compared to traditional plans.
Coverages include hospitalisation costs, surgeries, and serious illness.
Wide network of cashless hospitals and 24/7 customer service.
Annual health check-up and wellness benefits.

8. Niva Bupa CritiCare Plan

Overview:

The Niva Bupa CritiCare is a health insurance plan which is designed to provide lump-sum amounts for treatments of specified critical illnesses. It guarantees financial assiatance in times of significant health emergencies.

Primary Features and Advantages:

It covers 20+ critical illnesses such as cancer, heart attack, kidney failure etc.
Lump-sum payout can be made available after the initial diagnosis
The sum insured ranges between 3 lakh to 2 crores.
No hospital bills are required; the diagnostics reports are sufficient.
Assists in coping with non-medical expenses such as loss of income, lifestyle changes, and rehabilitation.

9. Niva Bupa Arogya Sanjeevani Policy

Overview:

The Arogya Sanjeevani insurance policy is a standardised health policy approved by IRDAI and includes diverse plans of all. This plan by Niva Bupa offers low cost protection to both individuals and families alike.

Features and Advantages:

The insured amount ranges between Rs 1 lakh to Rs 5 lakh.
Hospitalisation cover, which will include AYUSH treatments, cataract operations and daycare treatments.
No claim bonus of 5 percent gets accumulated every year.
Costs of pre- and post-hospitalisation are covered.
Anyone in the age group of 18 to 65 years can get enrolled
Premiums are affordable and have no sub-limits on diseases.

How to File a Claim with a Niva Bupa Health Insurance Plan?

Given below is a step-by-step procedure of filing a claim under a Niva Bupa Health Insurance Plan in India under both the cashless method and the reimbursement method:

A. The Process of filing a Cashless Claim with Niva Bupa

Step 1: To begin with, you must first find a Network Hospital. Go to any of the hospitals in the list of 10,000+ hospitals empannelled with Niva Bupa. The list is available on their web site or the official app.

Step 2: Submit your Niva Bupa Health Card or Policy Information at the insurance desk of the hospital

Step 3: Before hospitalisation, the hospital will issue a pre-authorisation request to Niva Bupa, with a mention of the cause of hospitalisation and the expected charge.

Step 4: Niva Bupa assesses and approves the claim (typically takes at the most 30 minutes, in case of planned or emergency admission).In case of the necessity of any other documents, the insurer will contact you or the hospital.

Step 5: After the approval is available, you can receive the treatment without incurring the covered costs. You do not need to pay anything at discharge, except for the non-covered expenses (e.g. personal items, and so on).

B. The Process of Filing a Reimbursement Claim with Niva Bupa

Step 1 : Visit any Hospital and Get Treatment

You will be required to incur the expenses on your own, in case you visit a non -network hospital or make no cashless claim.

Step 2: Compile all Documents

You should make sure to keep a proper record of all original medical reports, discharge summary, hospital bills, prescriptions, investigation reports and other payment receipts.

Step 3: Claim Form Download

Go to the Niva Bupa website or app from which the reimbursement claim form can be downloaded. Enter all the necessary information.

Step 4: Submit the Documents to Niva Bupa

Submit the filled claim form and required documents to the office of the Niva Bupa by courier or upload them online on their official portal/app.

Step 5: Review and Settlement of the Claim

Based on the claim, Niva Bupa will evaluate and approve the claim. The same will then be paid to your specified bank account. Intimation of the status and payout of the claim will be communicated to you through SMS/email.

How to Buy Niva Bupa Health Insurance Plans?

This is a step-by-step procedure of how to get a Niva Bupa Health Insurance plan in India:

Step 1: Assessment of Personal Needs

Who should be covered: self, spouse, children, parents.
Choose a sum insured depending on the age, health concerns, medical inflation. The sum insured may vary in the range of 5 lakh to 1 crore or even more.
Determine what you require: OPD benefits, wellness programs, maternity, critical illness etc.

Step 2: Go to the official Company site or App

Visit niva bupa.com or download the Niva Bupa Health Insurance app.
At the home page, go to the ‘Buy Online’ or ‘Get a Quote’ section.
Choose your preferred type of plan (e.g., individual, family, senior citizen).

Step 3: Quote and Comparison

Fill in the simple information such as age, sex, city, member quantity.
Select sum insured and variants or options (such as Classic/Enhanced or Silver/ Gold).
Check out the premium estimates at once. Compare features by variants (such as, add-ons, wellness benefits, co-payments).

Step 4: Enter Your Information

Provide personal details: name, contact, DOB and address.
Write down the name of all insured persons , along with their age and relationship.
Be honest when asked questions related to medical history. Please note that pre-existing medical conditions can influence the prices and the waiting time.
Add mandatory documents (photo ID, address proof, family members proof etc).

Step 5: Select Add-ons and Payment method

Choose value-added benefits if required: maternity, augmented OPD, critical illness riders, etc.
Compare discounts: Multi year policy, no-claim bonus and so on
Pay safely through debit/credit card, net banking, UPI. You can make the payment in lumpsum or in installments.

Step 6: Get Your Policy Documents

Once you have paid, in a few minutes, you will receive an e-mail with the Policy Schedule and the e-policy in PDF.
Please download the policy and the digital health card.
These documents should be saved properly so that they can be accessed easily at the time of claims or during emergencies.

Step 7: Enable Wellness & Support Services

Enter your Niva Bupa account or app.
Set up a profile and turn on services ( such as Online OPD services, Wellness coach and Preventive health monitor)
Write down the policy number, customer care information and the list of network hospitals in your area.

Step 8: Seek the advice of an Advisor

In case of any doubt, call the helpline of Niva Bupa or get a call back via the official site/ app.
An advisor should be able to explain the plan differences, assist in proper coverage and customise a policy to cater to your unique needs.

Important Tips:

Opt for a multiyear policy in order to get an insurance rate lock in and access discounts.
There should always be a check on waiting periods in cases of pre-existing conditions, maternity and critical illness cover.
Take advantage of health check-ups, wellness benefits and other useful app features, as they come with no additional charge and are part of your plan.
Always have the policy details available with you. The Niva Bupa app is quite handy in this regard.

The Bottomline:

Niva Bupa has an extensive range of health insurance plans, enabling them to meet the various needs of every person- be it a young working professional, family, a senior citizen or anyone travelling to different countries. The ReAssure 2.0 has some of the richest features, but there are also cheaper plans (such as the Health Companion plan).

The age, the state of health, your financial means and future requirements are factors that should be taken into consideration when selecting a plan. You can be assured of quality healthcare protection with the good hospital network of Niva Bupa, efficient claim support and wellness services.

Remain protected financially and medically! Take the Niva Bupa Health Insurance Policy that suits your needs perfectly.