Is Niva Bupa Medical Insurance good?

Yes. Niva Bupa Health Insurance is very reliable with a high claim settlement ratio, quick service, and a wide hospital network, making it a solid choice for hassle-free healthcare coverage.

Can I buy Niva Bupa Health Insurance online?

Yes. It’s completely paperless — choose your plan, make the payment, and get your policy instantly by email. Renewals are equally simple and quick online.

What tax benefits do I get with Niva Bupa?

Premiums paid for Niva Bupa Health Insurance are eligible for tax deductions under Section 80D of the Income Tax Act, helping you save money while protecting your health.

Does Niva Bupa Mediclaim Policy cover critical illness?

Yes. Many Niva Bupa plans include coverage for life-threatening illnesses like cancer, heart disease, and kidney failure, reducing your financial stress during tough times.

How does Niva Bupa’s claim process work?

You can opt for cashless treatment at network hospitals or pay upfront at a non-network hospital and file for reimbursement later. Both options are fast and transparent.

How big is the Niva Bupa hospital network?

Niva Bupa offers cashless treatment in 10,000+ hospitals across India, including reputed private and government hospitals, ensuring easy access to care even in smaller cities.

What is the waiting period in Niva Bupa Health Insurance?

The initial waiting period is 30 days (except for accidental injuries). Pre-existing diseases are usually covered after 24 to 48 months, depending on the plan.

Does Niva Bupa offer coverage for pre-existing diseases?

Yes. After the waiting period, pre-existing health conditions like diabetes or hypertension are covered as per the policy terms.

Can I add family members to my Niva Bupa policy?

Yes. You can include your spouse, children, parents, and even parents-in-law under one family floater policy for comprehensive protection.

Is there any age limit to buy Niva Bupa Health Insurance?

Adults can buy a policy from the age of 18 years, and there’s no maximum entry age for many plans. Children can be covered from 91 days onward.

Does Niva Bupa cover maternity and newborn expenses?

Yes. Select Niva Bupa plans offer maternity coverage and newborn baby cover, including delivery expenses and postnatal care after a specified waiting period.

What types of health plans does Niva Bupa offer?

Niva Bupa provides a range of plans — from individual and family floater to top-up, senior citizen, and critical illness policies — to suit varied needs and budgets.

Can I port my existing health insurance to Niva Bupa?

You can switch your existing health insurance policy to Niva Bupa during renewal without losing your accumulated benefits, subject to underwriting approval.

How do I check my policy details or claim status?

You can log in to the Niva Bupa website or use their mobile app to track your claim status, download policy documents, and manage renewals easily.

Does Niva Bupa offer lifetime renewability?

Yes. All Niva Bupa Health Insurance policies come with lifetime renewability, ensuring you stay protected without interruption as long as you renew your plan on time.

OneAssure

Health Insurance

Niva Bupa

Health Insurance Plans

Niva Bupa Health Insurance Plans

Experience India’s most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10,000+ network hospitals with sum insured up to ₹3 crores.

Get a Quote

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

8.1

Overall Rating

Niva Bupa

Our Verdict About Niva Bupa Health Insurance

Niva Bupa Medical Insurance offers customer-friendly health plans that cover individuals, families, children, and even senior citizens.

What We Like

Modern benefits like AYUSH coverage, health check-ups & maternity cover

Lifetime renewability and global treatment options in select plans

10,000+ hospitals with quick claim approvals (under 30 minutes in many cases)

Wide range of plans for individuals, families & senior citizens

Areas of Improvement

Some plans require hospitalization for claim eligibility (limited OPD cover)

Premiums rise steeply with age or when adding multiple riders

Restoration and global cover benefits available only in higher-tier plans

Co-payment clauses applicable for senior citizens in select policies

Long 2–4 year waiting period for pre-existing diseases in most plans

What We Like

Modern benefits like AYUSH coverage, health check-ups & maternity cover

Lifetime renewability and global treatment options in select plans

10,000+ hospitals with quick claim approvals (under 30 minutes in many cases)

