OneAssure

Health Insurance

Niva Bupa

GoActive

Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

6.5/10

Plan Rating

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Our Verdict

Expert Review: Niva Bupa GoActive

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

What Is GoActive?

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.

GoActive Ratings

GoActive

Insurer Rating

7.1

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

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

Niva Bupa GoActive Inclusions

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

Cashless Healthcare Providers

4,200+ Network Hospitals

Waiting Period

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

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

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About the company

About Niva Bupa

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 strong financial performance and market confidence.