Niva Bupa Arogya Sanjeevani Policy: Key Benefits and Coverage
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Niva Bupa Arogya Sanjeevani Policy

This health policy is an indemnity plan that provides coverage for wha ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

This health policy is an indemnity plan that provides coverage for what many insurance plans couldn't offer at an affordable premium. The plan is available as an individual and a family floater health policy.

Why Do We Recommend This?
  • The maximum sum insured you can opt for is Rs 10 Lakh.
  • You can cover your spouse, children, parents, and parents-in-law.
  • It is the mandatory government plan offered by the private company.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
3 Months - 25 Years (Family plan) 18 - 65 Years (Individual plan)
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹80 L, ₹1 L, ₹5 L, ₹10 L
Waiting period
30 days
Renewability
After 1 year
Policy term
1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups

Cons

  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. Entry Age: 3 Months - 25 Years
  • Adult Entry Age: - 18 - 65 Years
  • SI: - 50000 - 10 L
  • Initial Waiting Period: - 30 Days

Frequently Asked Questions

The 5 most-asked questions about Niva Bupa Arogya Sanjeevani Policy, answered.

The maximum sum insured under this plan is up to INR 3 Lakhs to a maximum of 2 Crores.
Yes, the Niva Bupa Arogya Sanjeevani Policy covers the treatment for COVID-19.
Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.
It offers family floater plan benefits so your spouse, parents/ in-laws/ children (3 months-25 years) or all can be covered under the same policy.
No, there is no variant of Arogya Sanjeevani’s policy of Niva Bupa.

Conclusion

Arogya Sanjeevani policy is an indemnity policy specially designed to offer basic and standard medic

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 27 Sep 2024

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