How does the I-Protect benefit work?

I-Protect automatically increases the Base Sum Insured by 10% at every renewal, regardless of claims made during the previous policy year. There is no maximum cap on the accumulated increase as long as the option remains active.

Does GoActive cover doctor consultations without hospitalization?

Yes. The plan includes OPD consultations ranging from 3 to 10 consultations per policy year depending on the chosen Sum Insured and family composition. Consultations can be availed through cashless or reimbursement mode.

What is the Health Coach benefit?

Health Coach provides personalized health coaching, goal tracking and wellness support. Based on the insured person's health score, renewal discounts of up to 20% on the base premium may be available.

What is the Refill Benefit?

If the Base Sum Insured and accumulated I-Protect amount are exhausted, the policy provides a refill of up to 100% of the Base Sum Insured for a subsequent unrelated illness or injury during the same policy year.

OneAssure

Health Insurance

Niva Bupa

GoActive

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

0

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

GoActive is a wellness-focused health insurance plan that combines hospitalization coverage with OPD consultations, health coaching, diagnostic testing and automatic annual sum insured growth. It is best suited for customers who want everyday healthcare benefits along with traditional health insurance protection.

About

About Niva Bupa Health Insurance

Niva Bupa GoActive is a health insurance plan designed to provide protection not only during hospitalization but also for day-to-day healthcare needs. Along with inpatient hospitalization coverage up to ₹25 lakh, the plan includes OPD consultations, health check-ups, diagnostic tests, home healthcare services, alternative treatments, daycare procedures and wellness-focused benefits. A key differentiator is the Health Coach feature that helps policyholders achieve fitness goals while earning renewal discounts based on health scores. The policy also includes I-Protect, which increases the Sum Insured by 10% every year without any maximum limit, and a Refill Benefit that restores coverage for unrelated illnesses.

Niva Bupa GoActive is a health insurance plan designed to provide protection not only during hospitalization but also for day-to-day healthcare needs. Along with inpatient hospitalization coverage up to ₹25 lakh, the plan includes OPD consultations, health check-ups, diagnostic tests, home healthcare services, alternative treatments, daycare procedures and wellness-focused benefits. A key differentiator is the Health Coach feature that helps policyholders achieve fitness goals while earning renewal discounts based on health scores. The policy also...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Room Rent

Normal:For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per dayFor Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)
ICU:For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per dayFor Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory age-based co-payment mentioned

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months

Cashless Healthcare Providers

4,200+ Network Hospitals

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal:For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per dayFor Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)
ICU:For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per dayFor Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory age-based co-payment mentioned

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Exclusions

Not available

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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...