Niva Bupa Health Insurance
Cashless Approval TAT | Within 30 minutes |
Claim Settlement Ratio | 92.00% |
Network Hospitals | 10,000+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | Unlimited restoration |
Starting Premium for Rs. 5 lakhs SI | Rs. 550/month |
Niva Bupa Health Insurance was formerly known as Max Bupa Health Insurance Company Limited. It was founded in 2008 and is a joint venture between the Bupa Group and Fettle Tone LLP. Through the establishment of the concept of "health insurance for freedom and not constraints," Niva Bupa strategically changed the narrative surrounding health insurance in India.
About Niva Bupa Health Insurance
Niva Bupa Health Insurance caters to a large number of customers including individuals, families and senior citizens with plans starting from the lowest premium of Rs. 20/day. There are over 10,000+ network hospitals associated with NivaBupa where you can claim cashless treatment in less than 30 minutes. Niva Bupa Focuses on building relationships with its customers because according to the company “health insurance is not only for annual transactions”.
Key Features of Niva Bupa Health Insurance
Listed below are the key features of Niva Bupa Health Insurance:
- Relationship manager available 24x7: You can call the relationship manager for any of your queries related to your health insurance at any time. Your problem will be solved by the relationship manager even at midnight.
- Maternity Benefits: Niva Bupa Health Insurance covers the expenses related to maternity like delivery, labour and pregnancy. It is the only company in India that provides only a 9-month waiting period for pregnancy coverage.
- Fastest Claim Settlement: Niva Bupa has a record of settling its claim in a short period of time. The company settled its claim in less than 30 minutes.
Health Insurance Calculator
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Key Metrics
Go through the key metrics of Niva Bupa Health Insurance from the table below:
Key Metrics |
Data |
Claim Settlement Ratio |
92% |
Solvency Ratio |
1.67 |
Lives Covered |
7 million+ |
10,000+ |
|
Launch Year |
2008 |
* Claim settlement ratio is the metric used to evaluate the insurance company on the basis of claims settled by them. The percentage of claims received and from that how much claim is settled is calculated and then the claim settlement ratio comes out. If the company has a claim settlement ratio greater than 85% then it is considered good to go for an insurance policy.
** Solvency ratio is used to calculate the financial stability of the company. It is used to measure whether the company is capable of paying its long-term debt or not.
Niva Bupa Health Insurance Plan List
- Individual (17)
- Family (17)
- Woman (17)
- Blood Pressure (17)
- Kids (17)
- Thyroid (17)
- Diabetes (17)
- Parents (15)
- Maternity (3)
- Heart (7)
- Senior Citizen (9)
Reassure Individual/floater plan
Cover
5 Lakh
Cashless Hospital
10240
Starting From ₹ 773/month*
Health Recharge
Cover
10 Lakh
Cashless Hospital
10240
Starting From ₹ 81/month*
Health Pulse
Cover
5 Lakh
Cashless Hospital
10240
Starting From ₹ 678/month*
Eligibility to Purchase Niva Bupa Health Insurance Plan
There are a few eligibility criteria that should be fulfilled to purchase health insurance plans from Niva Bupa and those eligibilities are:
Age- For Purchasing health insurance plans from Niva Bupa eligibility for age is 18 to 65 years for an individual and it can go up to 70 years in some cases.
For children eligibility criteria of age is from 16 days to 18 years.
Niva Bupa Health Insurance Top Up List
Name of Plan | Sum Insured | |
Health Recharge Policy Min: 18 years; Max: 65 years | 2 Lakh - 95 Lakh | Check Premium |
Top Plans Offered by Niva Bupa Health Insurance
The top plans by Niva Bupa Health Insurance Company are tabulated below:
Plan |
Plan Type |
Sum Insured |
Suitable For |
Aspire |
Individual and Family floater |
Rs. 3 Lakh to Rs.1 Crore |
Family |
Individual and Family floater |
Rs. 5 Lakh to Rs.1 Crore |
Family |
|
Individual and Family floaters |
Rs. 3 Lakh to Rs. 1 Crore |
Family |
|
Individual and Family floaters |
1 Cr / 2 Cr / 3 Cr |
Family |
Riders Offered By Niva Bupa Health Insurance
Riders are available in the health insurance plans of Niva Bupa and they are:
- Hospital Cash: You can avail the benefit of hospital cash which will help you with the daily expenses during hospitalisation. It starts from 1000/day and increases as per the sum insured.
- Safeguard+ Add-on: In this rider, all 4 Lists of Non-Payable items are paid up to the sum insured. Under this rider, if you will take a claim of up to Rs.1,00,000 in a policy year then there will be no impact on the no-claim bonus.
