How does the waiting period affect my coverage?

Family First policy covers pre-existing conditions after 36 months and specific diseases after 24 months.

What happens if I don’t use my health insurance benefits for the entire year?

No-claim years increase sum insured through a no-claim bonus, enhancing policy coverage for future medical needs.

Will my health insurance cover treatment abroad?

The policy does not cover overseas treatments; coverage is limited to medical expenses within India only.

Does Niva Bupa Family Health Insurance cover maternity benefits?

Yes – Niva Bupa Family Health Insurance does offer maternity benefits as an in‑built cover (for both normal and C‑section deliveries, prenatal/postnatal care, newborn expenses) under its family/floater variants, subject to a 2‑year waiting period, with coverage up to ₹1–2 L per delivery depending on the plan

What is the maximum number of family relations that can be integrated under a single policy structure?

The plan provides an extensive joint coverage architecture designed specifically for exceptionally large family units, allowing applicants to accommodate up to 19 distinct relationships within a single cross-generational policy framework.

What specific waiting durations and parameters govern the activation of maternity and childbirth benefits?

The policy incorporates a dedicated family planning advantage that activates comprehensive financial support for maternity expenses, provided the family maintains continuous coverage renewals for a mandatory waiting period of two years.

OneAssure

Health Insurance

Niva Bupa

Health Companion Family First Plan

Niva Bupa Family First Plan

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

7.3

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

92.02%

Claim Settlement Ratio

10000+

Network Hospitals

7.3

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Companion Family First Plan

Final Verdict

Niva Bupa Family First is ideal for large families needing extensive coverage. It offers maternity and alternative treatments but has a two-year waiting period for maternity benefits and potential high premiums.

About

About Niva Bupa Health Companion Family First Plan

The Niva Bupa Family First health insurance plan is designed to provide comprehensive coverage for large families, accommodating up to 19 relationships under a single policy. It offers extensive hospitalization benefits, including room rent coverage up to the sum insured, with no capping for Gold and Platinum plans. The plan also covers pre and post-hospitalization expenses for 60 and 90 days, respectively. Additional features include maternity benefits after two years of continuous coverage, coverage for all day care treatments, and alternative treatments like Ayurveda and Unani.

The Niva Bupa Family First health insurance plan is designed to provide comprehensive coverage for large families, accommodating up to 19 relationships under a single policy. It offers extensive hospitalization benefits, including room rent coverage up to the sum insured, with no capping for Gold and Platinum plans. The plan also covers pre and post-hospitalization expenses for 60 and 90 days, respectively. Additional features include maternity benefits after two years of continuous coverage, coverage for...

Family First Plan Ratings

Ratings: Niva Bupa Family First Plan

Insurer Rating

7.1

out of 10

Insurance Rating

2

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

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

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Health Companion Family First Plan

Room Rent

Normal: Covered up to sum insured
ICU: Covered up to sum insured.

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM).

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Cashless Healthcare Providers

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: A 24-month waiting period applies to certain specified conditions.
Pre-existing Conditions: Coverage for pre-existing diseases begins after a 36-month waiting period.

Daycare Treatment

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Room Rent

Normal: Covered up to sum insured
ICU: Covered up to sum insured.

Advanced Treatments

Robotic surgeries
Stem cell therapy
Oral chemotherapy
Deep brain stimulation
Bronchial thermoplasty
Intraoperative neuro monitoring (IONM).

Co-payment

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Exclusions

Treatment for illnesses or injuries resulting from substance abuse, self-inflicted injuries, or participation in hazardous activities.
Cosmetic or aesthetic treatments, unless necessitated by an accident or injury.
Expenses related to the treatment of infertility or assisted conception procedures.
Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion, or complications thereof, unless specified otherwise in the policy.
Congenital diseases or defects, unless life-threatening.

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...

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...