Niva bupa Health Insurance - Plans & Features

Health Insurance (formerly Max Bupa) is one of India’s leading IRDAI-approved health insurers, backed by global healthcare expert Bupa UK With a network of 10,000+ cashless hospitals, 30-minute claim approvals, and 1.4 crore+ satisfied customers, Niva Bupa offers comprehensive and affordable medical coverage for individuals, families, and senior citizens. Its digitally enabled claim process and lifelong renewability (as per policy terms) make it a trusted choice for those

Premiums Start from

₹322/month

Network Hospitals

₹10,000+

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Benefits of Choosing Niva Bupa Health Insurance

Niva Bupa Health Insurance stands out for its customer-first approach, combining wide coverage, fast claims, and transparent service. Here’s why millions of Indians trust Niva Bupa for their health protection

Extensive Cashless Hospital Network

Access treatment at over 10,000+ network hospitals across India with seamless cashless claim support so you can focus on recovery, not payments

Fast & Hassle-Free Claim Settlement

Enjoy 30-minute cashless claim* approvals through Niva Bupa’s digital claim process, ensuring timely assistance when you need it most

Know more about Niva Bupa Health Insurance Plans

Niva Bupa Aspire Health Insurance

Niva Bupa Aspire Health Insurance is designed for today’s generation that values flexibility, rewards, and long-term protection. Whether you’re starting your career, planning a family, or looking for future-ready coverage, Aspire helps you stay protected, earn rewards, and save smarter our career, planning a family, or looking for future-ready coverage, Aspire helps you stay protected, earn rewards, and save smarter

Key Features

Lock the Clock: Premium stays based on your entry age until your first claim
ReAssure Forever: Unlimited reinstatement of sum insured for repeated illnesses
Booster+: Carry forward unused coverage up to 10× the base sum insured
M-iracle & Parenthood Benefits: Covers maternity, IVF, surrogacy, adoption, and vaccinations
Borderless Benefit: Global emergency treatment coverage outside India
Cash-Bag Benefit: Earn back a portion of your premium through healthy lifestyle rewards
Future Ready & Safeguard Benefits: Adjusts coverage for inflation and waives premium in case of critical illness

Pro Tip

Buy Aspire early to lock your premium at a younger age and build a cover that automatically expands with your health milestones

Niva Bupa ReAssure 2.0 Health Insurance

Niva Bupa ReAssure 2.0 Health Insurance offers powerful, unlimited protection that grows with you. It enhances the original ReAssure plan with smarter features like ReAssure Forever, Booster+, and Safeguard+. Your coverage automatically replenishes after each claim, ensuring uninterrupted protection for every hospitalization. Ideal for families seeking long-term, inflation-proof, and flexible health coverage

Key Features

ReAssure Forever: Unlimited reinstatement of your base sum insured for related or unrelated illnesses
Booster+: Carry forward unused sum insured up to 10x your base coverage for future use
Lock the Clock: Pay premium based on entry age until your first claim
Safeguard+: No deduction on non-payable items, ensuring higher claim payouts
Global+ Benefit: Get medical coverage for emergencies outside India
Health Check-up & Wellness Rewards: Earn discounts and bonuses for maintaining healthy habits
Cashless Network: Access treatment at over 10,000+ hospitals with 30-minute claim approvals

How to Claim Niva Bupa Health insurance

Step 1

Visit any Niva Bupa network hospital for your treatment or planned admission

Step 2

Share your Niva Bupa Health Card or policy number, along with a valid ID like your PAN, Aadhaar, Passport etc

Step 3

The hospital will verify your details and send a pre-authorisation request for approval

Step 4

Request is reviewed and confirmed with the hospital directly, you’ll also get an update

Top Add-ons by Niva Bupa

Safeguard / Safeguard + Rider

What it is:  

An optional add-on that reimburses non-payable consumables, protects your No-Claim Bonus, and increases Sum Insured yearly

Why it matters:

 Covers hospital items usually excluded, keeps your accumulated bonus intact, and prevents your cover from losing value

Hospital Cash Benefit

What it is:  

Pays a fixed daily cash allowance (₹1,000 to ₹4,000/day depending on Sum Insured) for each day of hospitalization

Why it matters: 

Gives you liquid cash to handle incidental costs such as travel, meals, or attendant expenses etc

Why Buy from Apollo

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FAQs

What kinds of health insurance plans does Niva Bupa offer?

Do I need a medical check-up before buying a Niva Bupa health insurance policy?

What is a pre-existing disease or condition under Niva Bupa plans?

Can I buy coverage for my entire family under a Niva Bupa floater plan?

Does Niva Bupa cover cashless hospitalisation across India?

Does Niva Bupa cover newborns or maternity?

Insurance benefits, features, and eligibility are subject to insurer terms, IRDAI regulations, and policy documents. Please read all details carefully before purchasing

Quick Links

Benefits of Choosing Niva Bupa Health Insurance
How to Claim Niva Bupa Health insurance
Top Add-ons by Niva Bupa

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