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.

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.

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.

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.

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.

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.

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.

OneAssure

Health Insurance

Niva Bupa Health Insurance

Niva Bupa Health Insurance

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

9.2

Overall Rating

Niva Bupa Health Insurance

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

Top Niva Bupa Health Insurance Plans

Discover our most popular and comprehensive health insurance plans designed to meet your healthcare needs.

Health Companion Plan

Automatic recharge of sum insured if it gets used.
Free annual health check-ups for all members.
No room rent limit (except luxury suites).
Pre- & post-hospitalisation cover (60 days before, 180 days after).
Lifetime renewals for uninterrupted coverage.

Most Popular

Niva Bupa ReAssure 3.0

Flexible sum insured options up to unlimited cover.
Cashback option for claim-free years.
NivaBupaOne membership with priority claim support.
Day 1 coverage for pre-existing diseases like diabetes & BP.
Fixed premiums till your first claim — no sudden hikes.

Senior First Plan

Annual health check-ups from day one.
No sub-limits on major illness treatments.
No medical tests required before purchase.
Two variants — Gold & Platinum for flexible protection.
Specially designed for individuals aged 61 to 75 years.

Health Companion Plan

Automatic recharge of sum insured if it gets used.
Free annual health check-ups for all members.
No room rent limit (except luxury suites).
Pre- & post-hospitalisation cover (60 days before, 180 days after).
Lifetime renewals for uninterrupted coverage.

Most Popular

Niva Bupa ReAssure 3.0

Flexible sum insured options up to unlimited cover.
Cashback option for claim-free years.
NivaBupaOne membership with priority claim support.
Day 1 coverage for pre-existing diseases like diabetes & BP.
Fixed premiums till your first claim — no sudden hikes.

Senior First Plan

Annual health check-ups from day one.
No sub-limits on major illness treatments.
No medical tests required before purchase.
Two variants — Gold & Platinum for flexible protection.
Specially designed for individuals aged 61 to 75 years.

Niva Bupa Health Insurance

Other Niva Bupa Health Insurance Plans

Explore additional health insurance options including super top-up and specialized coverage plans.

Niva Bupa Health Insurance

About Niva Bupa Health Insurance

Niva Bupa Health Insurance

Niva Bupa Health Insurance Rating

Overall Rating

9.2

out of 10

Solvency

4/4

ICR

2.2/3

Growth

3/3

Performance Index

Gross Direct Premium

Niva Bupa Health Insurance

5607.57Cr

Industry Average

6623.86Cr

ICR%

Niva Bupa Health Insurance

59.02%

Industry Average

83.49%

Niva Bupa Health Insurance

Industry Average

Overall Rating

9.2

out of 10

Solvency

4/4

ICR

2.2/3

Growth

3/3

Performance Index

Gross Direct Premium

Niva Bupa Health Insurance

5607.57Cr

Industry Average

6623.86Cr

Niva Bupa Health Insurance

Industry Average

Performance Index

ICR%

Niva Bupa Health Insurance

59.02%

Industry Average

83.49%

Niva Bupa Health Insurance

Industry Average

Niva Bupa Health Insurance

Customer Testimonials

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

I sincerely thank the OneAssure team for making my claim process seamless. From the first interaction, they showed professionalism, clarity, and expertise. With timely updates, guidance, and consistent follow-ups, they eased all my stress. Special thanks to Ruchir and Sundaraj for their dedication and prompt support—highly recommend their service.

Anju Renjith

I’m deeply thankful for the support I received in settling my insurance claim. The team’s professionalism, clarity, and efficiency made the process seamless. Their quick responses, expertise, and regular follow-ups ensured everything went smoothly. Truly appreciate their invaluable assistance—an experience I’d highly recommend to anyone.

Yogesh Meena

I was hospitalized for typhoid under my ICICI Lombard Health Insurance, but my cashless claim was rejected. After discharge, I filed for reimbursement, and with constant guidance and follow-ups from Sunadraj at OneAssure, I successfully navigated the difficult claim process thanks to their invaluable support.

Dileep Kumar Dalisi

I sincerely thank the OneAssure team for making my claim process seamless. From the first interaction, they showed professionalism, clarity, and expertise. With timely updates, guidance, and consistent follow-ups, they eased all my stress. Special thanks to Ruchir and Sundaraj for their dedication and prompt support—highly recommend their service.

Anju Renjith

I’m deeply thankful for the support I received in settling my insurance claim. The team’s professionalism, clarity, and efficiency made the process seamless. Their quick responses, expertise, and regular follow-ups ensured everything went smoothly. Truly appreciate their invaluable assistance—an experience I’d highly recommend to anyone.

Yogesh Meena

I was hospitalized for typhoid under my ICICI Lombard Health Insurance, but my cashless claim was rejected. After discharge, I filed for reimbursement, and with constant guidance and follow-ups from Sunadraj at OneAssure, I successfully navigated the difficult claim process thanks to their invaluable support.

Dileep Kumar Dalisi

I faced multiple claim issues with my insurer, but the OneAssure team, led by Ishika, handled everything smoothly. They managed the backend work, simplified the entire process, and even went the extra mile to maximize my reimbursements. Truly grateful for their proactive support and dedicated efforts.

