Niva Bupa Health Insurance
Claim Settlement Ratio 92% Network Hospital 10000+
Reassure 3.0
Aspire Plan
Reassure 2.0
Health Companion
Health Recharge
Niva Bupa Health Insurance
Niva Bupa Health Insurance Company Limited is a standalone health insurance company in India, earlier known as Max Bupa Health Insurance. The company was originally formed as a joint venture between Bupa Group, a UK based fettle tone LLP. It was incorporated in 2008 and began its health insurance operations in 2010 with a clear focus on providing customer centric and transparent health coverage.
In 2019, Max India exited the joint venture by selling its entire stake to private equity investors, after which the company rebranded itself as Niva Bupa Health Insurance. The insurer operates as a fully independent health insurance provider and is regulated by the Insurance Regulatory and Development Authority of India IRDAI. With a strong capital base of over Rs 900 crore, Niva Bupa continues to strengthen its financial stability and long term growth in the Indian health insurance market.
Niva Bupa Health Insurance has been known for adopting technology driven initiatives to improve customer service. It was among the early health insurers to integrate with the IRDAI integrated grievance management system, allowing real time grievance tracking and faster resolution. This step reinforced the company’s commitment to transparency and policyholder trust.
Features of Niva Bupa Health Insurance Company
Niva Bupa Health Insurance offers a range of features designed to provide strong medical protection. The plans focus on comprehensive coverage, including hospitalization, day care treatments, and pre and post hospitalization expenses. Policyholders benefit from access to a large network of cashless hospitals, allowing them to receive treatment without financial stress. Features of Niva Bupa health insurance are as follows:
- Niva Bupa health insurance has 10000+ network hospitals across India, you can avail cashless facilities in a medical emergencies.
- Niva Bupa health insurance has strong claim settlement ration of 92% that shows the ability to pay the claims.
- Niva Bupa health plans are customs made to meet individuals as well as families health coverage needs.
- Some plan also offer international coverage for 9 major critical illness across 190 centuries.
- There is a provision to cover life threating illness under the Max Bupa Criticare health insurance plan
- The insurer also provides cashless claim authorization within 30 minutes.
Health Plans Offered By Niva Bupa Health Insurance
Niva Bupa Health Insurance offers a wide range of health insurance plans designed to cover hospitalization, day care treatments, and critical illness. Their policies focus on high sum insured options, cashless treatment across a large network hospitals, and lifelong renewability. Niva Bupa health plans are known for features like maternity, day one pre-existing strong claim settlement, booster benefit in which you can carry forward your unused sum insured and optional benefits such as maternity and OPD cover. These plans are suitable for individuals, families, and senior citizens looking for comprehensive health insurance in India:
|
Plan Name |
Sum Insured |
Entry Age |
|
Reassure 3.0 |
Unlimited Sum Insured |
Minimum 18 Years and Maximum 99 Years, Child can be covered till 30 years |
|
Aspire Plan |
5 Lakh to 1 Crore |
Minimum 18 Years and Maximum 65 Years |
|
Reassure 2.0 |
5 Lakh to 1 Crore |
Minimum 18 Years and Maximum 65 Years |
|
Health Companion |
5 Lakh to 1 Crore |
Minimum 18 Years and Maximum No Age Limit |
|
Health Recharge |
5 Lakh to 95 Lakh |
Minimum 18 Years and Maximum 65 Years and child can be covered till 25 years |
Exclusions of Niva Bupa Health Insurance
Niva Bupa health insurance policies do not cover certain condition to control misuse and keep premiums affordable. Expenses related to treatments that are not medically necessary, or taken only for comfort or cosmetic improvement, are generally excluded. Claims arising from non-disclosure of existing illnesses or violation of policy terms may also be rejected. Rather than that here are some common exclusions:
- Pre-existing diseases during the initial waiting period as defined in the policy
- Cosmetic, aesthetic, or plastic surgeries unless required due to an accident
- Infertility treatments, IVF, and assisted reproduction procedures
- Self-inflicted injuries, substance abuse, or treatment related to alcohol or drug use
- Hospitalization solely for diagnostic tests without active treatment
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Features of Niva Bupa Health Insurance Company
Niva Bupa Health Insurance offers a range of features designed to provide strong medical protection. The plans focus on comprehensive coverage, including hospitalization, day care treatments, and pre and post hospitalization expenses. Policyholders benefit from access to a large network of cashless hospitals, allowing them to receive treatment without financial stress. Features of Niva Bupa health insurance are as follows:
- Niva Bupa health insurance has 10000+ network hospitals across India, you can avail cashless facilities in a medical emergencies.
- Niva Bupa health insurance has strong claim settlement ration of 92% that shows the ability to pay the claims.
- Niva Bupa health plans are customs made to meet individuals as well as families health coverage needs.
- Some plan also offer international coverage for 9 major critical illness across 190 centuries.
- There is a provision to cover life threating illness under the Max Bupa Criticare health insurance plan
- The insurer also provides cashless claim authorization within 30 minutes.
Health Plans Offered By Niva Bupa Health Insurance
Niva Bupa Health Insurance offers a wide range of health insurance plans designed to cover hospitalization, day care treatments, and critical illness. Their policies focus on high sum insured options, cashless treatment across a large network hospitals, and lifelong renewability. Niva Bupa health plans are known for features like maternity, day one pre-existing strong claim settlement, booster benefit in which you can carry forward your unused sum insured and optional benefits such as maternity and OPD cover. These plans are suitable for individuals, families, and senior citizens looking for comprehensive health insurance in India:
|
Plan Name |
Sum Insured |
Entry Age |
|
Reassure 3.0 |
Unlimited Sum Insured |
Minimum 18 Years and Maximum 99 Years, Child can be covered till 30 years |
|
Aspire Plan |
5 Lakh to 1 Crore |
Minimum 18 Years and Maximum 65 Years |
|
Reassure 2.0 |
5 Lakh to 1 Crore |
Minimum 18 Years and Maximum 65 Years |
|
Health Companion |
5 Lakh to 1 Crore |
Minimum 18 Years and Maximum No Age Limit |
|
Health Recharge |
5 Lakh to 95 Lakh |
Minimum 18 Years and Maximum 65 Years and child can be covered till 25 years |
Exclusions of Niva Bupa Health Insurance
Niva Bupa health insurance policies do not cover certain condition to control misuse and keep premiums affordable. Expenses related to treatments that are not medically necessary, or taken only for comfort or cosmetic improvement, are generally excluded. Claims arising from non-disclosure of existing illnesses or violation of policy terms may also be rejected. Rather than that here are some common exclusions:
- Pre-existing diseases during the initial waiting period as defined in the policy
- Cosmetic, aesthetic, or plastic surgeries unless required due to an accident
- Infertility treatments, IVF, and assisted reproduction procedures
- Self-inflicted injuries, substance abuse, or treatment related to alcohol or drug use
- Hospitalization solely for diagnostic tests without active treatment
5.0
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