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

About Niva Bupa Rise Plan

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

The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designed for the middle-class section of India, the premium starts from Rs 6,915 per year. Explore features like Flexi-Pay, Return Benefit, and digital consultations, all designed to provide a more flexible and rewarding healthcare experience. Unlike traditional health insurance policies, the Niva Bupa Rise Plan is designed to give back to the policyholder. With its unique return benefit and flexible payment options, this plan is designed to help your investment in your health grow over time.

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

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 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 Rise Plan Benefits

The Niva Bupa Rise Plan offers several potential benefits that might make it a suitable choice for your health insurance needs. Here's a breakdown of how it could benefit you:

  • The 'Flexi-Pay' option allows you to manage your premium payments more effectively.
  • With the 'Return Benefit', you can add a portion of your premium to the sum insured and let it grow, essentially building a larger safety net.
  • The 'Smart Cash' benefit provides you with extra financial protection if you opt for public healthcare facilities.
  • You can get digital consultations accessible at your convenience.
  • You can go for long-term financial planning.

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

  • Flexi-pay (Apne Hisab Se) You can choose your own premium method, whether you want to pay flexibly or pay the whole amount at once.
  • Smart Cash You will receive Rs 5000 if you go for treatment at any government hospital and if the claim is not paid under the policy.
  • Return of premium Get 50% of your premium back, accumulate it, and earn 10% returns for life. No waiting periods or exclusions on this amount!
  • Pre and Post-hospitalisation This plan gives coverage for 60 days before hospitalisation and 180 days after hospitalisation up to the sum insured.
  • Loyalty Bonus You can get 10% extra cover every year, up to 100% of the base insured sum.
  • Rise-tiered network With Niva Bupa, you will get an extensive list of network hospitals. If you want to pursue treatment in a non-network hospital, you can get the coverage with a 20% copayment.
  • Multiple add-ons for extensive coverage You can choose the add-on coverage by adding 13 different add-on options.

Exclusions

  • Investigation and Evaluation
  • Rest Cure, rehabilitation and respite care
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Conflict and Disaster
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Any pre-existing diseases will be covered after a waiting period of 36 months.
  • Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident.
  • Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage.

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

Other features & benefits

Conclusion

In conclusion, the Niva Bupa Rise Plan presents a unique approach to health insurance, blending essential coverage with innovative features designed to provide long-term financial security and convenience. With its flexible payment options, growing sum insured, and digital accessibility, this plan aims to empower you to take control of your health and financial well-being, ensuring you're well-protected for the future.

The Niva Bupa Rise Plan offers a compelling package of benefits. To determine if it’s the right fit for you, carefully evaluate your individual needs.

Get a personalized quote today and experience the Niva Bupa Rise Plan's unique benefits. Call PolicyX.com to clear your doubts. We are here to help, No Spam, No Gimmicks, Only Expert Insurance Advice.

Niva Bupa Rise Plan: FAQs

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: 11 Apr 2025 · Originally published: 11 Apr 2025

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