What is the waiting period for pre-existing diseases?

Pre-existing diseases are covered after 24 months of continuous coverage from the first policy start date, subject to policy terms and conditions.

What travel-related benefits are available under Health Premia Silver?

The plan includes built-in travel insurance benefits and emergency medical assistance services outside India. It also provides support such as emergency medical evacuation and repatriation assistance.

How does the Loyalty Addition benefit work?

For every policy year, an additional coverage of 10% of the base sum insured is added, even if claims were made during the previous year, subject to policy conditions.

Are health check-ups included?

Yes. The plan includes annual health check-ups from the first policy year irrespective of claims.

OneAssure

Health Insurance

Niva Bupa

Health Premia Silver

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

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

About

About Niva Bupa Health Insurance

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.

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Advanced Treatments

Laser Surgery
Living Organ Donor Transplant
Modern Treatments

Co-payment

No mandatory co-payment mentioned

Waiting Period

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

Cashless Healthcare Providers

7,600+ Network Hospitals

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Laser Surgery
Living Organ Donor Transplant
Modern Treatments

Co-payment

No mandatory co-payment mentioned

Waiting Period

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

Pageof 3

Exclusions

Not available

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.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...