How does the waiting period affect coverage?

A 30-day waiting period applies, with pre-existing diseases covered after 48 months and specific conditions after 24 months, ensuring long-term policy sustainability and effective risk management.

What if I don’t use my health insurance benefits for a year?

A No Claim Bonus increases your sum insured yearly, rewarding claim-free years with additional coverage at no extra cost, ensuring greater financial security for future medical expenses.

Does the Niva Bupa Aarogya Sanjeevani Plan cover treatment abroad?

Standard coverage applies within India, but optional add-ons may offer limited international medical emergency coverage. Consider separate global insurance for comprehensive worldwide protection.

Does Niva Bupa Arogya Sanjeevani cover pre-existing diseases?

Yes, Niva Bupa Arogya Sanjeevani covers pre-existing diseases after a 48-month waiting period.

OneAssure

Health Insurance

Niva Bupa

Arogya Sanjeevani

Niva Bupa Arogya Sanjeevani

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.2

Customer Rating

Policy Brochure

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.2

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Niva Bupa Arogya Sanjeevani

Final Verdict

The Niva Bupa Arogya Sanjeevani Plan offers essential coverage with cashless treatment, pre- and post-hospitalization expenses, and no-claim bonuses. Ideal for individuals and families seeking affordable, straightforward health protection.

About

About Niva Bupa Arogya Sanjeevani

The Niva Bupa Arogya Sanjeevani Plan is a simple and affordable health insurance policy that provides essential coverage for individuals and families. It offers financial protection against hospitalization costs, including pre- and post-hospitalization expenses, surgery, and daycare treatments. The plan provides coverage for up to 100% of the sum insured for hospitalization expenses, with an option to avail cashless treatment at an extensive network of hospitals. It also covers modern treatments and offers additional benefits such as no-claim bonuses and free medical check-ups. With an easy-to-understand structure and cost-effective premiums, the Arogya Sanjeevani Plan is ideal for those seeking reliable...

The Niva Bupa Arogya Sanjeevani Plan is a simple and affordable health insurance policy that provides essential coverage for individuals and families. It offers financial protection against hospitalization costs, including pre- and post-hospitalization expenses, surgery, and daycare treatments. The plan provides coverage for up to 100% of the sum insured for hospitalization expenses, with an option to avail cashless treatment at an extensive network of hospitals. It also covers modern treatments and offers additional benefits...

Arogya Sanjeevani Ratings

Ratings: Niva Bupa Arogya Sanjeevani

Insurer Rating

7.1

out of 10

Insurance Rating

1

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Arogya Sanjeevani

Room Rent

Normal: single A/C private room
ICU: no limit, expenses incurred would be covered by the policy.

Advanced Treatments

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

Cashless Healthcare Providers

10675+ network hospitals.

Waiting Period

Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.

Daycare Treatment

Covered by the policy.

AYUSH Treatment

Covered by the policy.

Room Rent

Normal: single A/C private room
ICU: no limit, expenses incurred would be covered by the policy.

Advanced Treatments

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

Exclusions

Treatment of any illness within 30 days from the first policy commencement date, except claims arising due to an accident.
Pre-existing diseases until the expiry of 36 months of continuous coverage after the date of inception of the first policy.
Expenses related to any admission primarily for diagnostics and evaluation purposes.
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.
Expenses related to the surgical treatment of obesity that does not fulfill specified conditions.

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About the company

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened...

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage...