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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
98%
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
✅ 98% 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.
98% 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.
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
- Unlimited Sum Insured
- Day 1 Pre-Existing Disease Coverage
- Automatic Sum Insured Restoration
- No Co-payment Clause
Niva Bupa Rise Plan
- Modern treatment covered
- Unlimited digital consultation
- Smart Cash
- Loyalty bonus
Niva Bupa Group Health Insurance
- 10000+ network hospitals
- Customizable group plans
- No pre-policy check-up
Niva Bupa Criti Care Plan
- 20 critical illnesses covered
- Long-term tenure savings
- Different payout options
- Tax benefits
Personal Accident Care Plan
- Child education benefit
- Funeral expenses covered
- Total and partial disability covered
Niva Bupa Senior First Plan
- High-sum insured options
- Rewards and loyalty benefits
- Multiple plan variants
Niva Bupa Health Pulse
- Optional benefits available
- 150% Refill Benefit
- Annual Health Checkup
- Emergency Ambulance
Niva Bupa Health Premia Plan
- Refill benefit for any illness
- 10% Loyalty Additions in SI
- Tenure Discounts of up to 15%
- Worldwide Maternity Benefit
Niva Bupa Reassure 2.0 Health Plan
- Personal accidents covered
- Acute Care
- Emergency Ambulance
- Three Plan variants
Niva Health Companion
- 5% Doctor Discount
- 10% Family discount
- Tenure Discounts of up to 15%
- Annual Aggregate Deductible
Niva Bupa ReAssure Plan
- Booster benefit
- Organ donor transplant
- ReAssure
- Live Healthy Benefit
Niva Bupa Money Saver Plan
- All daycare procedures covered
- Every claim-free year adds up to 20% of the base sum insured as a bonus
- Accumulated bonus doesn't reduce even after a claim
Niva Bupa Super Saver Policy
- Annual health check-up included
- Pharmacy and diagnostic services included
- Domiciliary treatment covered
Niva Bupa GoActive
- Pharmacy and diagnostic services
- Domiciliary hospitalisation
- Personal accident benefits
- Refill benefits
Niva Bupa Health Recharge
- Loyalty additions up to 50%
- Pharmacy and diagnostic services
- Personal accident cover
- Easy plan convertibility
Niva Bupa Arogya Sanjeevani Policy
- COVID-19 coverage
- Cumulative bonus
- AYUSH treatment
- Room rent cover
Niva Bupa Aspire Plan
- Overseas treatment coverage
- Booster benefit
- Covers organ donor transplant
- Second medical opinion
Niva Bupa Critical Illness
- Covers 20 critical illnesses
- 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 |
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.
Compare Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
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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
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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Maternity Health Insurance
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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