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Niva Bupa Health Premia Plan

Niva Bupa Health Premia is a comprehensive health insurance plan that ...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

Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage for individuals and their families. The plan provides extensive coverage, from maternity and newborn baby cover to emergency medical treatments worldwide.

Why Do We Recommend This?
  • Covers your entire family.
  • Worldwide maternity benefits.
  • Refill benefit for any illness in a policy year.

Plan at a glance

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

Entry age
18 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹30 L, ₹50 L, ₹1 L, ₹2 L, ₹3 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 & 2 years

*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

  • Refill benefit for any illness
  • 10% Loyalty Additions in SI
  • Tenure Discounts of up to 15%
  • Worldwide Maternity Benefit
  • In-patient care

Cons

  • No OPD Cover
  • No HIV/AIDS Covered
  • 20% co-payment
  • Pre-existing Diseases after 2 years
  • Treatment for Alcoholism

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 Not covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

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

Modern & preventive care

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

Conditions & global

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

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

All about Niva Bupa Health Insurance Company

All about Niva Bupa Health Insurance Company

Niva Bupa Health Insurance Plan Detailed Review

Niva Bupa Health Insurance Plan Detailed Review

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.

  • Entry Age: - 18 Years
  • Max Entry Age: - 65 Years
  • SI: - 3 L to 1 Cr
  • Waiting Period: - 30 Days

Frequently Asked Questions

The 5 most-asked questions about Niva Bupa Health Premia Plan, answered.

Yes. Maternity and Newborn baby coverage are available under the Niva Bupa Health Premia Plan. You can utilize the coverage after serving the waiting period. The limit for the coverage varies as per their variants.
Yes, this plan offers various discounts. If you pay for a 2-year policy then you are eligible to get a discount of 7.5% on the premium of the second-year policy.
Yes. Various add-on benefits are available under this plan such as personal accident cover, critical illness cover, health coach, hospital cash, etc.
Niva Bupa settles all the required claims in 30 minutes that helps your loved ones in case of hard times.
Under this benefit, if the policyholder passes away or is diagnosed with any of the specified illnesses, then the beneficiary will get a free extension of 1 year. The benefit is available under all three variants of the plan.

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: 1 Jun 2026 · Originally published: 27 Sep 2024

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