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Niva Bupa Rise Plan

Niva Bupa Rise Plan is a comprehensive health insurance plan that offe ...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 Rise Plan is a comprehensive health insurance plan that offers unlimited restoration of the sum insured, no room rent limits, and coverage for modern treatments. It is designed for individuals and families looking for high coverage with flexible benefits.

Why do we recommend this?
  • Smart cash benefit.
  • Premium starting at Rs 6,915.
  • Exciting add-on cover.

Plan at a glance

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

Entry age
18 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Every year
Policy term
1, 2, 3 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

  • Modern treatment covered
  • Unlimited digital consultation
  • Smart Cash
  • Loyalty bonus

Cons

  • Investigation and Evaluation
  • Rest Cure; rehabilitation and respite care
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports

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 Not covered
  • Covid-19 treatment Covered
  • Cataract 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 Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment 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.

  • Entry age: - 18 years
  • Max entry age: - No age limit
  • SI: - INR 5L to 1 Cr
  • Waiting Period: - 30 days

Frequently Asked Questions

The 11 most-asked questions about Niva Bupa Rise Plan, answered.

Flexi-Pay allows you to pay a token amount of the premium initially and pay the remaining balance at your convenience. Early payments may qualify for discounts.
50% of your premium is returned and added to your base insured sum. This accumulated sum is then increased by 10% annually.
If you receive treatment at a government hospital and don’t file a claim under the policy, you’ll receive a Smart Cash benefit.
Like most health insurance plans, there is a waiting period for pre-existing conditions. Please refer to the policy documents for detailed information regarding waiting periods.
Yes, the plan offers unlimited digital consultations with general physicians through the Niva Bupa mobile application.
Multi-year policies offer the advantage of utilizing the full sum insured throughout the policy term and can also help with long-term financial planning.
The plan covers standard hospitalization expenses, including room rent, doctor’s fees, surgery costs, and other related medical expenses. Please refer to the policy wording for a full list of inclusions.
Niva Bupa offers both cashless and reimbursement claim settlement options. You can find detailed information on the claims process on their website or by contacting their customer service.
While the core features are standardized, you can choose your sum insured and policy term. It is best to contact Niva Bupa to discuss customization options. However, you can choose the add ons according to your need.
You can find the policy documents on the Niva Bupa website or by contacting their customer service.
You can contact Niva Bupa through their website, customer service hotline, or by visiting a branch office.

Conclusion

The Niva Bupa Rise Plan is a flexible health plan best suited for those who want affordable entry.

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: 7 Jul 2026 · Originally published: 11 Apr 2025

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