Niva Bupa Health Insurance Benefits
Claim Settlement Ratio | 91.20% |
COVID-19 Cover | Yes |
Inception | 2008 |
Incurred Claim Ratio | 54% |
Network Hospitals | 4,500+ |
Renewability | Lifetime |
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Niva Bupa Health Insurance Plan List
Name of Plan | Sum Insured | |
Corona Kavach PolicyMin : 1 Day; Max: 65 Years | 50,000 - 5 lakh | Check Premium |
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years | Check Premium | |
Health Companion PolicyMin : 91 Days; Max: 65 Years | 3 Lakh - 1 Crore | Check Premium |
Health Pulse Policy Min: 91 days; Max: 65 years | 3 Lakh - 25 Lakh | Check Premium |
Health PremiaMin: 3 Months; Max: 65 Years | 1 Lakh | Check Premium |
ReAssure Policy Min : 18 Years; Max: 65 Years | 3 Lakh - 1 Crore | Check Premium |
CritiCare PolicyMin: 18 years; Max: 65 years | 3 Lakh - 2 Crore | Check Premium |
Heartbeat PolicyMin: 18 years; Max: No Limit | 5 Lakh - 1 Crore | Check Premium |
Benefits of Niva Bupa Health Insurance
Niva Bupa Health Insurance offers creative and effective health insurance solutions to its customers. The health insurance plans offered by the insurer are tailor-made to meet different health insurance requirements of people. These plans are available on an individual or family floater basis and come with different features and coverage benefits. Starting from indemnity-based health insurance plans to fixed benefit critical illness plans or personal accident plans, the insurer offers it all.
The company has added several feathers to its cap, giving it an edge over other general insurance companies. Niva Bupa is the only health insurer labelled as a super brand for two consecutive years. Also, the company is highly trusted with a base of around 2.9 million satisfied individuals.
Niva Bupa Health Insurance offers several benefits to the insured. Some of these include 24*7 online assistance, lifetime renewability benefit, portability benefit, sum insured refill benefit, etc. Under health insurance plans offered by the insurer, you can avail smooth claim settlement, a wide network of 7,000 hospitals where you can avail cashless treatment, and Health App to avail various services such as OPD appointments with doctors, getting medicines at home, etc.
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Additional Benefit of Free Health Check up
The health insurance policies offered by Nia Bupa Health Insurance allows free health check-ups yearly or once in 2-4 policy terms. The benefit allows policyholders to monitor their health and maintain it. -
Additional Protection over Employer Coverage
Not always a health insurance policy offered by an employer covers you for all the major healthcare expenses. Here is when a Niva Bupa Health Insurance plan comes into scene. A comprehensive plan offered by the insurer covers you for all the major expenses that your employer’s health insurance plan does not cover you for. -
Cashless Benefit
Niva Bupa Health Insurance has a wide network of more than 7,000 hospitals. At these hospitals, the insured can avail cashless treatment without paying anything at the hospital, provided the healthcare expenses are covered under the policy. The insurer ensures smooth claim settlement when the treatment is availed at these hospitals. Also, the company promises to pre-authorise your cashless claims within 30 minutes of claim intimation, thereby fastening the claim settlement process. -
Claim Settlement Ratio
Niva Bupa Health Insurance has settled numerous claims over the years, thereby achieving a Claim Settlement Ratio of 89.46%. This shows that the insurer is good at handling claims of the customers. CSR is an important factor that determines if one should invest in its health insurance plan or not. But note that CSR can be changed from time to time. -
Coverage against Medical Expenses
The health insurance plans offered by Niva Bupa Health Insurance cover major healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, road ambulance expenses, domiciliary expenses, organ donor expenses, etc.
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Key Features of Niva Bupa Critical Illness Insurance Policy
Following are the features of Niva Bupa critical illness insurance plan:
- Portability benefit
- Lifetime renewability benefit
- Cashless treatment
- Hassle-free in-house claim settlement
- Discounts on premium
With Niva Bupa Criticare Policy, you can worry less about managing funds in case of a critical illness, and focus more on savings.
You can also avail of critical illness cover in other health insurance plans offered by Niva Bupa Health Insurance. These include Money Saver Policy,
Health Recharge Policy, and Heartbeat Policy. But note that critical illness cover can be availed with add-on benefits. To include these add-on covers under your policy, you will be required to pay an extra premium at the time of policy purchase.

*Tax benefits are subject to changes in Income Tax Act.
Niva Bupa Health Insurance Top Up List
Name of Plan | Sum Insured | |
Health Recharge Policy Min: 18 years; Max: 65 years | 2 Lakh - 95 Lakh | Check Premium |


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