Wide range of plans for individuals, families & senior citizens

Areas of Improvement

Some plans require hospitalization for claim eligibility (limited OPD cover)

Premiums rise steeply with age or when adding multiple riders

Restoration and global cover benefits available only in higher-tier plans

Co-payment clauses applicable for senior citizens in select policies

Long 2–4 year waiting period for pre-existing diseases in most plans

Final Verdict

Niva Bupa Health Insurance combines comprehensive protection with a strong hospital network and well-designed plans. It works especially well for urban families, professionals, and frequent travellers looking for flexible, all-round coverage. Customer reviews are a mix - plenty of users highlight the product quality and digital convenience, while others mention...

Niva Bupa Health Insurance combines comprehensive protection with a strong hospital network and well-designed plans. It works especially well for urban families, professionals, and frequent travellers looking for flexible, all-round coverage. Customer reviews are a...

Niva Bupa Health Insurance Plans

Reassure 2.0 Platinum+

Reassure 2.0 Gold

Reassure 2.0

Reassure 2.0 Titanium+

Reassure 2.0 Bronze+

Key Features

Top Product Highlights

Compare the features of the top health insurance products to find the perfect plan for your needs.

Product Name

Room Rent

Coverage Options

Restoration Benefit

Reassure 2.0 Platinum+

All room categories are covered

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Reassure 2.0 Gold

No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.

Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.

ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.

Reassure 2.0 Titanium+

All room categories are covered

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Reassure 2.0 Bronze+

All room categories are covered

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Aspire Diamond+

Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the room category

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

Aspire Gold+

All room categories are covered

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Aspire Platinum+

All room categories are covered

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Aspire Titanium+

All room categories are covered

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

HeartBeat Silver

Individual/Family Floater Silver has a room eligibility limit based on shared-room entitlement or 1% of Sum Insured per day, as applicable. Family First Silver has its own room eligibility terms, including shared-room entitlement or the applicable daily limit.

Individual/Family Floater Silver is a renewal-only option with Sum Insured choices of ₹2 lakh and ₹3 lakh. Family First Silver offers a separate structure with Base SI options from ₹1 lakh to ₹5 lakh per person, subject to the applicable floater arrangement.

Re-fill Benefit can restore up to 100% of Base SI once per policy year when Base SI and Loyalty Additions are partly or fully used, subject to policy terms. It is not available under Family First.

HeartBeat Enhanced

Enhanced-specific room category or limit not established.

Official HeartBeat plan names are Silver, Gold and Platinum. Available policy structures include Individual, Family Floater and Family First, subject to the applicable plan terms.

Enhanced-specific restoration entitlement and limits not established.

HeartBeat Platinum

Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories.

Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option.

Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First.

HeartBeat Gold

Covered up to Sum Insured (except for Suite or above room category)

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr

100% of base sum insured restored once every policy year for future claims

Health Recharge

Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible.

₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L.

Not available under Health Recharge plan.

Health Premia Gold

Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken

Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Reassure 3.0

General Ward. Select: up to Twin Sharing. Elite: all rooms except Deluxe and Suite. Black: no room-category capping. Choosing a room above the eligible category can result in co-payment on the entire claim, as specified in the policy annexure.

Base Sum Insured options of ₹5 lakh, ₹10 lakh or Unlimited. Available on an individual, multi-individual or family floater basis, covering up to 6 members. Policy terms range from 1 to 5 years.

ReAssure Forever is triggered after the first paid claim and provides unlimited reinstatements, with each claim covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. This benefit applies only when Unlimited Sum Insured has not been selected.

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

₹5L, ₹10L, Unlimited SI.

ReAssure Forever: Base SI restored after first claim, unlimited times.

Reassure 3.0 Select

Select covers up to Twin Sharing Room; higher rooms attract co-payment.

Unlimited Sum Insured option available.

ReAssure Forever: Base SI restored after first claim, unlimited times.

Reassure 3.0 Black

Any room category covered up to SI with no room-type capping.

₹5L, ₹10L, Unlimited SI.

