Niva Bupa Money Saver Health Insurance Plan
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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Bupa Money Saver Plan

This health insurance plan combines two separate health plans: Niva Bu ...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 insurance plan combines two separate health plans: Niva Bupa Health Companion and Niva Bupa Health Recharge. It is available in two categories: individual plan and family floater plan.

Why Do We Recommend This?
  • A 20% cumulative bonus is added for every claim-free year.
  • A 100% sum insured refill benefit upon partial/full exhaustion.
  • Choose any room except a suite.

Plan at a glance

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

Entry age
Minimum- 3 Months Maximum- 65 Years
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
NA
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

  • All daycare procedures covered
  • Every claim-free year adds up to 20% of the base sum insured as a bonus
  • Accumulated bonus doesn't reduce even after a claim

Cons

  • Oral or dental treatment not covered
  • Cure and rehabilitation not covered
  • Incidental diagnostic procedures 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 Not covered

Bonuses & restoration

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

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not 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 Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not 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.

  • Minimum-: 3 Months Maximum- 65 Years

Frequently Asked Questions

The 5 most-asked questions about Niva Bupa Money Saver Plan, answered.

Niva Bupa Money Saver health plan is a comprehensive policy that is suitable for an individual policyholder as well as a family.
The maximum coverage for the base sum insured of the Niva Bupa Money Saver plan is INR 1 Crore.
Yes, you can avail of a lifelong renewability benefit which allows you to keep renewing this policy for as long as you want to.
The Money Saver health policy consists of these two health plans- Health Companion and Health Recharge to provide maximum benefits at an affordable premium rate without losing on comprehensivity of the medical coverage benefits.
No. The plan does not cover the costs of such treatment.

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: 10 Oct 2024

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