Niva Bupa Health Premia Plan - Know Features and Buy Online
Buy Now
Summarize with
ChatGPT Claude Perplexity
Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

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
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

About Niva Bupa Health Premia Plan

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

Health Premia is a health insurance plan that covers hospitalization expenses along with key medical needs like pre and post-treatment costs, daycare procedures, and emergency care. It also offers higher sum insured options and added benefits like restoration of cover and global treatment support, making it suitable for both individual and family protection.

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

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 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 Premia Additional Benefits

  • Critical Illness Cover

    Niva Bupa Health Premia Plan provides enhanced protection coverage against 20 critical illnesses such as heart surgery, cancer, kidney failure, heart strokes, etc. Additional coverage is provided as a lump sum amount upon the first diagnosis of any of the illnesses.

  • Daily Hospital Cash Benefits

    This plan provides a lump sum amount daily in case of hospitalization and covers miscellaneous expenses incurred during hospitalization.

  • Personal Cover For Accidents

    Using this optional cover, a lump sum amount is paid in case of permanent and partial disability or accidental death. Anyone from the family can opt for this cover who is aged 18 years or above.

  • Health Guide

    Niva Bupa Health Coach App helps track your health parameters such as calorie intake and BMI on a daily basis.

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 →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Niva Bupa Health Premia Sample Premium Illustration

Take a look at the below-given sample premium illustrations under different variants and with growing age for an SI of 10L.

For Silver Variant

Age Premiums for Individuals Premiums for Family Plan
30 12,274 29,509
40 16,953 33,447
50 27,750 49,532

For Gold Variant

Age Premiums for Individuals Premiums for Family Plan
30 16,436 40,336
40 22,081 45,143
50 35,708 64,935

For Platinum Variant

Age Premiums for Individuals Premiums for Family Plan
30 52,391 1,19,697
40 63,627 1,29,847
50 93,994 1,74,752

Inclusions & exclusions

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

Inclusions

  • Inpatient hospitalization expenses
  • Pre and post-hospitalization cover
  • Daycare treatments
  • Ambulance charges
  • AYUSH treatment coverage
  • Organ donor expenses
  • Maternity and newborn cover (as per plan variant)
  • Optional global treatment cover
  • Restoration of sum insured
  • No claim bonus benefits

Exclusions

  • Every health insurance plan has a set of services that are excluded from its list of plan benefits. Take a look at the below exclusions of the Niva Bupa Health Premia Plan:
  • Permanent diseases or health conditions that are not included under ICICI Lombard Complete Health are:
  • Hazardous activities
  • Sexually Transmitted Infections and Diseases
  • Unlawful activity
  • Suicidal death claims
  • External Congenital Anomaly
  • Self-inflicted injuries
  • Certain diseases and treatments are covered under the Niva Bupa Health Premia Insurance plan after a certain period. Read the details below:
  • Specific ailments after 12 Months
  • Pre-existing diseases after 24 Months

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

Other features & benefits

  • Zonal Coverage available
  • Pharmacy and diagnostic services
  • Opt for additional features
  • Living Organ Donor Benefit
  • Premium waiver and portability

Niva Bupa Health Premia Plan: FAQs

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

Health Insurance Articles

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.

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: 7 Aug 2023 · Originally published: 27 Sep 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,682 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free