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.

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

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.2

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

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 Insurance

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 peace of mind with easy renewability and no cap on age for renewals.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

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.

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 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.

Pageof 3

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.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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...