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OneAssure

Health Insurance

Niva Bupa

Health Premia Silver

Add 10% of the base sum insured every year up to 100%, even after a claim, refill the base sum insured once for any illness, and on a family plan cover maternity after 24 months of continuous cover.

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

8/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Niva Bupa Health Premia Silver

Final Verdict

Health Premia Silver combines hospitalization protection, travel-related benefits, loyalty rewards, and modern treatment coverage in a comprehensive family health insurance plan.

About

What Is Health Premia Silver?

Health Premia Silver is a comprehensive health insurance plan from Niva Bupa that provides coverage for hospitalization, daycare treatment, pre and post-hospitalization expenses, AYUSH treatment, and modern medical procedures. The plan also extends protection beyond hospitalization through emergency assistance services, ambulance support, and international travel-related benefits. Policyholders can benefit from loyalty additions, annual health check-ups, and built-in travel insurance, making it suitable for individuals and families seeking broad healthcare protection.

Silver Ratings

Silver

Insurer Rating

7.1

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

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

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

Niva Bupa Health Premia Silver Inclusions

Advanced Treatments

Laser Surgery
Living Organ Donor Transplant
Modern Treatments

Co-payment

No mandatory co-payment mentioned

Cashless Healthcare Providers

7,600+ Network Hospitals

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 24 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Covered up to Sum Insured
ICU: 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.