Niva Bupa Health Premia Platinum
Niva Bupa
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Room Rent and ICU limit
Niva bupa my health premia platinum covers room rent and ICU charges without caps, ensuring full coverage up to the sum insured.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: single private A/C room
- ICU: no limit
- Normal: single private A/C room
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.
- 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.
Cashless Healthcare Providers
10675+ network hospitals
Daycare Treatment
Covered by the policy.
AYUSH Treatment
Covered by the policy.
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.
Exclusions
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We help you maximize your coverage over time for stronger protection.
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 strong financial performance and market confidence.
About the Company
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