How does the waiting period affect coverage?

A 30-day waiting period applies, with pre-existing conditions covered after 24 months and specific illnesses after 12 months.

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.

Does the My Health Premia Platinum plan cover treatment abroad?

Yes, it covers specified critical illnesses internationally, allowing treatment abroad under policy terms and conditions.

What network hospitals are covered under Niva Bupa Health Premia Platinum?

Yes, the Niva Bupa Health Premia Platinum plan provides access to an extensive network of over 10,000 cashless hospitals across India.

Does Niva Bupa Health Premia Platinum include wellness benefits?

Yes, the Niva Bupa Health Premia Platinum plan includes wellness benefits. These benefits encompass annual health check-ups from day one and access to a Health Coach for personalized guidance.

Under what geographical or zone parameters does a mandatory co-payment apply to medical treatments?

The policy enforces a mandatory 20% co-payment structure specifically for treatments undergone within designated Zone 2 regions; however, applicants can voluntarily opt for a continuous 10% or 20% cost-sharing layer to restructure their baseline configuration.

OneAssure

Health Insurance

Niva Bupa

Health Premia Platinum

Niva Bupa Health Premia Platinum

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

7.2

Customer Rating

Policy Brochure

Get a Quote

92.02%

Claim Settlement Ratio

10000+

Network Hospitals

7.2

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Niva Bupa Health Premia Platinum

Final Verdict

Niva Bupa Health Premia Platinum offers extensive coverage, including critical illness and personal accident benefits, with high sum insured options. Ideal for individuals and families seeking premium health protection with loyalty additions.

About

About Niva Bupa Health Premia Platinum

The Niva Bupa Health Premia Platinum Plan is a premium health insurance policy designed to offer extensive coverage for individuals and families, ensuring financial protection against medical expenses. It provides high sum insured options and covers a wide range of medical needs, including inpatient hospitalization, pre- and post-hospitalization, daycare procedures, and modern treatments. The plan also includes coverage for alternative therapies such as AYUSH, along with benefits like annual health check-ups, cashless treatment across a large network of hospitals, and wellness benefits. With options for add-ons like critical illness cover, the Health Premia Platinum Plan offers robust, comprehensive protection, ensuring...

The Niva Bupa Health Premia Platinum Plan is a premium health insurance policy designed to offer extensive coverage for individuals and families, ensuring financial protection against medical expenses. It provides high sum insured options and covers a wide range of medical needs, including inpatient hospitalization, pre- and post-hospitalization, daycare procedures, and modern treatments. The plan also includes coverage for alternative therapies such as AYUSH, along with benefits like annual health check-ups, cashless treatment across a...

Platinum Ratings

Ratings: Niva Bupa Platinum

Insurer Rating

7.1

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

Yes

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 Health Premia Platinum

Room Rent

Normal: single private A/C room
ICU: no limit

Advanced Treatments

Covered up to Sum Insured with sub-limit of INR 1 Lac on few robotic surgeries.
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Robotic surgeries and many more.

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 private A/C room
ICU: no limit

Advanced Treatments

Covered up to Sum Insured with sub-limit of INR 1 Lac on few robotic surgeries.
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Robotic surgeries and many more.

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

Pre-existing diseases are not covered for the first 24 months from the policy start date.
Any treatment within the first 30 days of the policy, except for accidents, is excluded.
Treatments related to alcohol, drug abuse, or substance addiction are not covered.
Cosmetic or plastic surgery procedures without medical necessity are excluded.
Injuries or conditions arising from hazardous or adventure sports are not covered.

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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...