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Niva Bupa Health Insurance

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Niva Bupa Health Insurance
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio90.70%
Network Hospitals10,000+
Pre-existing Disease Coverage FromDay 1
Special BenefitsUnlimited restoration
Starting Premium for Rs. 5 lakhs SIRs. 550/month

Founded in 2008, Niva Bupa Health Insurance Company Limited is one of the well-known insurance providers in India. Formerly known as Max Bupa, Niva Bupa aims to address the complete healthcare and medical needs of people. The company was formed by a joint venture between two companies i.e. True North, an Indian Private Equity Business, and Bupa, a global healthcare service provider. From individual to senior citizen health insurance plans, the insurer offers an array of medical insurance plans designed to meet various needs and fit different budgets. Other than health insurance, Niva Bupa also offers a diverse range of other insurance products such as travel insurance, corporate insurance, etc.[1]

About Niva Bupa Health Insurance

Niva Bupa, a trusted health insurance provider, boasts more than 1000 employees and has gained the trust of over 1.2 crore satisfied customers. The company focuses on making claiming insurance hassle-free, often settling health insurance claims in less than 30 minutes. Moreover, Niva Bupa serves a wide range of customers with personalised health insurance plans like Critical Illness plans, Personal Accident plans, etc. With the 24x7 Insta Assist and Health App, Niva Bupa makes sure that its customers have access to the best-in-class support and information whenever needed. [2]

Key Features

The critical features of Niva Bupa medical insurance are included below:

  • No Copayments: Plans like Reassure 2.0, Health Companion, and Aspire offer a feature of no copayments where you can focus on your health without the hassle of dealing with complications of monetary transactions.
  • Maternity Benefits: Niva Bupa Health Insurance Plans like Aspire and Health Premia cover maternity benefits like no additional cost to cover newborn babies, and full healthcare coverage including pregnancy, labor, and delivery.
  • Health App Convenience: Niva Bupa's Health App allows policyholders to book appointments, consult doctors online, get medicines delivered, and access health insurance details. The app was awarded the Best Tech for Health Award in 2019. [3]
  • Unlimited Restoration: Niva Bupa Health Insurance offers the unique benefit of unlimited restoration. In case the sum insured is exhausted during the policy year due to claims, this feature automatically restores the entire sum insured, providing continued coverage for any new illnesses or medical expenses.
  • Room Feature: Niva Bupa health plans have various room-related features depending on the plan and riders you choose. For example, the Health Recharge plan offers a Single AC private room while Aspire offers no capping on room rent.

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Key Metrics 

The presented table outlines the essential metrics of Niva Bupa Health Insurance:

Key Metrics


Claim Settlement Ratio (FY 2022)


Solvency Ratio (March 2023)


Lives Covered

1.2 Crore

Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered to be good to buy insurance from.

**The solvency ratio is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from. [4]

*Life covered here refers to the number of people insured and the data is taken from Niva Bupa’s official website.

InsuranceDekho is a 5-Star Partner of Niva Bupa Health Insurance

Niva Bupa Health Insurance Plan List

  • Individual (17)
  • Family (17)
  • Woman (17)
  • Blood Pressure (17)
  • Kids (17)
  • Thyroid (17)
  • Diabetes (17)
  • Parents (15)
  • Maternity (3)
  • Heart (7)
  • Senior Citizen (9)
See More Plans

Eligibility to Purchase Niva Bupa Health Insurance Plan

Below are the eligibility conditions for purchasing Niva Bupa health plans [5]:

1. Age

  • Individuals between 18 and 65 years are eligible for coverage, with extensions to 70 years in certain instances
  • Children aged 16 days to 18 years can also be included, and provisions may exist for newborn and post-natal care in some plans

2. Other Conditions Specific to Niva Bupa Health Insurance

  • During the application process, it's crucial to disclose any pre-existing health conditions

Niva Bupa Health Insurance Top Up List

    Name of PlanSum Insured
    Health Recharge Policy Min: 18 years; Max: 65 years2 Lakh - 95 Lakh Check Premium

    Top Plans Offered by Niva Bupa Health Insurance

    The top plans by Niva Bupa Health Insurance Company are tabulated below:



