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Niva Bupa Health Insurance & Coverage Benefits


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92.02%

Claim Settlement Ratio


10000+

Network Hospitals


30 Mins

Cashless Claim Processing

Niva Bupa Health Insurance & Coverage Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

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

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

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

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

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

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: Niva Bupa Health Insurance Coverage


Pros

Innovative features like ReAssure 2.0 for enhanced coverage

Extensive hospital network with seamless cashless claim support

Wide range of health plans for individuals, families, and seniors

Cons

Entry-level plan options are fewer for those seeking basic coverage

Premiums slightly higher than some budget-friendly alternatives

Final Verdict

Niva Bupa Health Insurance offers a solid combination of extensive coverage, superior health benefits, and trustworthy claim assistance. It guarantees financial safety during health emergencies through its flexible sum insured options, lifetime renewability, and an...

Key Coverages & Benefits Offered Under Niva Bupa Health Insurance

Get a clear understanding of what Niva Bupa Health Insurance covers and what it doesn’t, so you can choose your plan with complete confidence.

Inclusions

Covers home-based medical treatment when hospitalisation isn’t possible.

Covers alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy (plan-dependent).

Includes costs for emergency road ambulance services.

Expenses before and after hospitalisation covered for a specified number of days.

Covers 500+ treatments not requiring 24-hour hospitalisation (like cataract, dialysis).

Covers room rent, ICU, nursing, and doctor’s fees during hospital stays.

Exclusions

Substance Abuse / Alcohol / Drug-related Treatments – Not covered.

War, Terrorism, or Nuclear Risks – Claims arising from these situations are not payable

Self-inflicted Injuries / Suicide Attempts – Not covered.

Cosmetic or Plastic Surgery: Excluded unless required due to an accident or burn injury.

Routine immunisations and preventive check-ups not covered (unless mentioned).

Claims Process

How to file Niva Bupa Health Insurance Claims

Niva Bupa Health Insurance & Coverage Benefits

How Coverage and Benefits Vary in Niva Bupa Health Insurance

Extensive Coverage Choices

Select from a wide range of plans with sum insured options starting from ₹3 lakh and going up to ₹3 crore, tailored for every health and budget need.

Fast Cashless Claims

Experience quick claim approvals — often within just 30 minutes* — ensuring you get timely treatment without financial delays. T&C apply.

Wide Hospital Network

Get access to 10,000+ network hospitals across India for seamless cashless treatments and hassle-free healthcare support wherever you are.

How to Choose

How to Choose the Right Health Insurance Coverage


What is the Waiting Period in Niva Bupa Health Insurance?

A waiting period is the time you must wait after buying your Niva Bupa health insurance policy before certain benefits or treatments can be claimed. During this period, you can’t raise a claim for those specific conditions or procedures.

Initial waiting period

Typically 30 days from policy inception for most treatments (except accidental hospitalisation).


Pre-existing disease (PED) waiting period

Varies by plan — examples include 24 months or even 48 months of continuous coverage before PEDs are eligible.

Specified disease/procedure waiting period

Conditions such as cataract, hernia, LASIK may carry waiting periods of 12 to 36 months depending on the variant.

Maternity waiting period

For plans that include maternity benefits, waiting periods range from 9 months up to several years.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under Niva Bupa Health Insurance

Diseases Covered

COVID-19 and Infectious Diseases

Diabetes & Hypertension

Neurological Conditions

Respiratory Illnesses

Kidney and Liver Disorders

Cancer (of Specified Severity)

Heart-related Diseases

Diseases Not Covered

. Treatment Due to War, Terrorism, or Nuclear Risks

Cosmetic & Plastic Surgery

Substance Abuse or Alcohol-related Illnesses

Self-Inflicted Injuries & Suicide Attempts

Congenital or Genetic Disorders

Cancer (Early or Benign Stages)

HIV/AIDS & Sexually Transmitted Diseases

Pre-existing Diseases

Pre-Existing Diseases Covered Under Niva Bupa Health Insurance

Diabetes (Type 1 & 2)

The coverage extends to such incidents as foot, retina, and nervous system afflictions after the waiting period

Hypertension (high blood pressure)

The treatment of the heart or the kidneys or any other health problems related to high blood pressure will be covered.


Hypothyroidism

Hyperthyroidism-related treatments—are included after the waiting period.

Asthma & chronic bronchitis

Respiratory disease and their complications will be covered.

Arthritis & osteoarthritis

Joint inflammation, pain control, and even replacement surgery will be covered (according to the plan's terms).

Kidney & liver diseases

Chronic kidney disease, hepatitis, liver cirrhosis, and similar conditions are included after the waiting period.

Heart diseases

Coronary artery disease, prior bypass surgeries, or stenting—they will be covered only after the specified waiting period.

Gastric & Digestive Diseases

The policy covers GERD, ulcers, and other chronic digestive problems according to the terms of the policy.

Customize Plan Options

How to Customize Niva Bupa Health Insurance for Maximum Coverage


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Niva Bupa Health Insurance & Coverage Benefits

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Coverage & Benefits

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Claim Settlement

FAQs Frequently Asked Questions

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