ReAssure Forever: Base SI restored after first claim, unlimited times for life.

Reassure 3.0 Classic

Classic covers General Room; higher room selection triggers co-payment.

₹5L, ₹10L, Unlimited SI.

ReAssure Forever: Base SI restored after first claim, unlimited times

Reassure

No room rent capping. Eligible inpatient room categories are covered subject to policy terms.

Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children.

The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured

Health Recharge Super Top Up Plan

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

Not Available

Health Companion Variant 2022

The shared room category is covered in your base policy.If you choose an upgraded room, 20% co-payment is applicable.

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Health Companion Variant 3

Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used

Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater

Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)

Reassure 2.0 Platinum+

All room categories are covered

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Reassure 2.0 Gold

No room rent limit under the standard Gold variant. Optional Room Type Modification may allow a single private room or shared room at a lower premium. Choosing a room above the selected room category may lead to proportionate deductions.

Base Sum Insured options listed in the reviewed single-sheeter are ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore. Individual cover for up to 6 members or family floater options are listed, with 1-year, 2-year and 3-year policy terms. Confirm the ₹7.5 lakh option against the insurer's latest schedule before publication.

ReAssureX, also referred to as ReAssure Forever, is triggered by the first paid claim in the life of the policy. It provides unlimited reinstatements, with each claim under the benefit covered up to the Base Sum Insured. It remains available for life if the policy is renewed without a break. Lock the Clock is not included in the Gold variant.

Reassure 2.0 Titanium+

All room categories are covered

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Reassure 2.0 Bronze+

All room categories are covered

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Niva Bupa

Customer Testimonials

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

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 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

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

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

Why Choose Niva Bupa Health Insurance ?

Trusted & Experienced Insurer

Serving over 2 crore customers, Niva Bupa is known for reliability and strong claim support.

Wide Hospital Network

Enjoy cashless treatment across 10,000+ hospitals with claim approval in as little as 30 minutes.

Comprehensive Coverage Options

Choose plans with high or unlimited sum insured, no room rent limits, and maternity or wellness benefits.

Seamless Customer Support

Benefit from 24×7 assistance, direct claim handling (no TPAs), and easy digital policy management.

Trusted & Experienced Insurer

Serving over 2 crore customers, Niva Bupa is known for reliability and strong claim support.

Wide Hospital Network

Enjoy cashless treatment across 10,000+ hospitals with claim approval in as little as 30 minutes.

Comprehensive Coverage Options

Choose plans with high or unlimited sum insured, no room rent limits, and maternity or wellness benefits.

Seamless Customer Support

Benefit from 24×7 assistance, direct claim handling (no TPAs), and easy digital policy management.

Documents Required

ID Proof

You can submit documents like Aadhaar Card, PAN Card, or Passport to verify your identity.

Address Proof

Provide a Utility Bill or Voter ID as valid proof of your current address

Age Proof

Documents such as a Birth Certificate or Driving License can be used to confirm your age.

Photographs

Recent passport-size photos are required for processing your policy.

Income Proof

For high-cover plans, you may need to submit income documents such as salary slips or ITR.

ID Proof

You can submit documents like Aadhaar Card, PAN Card, or Passport to verify your identity.

Address Proof

Provide a Utility Bill or Voter ID as valid proof of your current address

Age Proof

Documents such as a Birth Certificate or Driving License can be used to confirm your age.

Photographs

Recent passport-size photos are required for processing your policy.

Income Proof

For high-cover plans, you may need to submit income documents such as salary slips or ITR.

Niva Bupa

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Niva Bupa

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Niva Bupa Network Hospitals

10,000+

Network hospitals across the country for cashless treatment

500+

Cities covered nationwide for easy access to quality healthcare

22 states, 4 UTs

States and union territories ensuring comprehensive coverage

10,000+

Network hospitals across the country for cashless treatment

500+

Cities covered nationwide for easy access to quality healthcare

22 states, 4 UTs

States and union territories ensuring comprehensive coverage

Niva Bupa

Features Comparison

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

Niva Bupa

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.