    Sum Insured

    Ideally Suited For

    Reassure 2.0

    Family Floater

    Rs. 5 Lakh to Rs. 1 Crore

    Family & Married Couples


    Individuals and Family Floater

    Rs. 3 Lakh to Rs. 1 Crore

    Senior Citizens, Family & Married Couples



    Rs. 3 Lakh to Rs. 1 Crore


    Health Recharge

    Individuals & Family Floater

    Rs. 2 Lakh to Rs. 95 Lakh

    Enhanced Coverage at Cheaper Cost Suitable for Individuals

    Health Premia

    Family Floater

    Rs. 5 Lakh to up to Rs. 3 Crore

    Family & Married Couples

    Riders Offered By Niva Bupa Health Insurance

    Below are the top riders offered by Niva Bupa Health Insurance:

    1. Hospital Cash: This rider covers additional cash expenses incurred during hospitalisation. The insured gets daily cash of anywhere between Rs. 100 to Rs. 10,000 depending on the plan chosen like Reassure 2.0, Health Companion or Health Premia.
    2. Safeguard: With Safeguard, for the Base Plan with a sum insured up to INR 5 Lacs, 10% of the indemnity benefit premium, including optional benefits related to indemnity, is charged. For the Base Plan with a sum insured above INR 5 Lacs, 7.5% of the indemnity benefit premium, including optional benefits related to indemnity, is charged. Valid for plans like Reassure 2.0, Health Companion.
    3. Critical Illness: Niva Bupa Health Insurance offers critical illness rider with plans like Health Premia. Health Recharge where you can get coverage for diseases like asthma, diabetes, cancer, etc
    4. Personal Accident: Plans like Health Recharge, Aspire and Health Premia offer coverage for any case of personal accident with this rider.

    *Please note: Riders can be availed by paying an additional premium for them along with your plan. Riders may vary depending on the plan you choose.

    How to Purchase Niva Bupa Health Insurance Policy?

    When considering the purchase of a Niva Bupa Health Insurance policy, you have convenient options, including online and home visit assistance.

    Purchase Niva Bupa Health Insurance Policy Via InsuranceDekho

    Buying a Niva Bupa Medical Insurance policy through InsuranceDekho is a seamless and rapid process. You can choose any of the two ways to secure your policy online:

    Steps for Purchasing Niva Bupa Health Insurance Policy with InsuranceDekho Online:

    Step 1: Provide Details on InsuranceDekho Website

    Initiate the process by visiting the health insurance page on InsuranceDekho. Fill in essential details such as your name and phone number in the provided form.

    Step 2: Select the Most Suitable Plan

    Choose the Niva Bupa health insurance plan that best aligns with your requirements and fits your budget.

    Step 3: Pay the Premium Amount

    Complete Proposal Form 1 with the necessary details, answer two health-related questions in Proposal Form 2, submit your KYC, and make the premium payment.

    Step 4: Post-payment Assistance

    After completing the premium payment, an InsuranceDekho relationship manager will reach out to guide you through the policy issuance process.

    Purchase Niva Bupa Health Insurance Policy from InsuranceDekho with Complete Assistance

    Step 1: Enter Information on the InsuranceDekho Website

    Visit and enter your basic details, including mobile number, age, and pin code.

    Step 2: Compare Available Niva Bupa Health Plans

    Based on your provided details, a list of the most suitable Niva Bupa health insurance plans will be presented.

    Step 3: Request a Call Back

    If you require further assistance, you can request a callback by updating the inquiry on the plan page. Additionally, for added support, an InsuranceDekho relationship manager can be arranged to visit your home and provide personalised assistance.

    Purchase Niva Bupa Health Insurance Policy From Insurer’s Website

    Following are the steps that you need to perform to buy Niva Bupa health plan via the insurer's website:

    Step 1: Open the official Niva Bupa health insurance website.

    Step 2: Enter your mobile number, name, and DOB in the required field.

    Step 3: Click on "Start Now" and the list of all Niva Bupa Health Insurance plans will be visible.

    Step 4: Select the right plan as per your requirements and complete the premium payment.

    Following a successful payment, you will obtain confirmation of your purchase.

    Benefits of Purchasing your Policy from InsuranceDekho

    • With InsuranceDekho, you will get dual claim assistance that will ensure a smooth claim settlement process
    • We help you in getting priority approvals from insurers
    • May it be making changes to your existing policy or renewing it, we at InsuranceDekho have got you covered
    • We recommend health insurance plans through a thorough analysis of the industry, ensuring impartial recommendations

    Documents Required for Purchasing Your Policy

    The following paperwork needs to be submitted when purchasing the Niva Bupa Health Insurance Plan:

    • Proposal Form copy or OTP verification
    • Any of the age verification documents including Voter ID, PAN card, Aadhaar Card, Driver's License, or Passport
    • Any of the documents supporting address proof such as Ration card, Driver's license, Passport, Rent agreement if applicable, PAN Card, Aadhaar Card, or Utility Bills
    • Passport-size photographs
    • Medical reports

    How to Claim Your Health Insurance?