- Personal Accident Coverage: This rider will help in financial security for your family in your absence. In case you met with an accident and due to that you died then your family will get 5 times of base sum insured of up to 1 crore.
- International coverage: This rider will enhance your geographical coverage for your treatment and you will get coverage for the treatment you will take outside India.
How to Purchase Niva Bupa Health Insurance Policy?
There are two ways through which you can purchase the Niva Bupa Health Insurance policy, one is online and another is through agents.
Purchase Niva Bupa Health Insurance Policy via the Insurer’s Website
Please follow the given below process for purchasing Niva Bupa Health Insurance from its official website:
Step 1: Visit the Niva Bupa Health Insurance Website
On your search engine open the Niva Bupa health insurance website and visit the health insurance section.
Step 2: Fill in the Required Details
Fill in the basic information required such as name, contact number etc.
Step 3: Choose a Plan
Choose the plan and modify it by choosing the sum insured and riders according to your needs.
Step 4: Provide KYC
Provide your KYC details such as your PAN card number, aadhar card, photo etc.
Step 5: Read Terms and Conditions
Go through the terms and conditions of the policy and read carefully before purchasing.
Step 6: Make Premium Payment Online
After reviewing the plan go to the payment option and choose the payment option according to your convenience and make payment.
Documents Required for Purchasing Your Policy
- Copy of the Proposal Form and OTP Verification
- Medical Reports
- Address Proof (Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill, Voter ID).
- Proof of age (10th or 12th Mark Sheet, Voter’s ID, Passport, PAN Card, Driving Licence)
- Passport-size Photographs
How to Claim Your Health Insurance?
Niva Bupa is a company that is known for its hassle-free claim process and duration in which they settle the claim. Niva Bupa gives cashless treatment at their network hospitals. To file a claim for a network hospital you have to inform the company 48 hours before for planned treatment and within 24 hours for emergency treatment. For getting claims for the treatment taken at non-network hospitals you have to submit all bills and claim forms within 30 days of discharge and your claim will be processed within 7 days of submission.
Awards and Achievements of Niva Bupa Health Insurance
- Best BFSI Brands 2024 by Economic Times
- Gold winner in the category of Healthcare Insurance Company of the Year by IAMAI
- Best Health Insurer among standalone health insurance companies at the Mint BFSI Summit and Awards
- Winner of ESG 2023 in Golden Peacock Awards and honoured in the esteemed category of ‘Swift & Prompt Insurer’ at the Annual Insurance Summit
Niva Bupa Health Insurance - Customer Service & Support
To connect with the Niva Bupa Health Insurance customer service and support team you can:
Visit Insta Assist on Website at https://rules.nivabupa.com/customer-service
Senior citizens may write to seniorcitizensupport@nivabupa.com for priority assistance.
Download the Niva Bupa Health Insurance Application
Raise a request for your query by registering your phone number on their website
Send "Hi" on Whatsapp Number 9811956696
Call for customer service- 18605008888
You can also connect with InsuranceDekho's Customer Support Team by sending an email to support@insurancedekho.com or by calling +91-755 1196 989.
Complaints & Grievance Redressal
Niva Bupa has a well-settled grievance cell which will help you in addressing your concerns. You can contact them with the following information:
Write at:
Customer Services Unit
Niva Bupa Health Insurance Company Limited
(formerly known as Max Bupa Health Insurance Company Limited)
Logix Infotec Park, D-5, 2nd Floor, Sector-59, Noida Pin Code - 201301.
Near Noida Sector 59 Metro Station
Customers may also visit any of the Branch offices/Branch GRO
You can visit the website of Niva Bupa go to customer support click on Grievance redressal and then follow the steps given there.
InsuranceDekho Grievance Redressal
You can also contact the InsuranceDekho grievance cell at :
grievance@insurancedekho.com . Or Contact Number: 7551196989
FAQs
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Who is eligible for Niva Bupa Health Insurance Cancer Plans?
To get the Niva Bupa health insurance for cancer your age should be 18 years to 65 years old and dependent children should be 2 years to 21 years of age.
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Can I avail of cashless treatment for cancer-related expenses under Niva Bupa health insurance?
Yes, you can avail of cashless treatment for cancer-related expenses under Niva Bupa Health Insurance. You have to inform Niva Bupa before your hospitalisation and you have to take treatment at network hospitals.
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Does Niva Bupa Health Insurance cover alternative cancer treatments?
Yes, there are plans that cover alternative treatments like AYUSH, homeopathic etc and for cancer, it will depend on the type of plans purchased. To know more carefully read your policy documents.
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Are chemotherapy and radiation therapy covered under Niva Bupa Health Insurance cancer plans?
Yes, the Niva Bupa Health Insurance cancer plan does cover chemotherapy and radiation therapy and it will also depend on the plan you have purchased.