Niva Bupa GoActive Plan: Check Benefits and Coverage
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Niva Bupa GoActive

Available for families and individuals, GoActive is a versatile health ...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

Available for families and individuals, GoActive is a versatile health plan offering a sum insured of up to INR 25 lakhs. With this health plan, you can avail features such as refill benefits, personal accident cover, and more.

Why Do We Recommend This?
  • Personal accident coverage against accidental death, permanent total and partial disability (PTD and PPD).
  • Refill your sum insured up to 100% in case you exhaust your base sum insured.
  • Avail 3 to 10 OPD consultations per year based on your family coverage size and sum insured.

Plan at a glance

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

Entry age
91 days to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹7 L, ₹10 L
Waiting period
30 days
Renewability
Lifetime
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

  • Pharmacy and diagnostic services
  • Domiciliary hospitalisation
  • Personal accident benefits
  • Refill benefits
  • Daily health coaching

Cons

  • Maternity benefit not available
  • Adventure sports not covered
  • HIV/AIDS not covered
  • Cosmetic surgery not covered
  • War injuries not covered

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 Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI 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 Not covered
  • Organ donor expenses Covered

Modern & preventive care

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

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage 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- 18 Years
  • Max. Entry Age- 65 Years
  • SI: - 4 - 10 L
  • Initial Waiting Period: - 30 Days

Frequently Asked Questions

The 5 most-asked questions about Niva Bupa GoActive, answered.

Yes, this plan covers up to 10 OPD consultations (as per your policy terms and conditions/coverage)
Yes. The coverage for required health check-ups is available with this plan and you should check it out in your policy documents.
Yes, there are deductible options ranging from INR 25,000 to 10 Lakhs.
This plan covers accidental death, accidental permanent partial disability, and accidental permanent total disability up to INR 25 - 50 Lakhs.
AYUSH treatment is excluded but specifically in-patient treatment under Siddha, Unani, Ayurveda, and Homoeopathy is covered under the GoActive policy.

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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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