    Niva Bupa's Cashless Everywhere claims settlement feature allows policyholders to choose cashless treatments at any hospital, even those outside the network, with certain conditions. For planned non-network hospital treatments, inform Niva Bupa 48 hours in advance, and for immediate emergencies, inform them within 48 hours of admission. Remember, getting approval for cashless treatment at non-network hospitals depends on the rules in your policy and the agreements with the hospital.

    Check the list of excluded hospitals [6] at Niva Bupa’s website. Niva Bupa won't be able to cover any claims for treatment received at these hospitals.

    Get your Niva Bupa Health Insurance claim settled faster
    with InsuranceDekho

    Awards and Achievements of Niva Bupa Health Insurance

    • Best BFSI Brands in 2023 by The Economic Times
    • The Economic Times Best Brands Award in 2019 by The Economic Times and Nielsen
    • GoActive Health Insurance Plan was recognised as Product of the Year by research agency Nielsen in 2018
    • IT Management Best Practices at the Celent Model Insurer Asia Awards in 2016
    • Golden Peacock Award in 2015 for its product Heartbeat Health Insurance Plan
    • Best Product Innovation Award for Heartbeat Family First at Indian Insurance Awards in 2011

    Niva Bupa Health Insurance - Customer Service & Support

    Whether you have queries, need assistance, or wish to share feedback, their customer service team ensures a seamless experience. You can contact Niva Bupa's Customer Support [7] team through:

    • Niva Bupa Health Application
    • Insta Assist Section on their website
    • Use their "Chat With Us" option on the website
    • Send "Hi" or "Hello" on Whatsapp Number 9811956696

    Also, feel free to connect with InsuranceDekho's Customer Support Team either through email at or by giving them a call at +91-755 1196 989.

    Complaints & Grievance Redressal

    If you ever have any concerns or grievances, Niva Bupa's efficient Grievance Redressal Process [8] is in place to tackle them. You can contact them in the following ways:

    If the complaint is still not resolved, contact Grievance Redressal Officer, Vikar Alam, at If you are not satisfied yet, you can escalate the issue to the Insurance Regulatory Authority through the IRDAI Grievance Call Centre.

    In case of any concerns or complaints, you can also contact Mr. Rohit Khurana, InsuranceDekho's dedicated Grievance Redressal Officer, at In case your issue persists, you have the option to escalate it to the Principal Officer by reaching out to Additional details can be found on our Grievance Redressal page.



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    • Prompt Claim Settlement

      I had to make a claim recently, and I was impressed with how quickly InsuranceDekho processed it. They were efficient and handled everything smoothly. Getting my claim settled by Niva Bupa Health Insurance was hassle-free.

      Niva Bupa
      By Shubham Arora
      On: Jul 04, 2024
    • Comparison made easy with grea...

      Competitive prices are offered on comprehensive coverage by Niva Bupa health insurance packages. Their emphasis on preventative healthcare is what distinguishes them; their wellness initiatives encourage healthy living and aid in sickness prevention before it arises. All thanks to InsuranceDekho and their expert advisors for guiding me to Niva Bupa Health Insurance. InsuranceDekho has exceptional customer support staff.

      Niva Bupa
      By Komal Shehrawat
      On: Jun 26, 2024
    • Budget Friendly Plans

      "Thanks to InsuranceDekho, I finally discovered a Niva Bupa health insurance plan that met my requirements and budget. Their website was really user-friendly, and I was able to comprehend everything without the need for an insurance professional. Niva Bupa's policies were clearly put out, allowing you to make an informed decision. I definitely recommend utilising InsuranceDekho to locate your ideal health insurance plan!"

      Niva Bupa
      By Ritika Nehra
      On: Jun 05, 2024
    • Claim settlement made easier w...

      To be honest, one of my best decisions in life was to get Niva Bupa Health Insurance. Purchasing their Health Companion Plan changed my life, particularly during difficult times. Everything went well from the moment I submitted my claim until it was all resolved. I had assistance from the InsuranceDekho team at every turn. It was a tremendous relief not to have to worry about money and instead focus on getting healthier.

      Niva Bupa
      By Abha Yadav
      On: May 21, 2024
    • Simple To Understand This Poli...

      The Health insurance plans available on the InsuranceDekho website are quite easy to understand. In no time I was able to buy the Niva Bupa Health Insurance Plan and I am very happy. Thank You!

      Niva Bupa
      By Ritika Narula
      On: Apr 02, 2024