How does the waiting period affect my coverage?

Family First policy covers pre-existing conditions after 36 months and specific diseases after 24 months.

What happens if I don’t use my health insurance benefits for the entire year?

No-claim years increase sum insured through a no-claim bonus, enhancing policy coverage for future medical needs.

Will my health insurance cover treatment abroad?

The policy does not cover overseas treatments; coverage is limited to medical expenses within India only.

Does Niva Bupa Family Health Insurance cover maternity benefits?

Yes – Niva Bupa Family Health Insurance does offer maternity benefits as an in‑built cover (for both normal and C‑section deliveries, prenatal/postnatal care, newborn expenses) under its family/floater variants, subject to a 2‑year waiting period, with coverage up to ₹1–2 L per delivery depending on the plan

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Health Insurance

Niva Bupa

Health Companion Family First Plan

Niva Bupa Family First Plan

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

7.3

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.3

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

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Final Verdict

Niva Bupa Family First is ideal for large families needing extensive coverage. It offers maternity and alternative treatments but has a two-year waiting period for maternity benefits and potential high premiums.

About

About Niva Bupa Health Insurance

The Niva Bupa Family First health insurance plan is designed to provide comprehensive coverage for large families, accommodating up to 19 relationships under a single policy. It offers extensive hospitalization benefits, including room rent coverage up to the sum insured, with no capping for Gold and Platinum plans. The plan also covers pre and post-hospitalization expenses for 60 and 90 days, respectively. Additional features include maternity benefits after two years of continuous coverage, coverage for all day care treatments, and alternative treatments like Ayurveda and Unani.

The Niva Bupa Family First health insurance plan is designed to provide comprehensive coverage for large families, accommodating up to 19 relationships under a single policy. It offers extensive hospitalization benefits, including room rent coverage up to the sum insured, with no capping for Gold and Platinum plans. The plan also covers pre and post-hospitalization expenses for 60 and 90 days, respectively. Additional features include maternity benefits after two years of continuous coverage, coverage for...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal: Covered up to sum insured
ICU: Covered up to sum insured.

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM).

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: A 24-month waiting period applies to certain specified conditions.
Pre-existing Conditions: Coverage for pre-existing diseases begins after a 36-month waiting period.

Cashless Healthcare Providers

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Daycare Treatment

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Room Rent

Normal: Covered up to sum insured
ICU: Covered up to sum insured.

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM).

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

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Exclusions

Treatment for illnesses or injuries resulting from substance abuse, self-inflicted injuries, or participation in hazardous activities.
Cosmetic or aesthetic treatments, unless necessitated by an accident or injury.
Expenses related to the treatment of infertility or assisted conception procedures.
Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion, or complications thereof, unless specified otherwise in the policy.
Congenital diseases or defects, unless life-threatening.
Medical expenses incurred for treatment of AIDS/HIV and related diseases.
Treatment outside the geographical limits of India, unless specifically covered under the policy.
Charges related to items of personal comfort and convenience, such as television, telephone, etc., during hospitalization.

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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...