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

About Niva Bupa GoActive

A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.

Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs.

There could be several instances that lead to hospitalisation, which can be financially burdensome. Owning health insurance can provide the comfort of financial security. It's advisable to buy health insurance at a younger age or by your 30s. The Niva Bupa GoActive health plan offers an early age AdvantAGE, ensuring lower premiums on every renewal with exciting renewal discounts.

The Niva Bupa GoActiveTM plan is comprehensively designed for individual or family floater needs. It covers hospitalisation expenses, alternative treatment benefits, home health care, and more. Additional benefits include a behavioural assistance program and personal health check-ups. The family floater variant provides complete coverage for your family members.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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

Choose your Niva Bupa GoActiveTM family floater plan:

  • 1 Adult
  • 1 Adult + 1 Child
  • 1 Adult + 2 Children
  • 2 Adults
  • 2 Adults + 1 Child
  • 2 Adults + 2 Children
  • 2 Adults + 3 Children
  • 2 Adults + 4 Children

Additionally, the plan includes a refill of the sum insured benefit under its optional cover, I-Protect, ensuring a subsequent claim in the same policy year up to 100% of the base sum insured.

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Health coaching The app provides regular health coaching to encourage healthy living. Track your health activities by installing the app on your phone.
  • I-Protect This plan offers a 10% loyalty increment with the base sum insured, without capping medical expenses. Benefit from this on every renewal to manage rising medical bills.
  • Personal accidental coverage Covers injuries, hospitalisation, and treatment due to accidents. Also covers accidental death and permanent partial and total disabilities.
  • Annual aggregate deductible top-up Get a top-up for an annual aggregate deductible option ranging from INR 25,000 to 10 Lakhs.

Exclusions

  • Pre-existing diseases (as specified in the policy wordings)
  • Behavioral, neurodevelopmental, neurodegenerative, and sleep disorders
  • External congenital anomaly, HIV/AIDS, sexually transmitted diseases or infections, and related conditions
  • AYUSH treatments (except in-patient hospitalisation related to alternative therapies)
  • Dental, eyesight, and optical treatments
  • Experimental or unproven, inconsistent, irrelevant, or incidental diagnosis
  • Obesity/weight control treatments
  • Drug or alcohol abuse, rehabilitation due to drug addiction
  • Puberty and menopause treatments related to women's health, reproductive supplementation, and maternity newborn cover expenses
  • Robotics-assisted surgical, LASER, and light-based treatment
  • Worldwide medical treatment coverage (excluding emergency hospitalisation due to accidental disability or death)
  • Unlawful activity
  • Unrecognized physician or hospital treatment/hospitalisation
  • Service in the armed forces, police organisation, at war, or service in force of an international institution, participation in naval, military, or air force operations
  • Participation in marine or aviation activities as mentioned in the policy schedule

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

Other features & benefits

Benefits of Niva Bupa GoActive Insurance Policy

Niva Bupa GoActive plan comes with ultimate health benefits. Apart from that, there are other major benefits of this plan as well:

  • Early age AdvantAGE

    If you start your policy at 35 years or younger, you will receive lifetime discounts on your health policy renewal. Additionally, you'll get a 10% discount on the payable premiums in the first year and beyond.

  • Comprehensivity

    The plan covers in-patient and out-patient hospitalisations, pre and post-hospitalisations, OPD consultations, annual health check-ups, home healthcare cover benefits, and more.

  • I-Protect

    This optional cover under the Niva Bupa GoActive plan offers a 10% increase in the base sum insured. Regardless of the number of claims, loyalty benefits and policy renewal without breaks are standout features.

  • Behavioural assistance programs

    Receive up to three expert counselling sessions on pre-marital concerns, nutritional information, stress management, and parenting. Avail these services by calling +91 72900-44777.

  • Tax benefits

    Avail tax exemption benefits under Section 80D of the Income Tax Act, 1961.

Niva Bupa GoActive Plan: FAQs

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.

Explore Niva Bupa Health Insurance

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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: 19 Mar 2024 · Originally published: 27 Sep 2024

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