1. What is included in Niva Bupa Health Insurance?

Niva Bupa insurance provides cover for hospitalization of patients, expenses prior and after hospitalization, daycare treatments, Ayurveda, Unani, Siddha, and Homeopathy, and emergency ambulance services.

2. Are diseases that already existed covered by Niva Bupa?

Certainly, Niva Bupa granted pre-existing diseases coverage post a 24-48 months waiting period depending on the selected plan.

3. Is cancer and heart attack among the critical illnesses that are covered?

To be specific, cancer, heart attack, stroke, and kidney failure are considered major diseases and these are duly covered under Niva Bupa’s critical illness and comprehensive plans.

4. Is Niva Bupa Health Insurance beneficial for COVID-19 treatment?

To put it briefly, all current Niva Bupa health insurance policies, according to the IRDAI, include coverage for hospitalisation and treatment costs associated with the disease.

5. What is the duration of the waiting period for pre-existing diseases?

The waiting period typically is for 2 up to 4 years depending on the plan in question and the insured person's medical history.

6. Does Niva Bupa cover maternity and newborn expenses?

Absolutely, the most recent plans, such as Health Premia and ReAssure 2.0, provide maternity and newborn baby cover after the waiting period.

7. Are AYUSH treatments covered under Niva Bupa plans?

Niva Bupa does allow for AYUSH treatment and this includes Ayurveda, Yoga, Homeopathy, and so forth, but only through selected plans.

8. Does Niva Bupa provide cashless hospitalisation?

There is furthermore that Niva Bupa has a wide cashless network comprising more than 10,000 hospitals throughout India where treatment can be availed without upfront payment.

9. Are treatments for mental health included?

Certainly, according to the Mental Healthcare Act, 2017, the mental illness treatment including the consultations with the psychiatrist and hospitalisation will be covered by Niva Bupa.

10. Does Niva Bupa provide coverage for organ transplant procedures?

The hospitalisation expenses of both organ donor and recipient are covered under specific plans.

11. Are dental or cosmetic procedures included in the coverage?

Cosmetic or dental procedures are covered only if they are medically necessary as a result of an accident or injury.

12. Is it possible to increase my sum insured in the future?

The sum insured can be increased at the time of renewal or by top-up/super top-up options.

13. What are the wellness and preventive care benefits?

Niva Bupa provides free annual health check-ups, wellness points, and rewards for maintaining a healthy lifestyle in some of its plans.

14. Is Niva Bupa’s coverage for repairs abroad?

Yes, certain premium plans like Health Premia cover being abroad for planned or emergency medical treatment.

15. What are some conditions that aren't covered under Niva Bupa Health Insurance?

Diseases due to HIV/AIDS, substance abuse, cosmetic surgery, self-inflicted wounds, and war are some of the conditions not covered by insurance.

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Niva Bupa

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Niva Bupa Health Insurance & Coverage Benefits

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92.02%

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92.02%

Claim Settlement Ratio

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Network Hospitals

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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

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

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 extensive hospital network. Despite the fact that the premiums are somewhat high, Niva Bupa’s transparency,...

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).

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.

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.

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

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.

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

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Coverage & Benefits

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Claim Settlement

FAQs Frequently Asked Questions

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

1-5 of 15

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Niva Bupa Health Insurance & Coverage Benefits

Get a Quote

92.02%

10000+

30 Mins

92.02%

10000+

30 Mins

Customer Testimonials

Our Verdict: Niva Bupa Health Insurance Coverage

Pros

Cons

Pros

Cons

Final Verdict

Key Coverages & Benefits Offered Under Niva Bupa Health Insurance

<p><span style="background-color: transparent; color: rgb(0, 0, 0);">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.</span></p>

<p><span style="background-color: transparent; color: rgb(0, 0, 0);">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.</span></p>

Inclusions

Exclusions

Inclusions

Exclusions

How to file Niva Bupa Health Insurance Claims

How Coverage and Benefits Vary in Niva Bupa Health Insurance

Extensive Coverage Choices

Fast Cashless Claims

Wide Hospital Network

Extensive Coverage Choices

Fast Cashless Claims

Wide Hospital Network

How to Choose the Right Health Insurance Coverage

What is the Waiting Period in Niva Bupa Health Insurance?

Initial waiting period

Pre-existing disease (PED) waiting period

Specified disease/procedure waiting period

Maternity waiting period

Initial waiting period

Pre-existing disease (PED) waiting period

Specified disease/procedure waiting period

Maternity waiting period

Diseases Covered/Not Covered Under Niva Bupa Health Insurance

Diseases Covered

Diseases Not Covered

Diseases Covered

Diseases Not Covered

Pre-Existing Diseases Covered Under Niva Bupa Health Insurance

Diabetes (Type 1 & 2)

Hypertension (high blood pressure)

Hypothyroidism

Asthma & chronic bronchitis

Arthritis & osteoarthritis

Kidney & liver diseases

Heart diseases

Gastric & Digestive Diseases

Diabetes (Type 1 & 2)

Hypertension (high blood pressure)

Hypothyroidism

Asthma & chronic bronchitis

Arthritis & osteoarthritis

Kidney & liver diseases

Heart diseases

Gastric & Digestive Diseases

How to Customize Niva Bupa Health Insurance for Maximum Coverage

Related Health Insurance Plans

Senior Citizen Health Plan

Family Health Plan

Maternity Health Plan

Senior Citizen Health Plan

Family Health Plan

Maternity Health Plan

Still Confused? Get Expert Guidance

FAQs Frequently Asked Questions

Related Blogs