Sahith Kurapati

I struggled to get health insurance due to Ulcerative Colitis until OneAssure helped me find the best plan. After an accident in March 2025, my cashless claim was rejected, but with Mr. Sunad Raj’s exceptional support, I finally secured reimbursement despite repeated insurer rejections.

VLV Satyanarayana

We’ve been relying on the OneAssure team for years to buy insurance and have filed two claims so far. Both were handled seamlessly, with Sundraj and Ruchir guiding us through every step. I’m truly thankful for their consistent support and smooth claim experience.

Kulsum Shahiwala

During my mother’s accident, we had to pay upfront as cashless wasn’t available. The OneAssure team guided us through reimbursement, filed the claim, and followed up until settlement. Their prompt support with post-hospitalization claims and professional, clear assistance made a tough time much easier. Truly grateful.

Jatin Gala

Niva Bupa Health Insurance

Pros and Cons

Pros

540+ treatments covered without 24-hour hospitalisation.
Certain plans cover delivery and newborn expenses.
Coverage for major illnesses like cancer, heart attack, etc.
Covers room rent, ICU, doctor’s fees, and medical procedures.

Cons

Premiums can be higher for senior citizens or high-risk profiles
Waiting periods for pre-existing conditions remain long
Some plan benefits and add-ons may feel complex for new buyers
Limited hospital tie-ups in smaller towns

Pros

540+ treatments covered without 24-hour hospitalisation.
Certain plans cover delivery and newborn expenses.
Coverage for major illnesses like cancer, heart attack, etc.
Covers room rent, ICU, doctor’s fees, and medical procedures.

Cons

Premiums can be higher for senior citizens or high-risk profiles
Waiting periods for pre-existing conditions remain long
Some plan benefits and add-ons may feel complex for new buyers
Limited hospital tie-ups in smaller towns

Niva Bupa Health Insurance

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

Niva Bupa Health Insurance Types

Family Floater Health Insurance

This plan covers the whole family under one single sum insured. The amount can be used by any family member as needed. It is simple, cost-effective, and very convenient for families.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer or a heart problem, this plan gives you a one-time lump sum amount. You can use this money for treatment or any other urgent need.

Group Health Insurance

This type of insurance is usually bought by companies for their employees. It gives health cover to many people together under one plan, which makes it affordable for the employer and useful for the staff.

Individual Health Insurance

This plan covers the medical expenses of just one person. It is perfect if you want a policy only for yourself and not for your family.

Top-up and Super Top-up Plans

These plans act like extra protection. If your hospital bill crosses the limit of your main health insurance, the top-up plan starts covering the extra cost. It is very helpful if you feel your basic plan is not enough.

Disease-Specific Plans

These plans cover only one type of illness, such as dengue, viral fever, or other common conditions. They are useful if you are more worried about a particular disease.

Senior Citizen Plans

These are specially designed for older people who usually have higher medical needs. The plan helps them get the right treatment without worrying about high hospital bills.

Corporate and Startup Insurance

These plans are made for companies and startups to provide health cover to their employees. It helps businesses take care of their staff’s health and well-being.

Personal Accident Insurance

This plan gives cover if you meet with an accident. It pays for hospital expenses and also provides support for other costs that may come because of the accident.

Family Floater Health Insurance

This plan covers the whole family under one single sum insured. The amount can be used by any family member as needed. It is simple, cost-effective, and very convenient for families.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer or a heart problem, this plan gives you a one-time lump sum amount. You can use this money for treatment or any other urgent need.

Group Health Insurance

This type of insurance is usually bought by companies for their employees. It gives health cover to many people together under one plan, which makes it affordable for the employer and useful for the staff.

Individual Health Insurance

This plan covers the medical expenses of just one person. It is perfect if you want a policy only for yourself and not for your family.

Top-up and Super Top-up Plans

These plans act like extra protection. If your hospital bill crosses the limit of your main health insurance, the top-up plan starts covering the extra cost. It is very helpful if you feel your basic plan is not enough.

Disease-Specific Plans

These plans cover only one type of illness, such as dengue, viral fever, or other common conditions. They are useful if you are more worried about a particular disease.

Senior Citizen Plans

These are specially designed for older people who usually have higher medical needs. The plan helps them get the right treatment without worrying about high hospital bills.

Corporate and Startup Insurance

These plans are made for companies and startups to provide health cover to their employees. It helps businesses take care of their staff’s health and well-being.

Personal Accident Insurance

This plan gives cover if you meet with an accident. It pays for hospital expenses and also provides support for other costs that may come because of the accident.

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 Health Insurance

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 Health Insurance

Renewal Process

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

Niva Bupa Health Insurance 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 Health Insurance

Features Comparison

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

Compare the features of the top health insurance policies to find the perfect plan for...

Senior Citizen Health Plan

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

Most Popular

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

Most Popular

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 Health Insurance

How to Buy Niva Bupa Health Insurance?

Follow these simple steps to purchase your Niva Bupa Health Insurance health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember