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

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.2

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

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 Health Insurance

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 and straightforward health insurance coverage.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

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.

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.

Cashless Healthcare Providers

10675+ network hospitals.

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.

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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 its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects...

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...