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Niva Bupa Health Premia Health Insurance

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Niva Bupa Health Insurance
Health Premia
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio90.70%
Network Hospitals10,000+
Pre-existing Disease Coverage FromDay 1
Special BenefitsUnlimited restoration
Starting Premium for Rs. 5 lakhs SIRs. 550/month

About Niva Bupa Health Premia Health Insurance

Niva Bupa Health Insurance has introduced the Health Premia Plan, a health insurance policy designed to provide complete protection for you and your family without breaking the bank. The plan offers three variants: Silver, Gold, and Platinum, and you can choose to cover yourself or your entire family under any of these variants. This comprehensive policy covers a wide range of medical expenses, including hospitalisation, daycare, ambulance services, maternity, and even travel insurance, e-consultations, and mental health treatment. Moreover, you can pick a coverage amount as low as Rs. 5 Lakh or as high as Rs. 3 crore.

Furthermore, the policy also comes with lifetime renewability, premium waiver options, refill benefits, and a 15-day free-look period for all its variants. In short, the Niva Bupa Health Premia Plan is a convenient and affordable way to safeguard your health and well-being.

Health Premia Health Insurance At a Glance

Health Premia Health Insurance highlights are listed below in the table:


Both Individual and Family Floater


Personal Accident Cover, Critical Illness Cover, Hospital Cash, etc.


Silver, Gold, and Platinum

Key features

Premium Waiver, New Age Treatment, Maternity Benefit, etc


Room Rent, Pre and Post Hospitalisation, AYUSH Treatment, etc.


Hazardous Activity, Conflict and Disaster, etc.

Riders Available With Health Premia Niva Bupa Health Insurance

Following are the riders or add-ons available with Health Premia Niva Bupa Health Insurance:

  • Personal Accident Cover - With this add-on, you can protect your family's financial security in the event of personal accidents, ensuring they're well taken care of during unexpected hardships.
  • Critical Illness Cover - Gain peace of mind with coverage against major critical illnesses like cancer or kidney failure, depending on your initial coverage amount. This cover ensures you can focus on your recovery without worrying about medical bills.
  • Hospital Cash - This rider allows you to receive extra financial support during your hospital stay. It provides cash for up to 30 days of hospitalisation when your hospital visit exceeds 48 hours, helping you manage additional expenses that may arise.
  • Health Coach - Access a guiding hand on your journey to better health with a Health Coach rider. This feature offers support and advice to enhance your overall well-being, ensuring you make informed choices for a healthier lifestyle.
  • Enhanced Geographical Cover - With enhanced geographical cover, you can extend your safety net beyond borders. This this add-on, you're entitled to international coverage in the USA and Canada, assuring you're protected no matter where you travel.
  • Enhanced Loyalty Additions - Watch your insurance coverage grow steadily, increasing by 20% each year, up to a maximum of 200% of your initial coverage. This enhancement remains in effect regardless of your claim history, reinforcing your financial safety net.

Key Features of Niva Bupa Health Premia Health Insurance Plan

The following are the key features of the Niva Bupa Health Premia Health Insurance Plan:

  • Premium Waiver: Receive a one-year policy extension at no cost if the policyholder passes away or is diagnosed with specified illnesses, ensuring continued protection for your loved ones.
  • Emergency Assistance Service: Enjoy coverage for essential medical services like evaluations, referrals, and repatriation when traveling within India, provided you're at least 150 kilometers away from your home and your trip lasts fewer than 90 days, offering peace of mind on your journeys.
  • New Age Treatment: Access modern treatments like CyberKnife, robotic surgery, laser procedures, and even weight loss (bariatric) surgeries, ensuring you can explore advanced healthcare options when needed.
  • Maternity Benefit: Obtain maternity benefits for up to two deliveries, available after you and your spouse have been policyholders for two consecutive years, giving you added support during these special times.
  • Refill Advantage: When your base coverage and loyalty additions are exhausted, receive an additional sum insured equivalent to your base coverage for a subsequent claim within the same year. This will provide you with extra financial security.
  • Loyalty Additions: Regardless of your past claims, watch your coverage grow by 10% of your expiring base sum insured every year, up to a maximum of 100% of your base sum insured, offering stability and enhanced protection.
  • Wellness Check-Up: Prioritise your health from day one, as you and your family can undergo diagnostic tests through our service provider on a cashless basis.

Eligibility Criteria of Niva Bupa Health Premia Health Insurance Plan

The eligibility criteria for the Health premia insurance plan are as follows:


Eligibility Criteria

Minimum entry age

18 years

Maximum entry age

65 years

Number of people covered

In the Niva Bupa family floater plan, you can include up to 19 relations in a single policy.

Sum insured

Rs. 5 lakhs to Rs. 3 crores

Variants of Niva Bupa Health Premia Insurance Policy

The three different variants of the Health Premia plan are as follows:





Sum Insured

Rs. 5 lakhs to 7.5 lakhs

Rs. 10 lakhs to 50 lakhs

Rs. 1 crore to 3 crores

Health Checkup

Up to Rs. 1,875 per person

Up to Rs. 7,500 per person

Up to Rs. 10, 000 per person

Maternity Benefits

Up to Rs. 60,000 (Only for family floater plan)

Up to Rs. 100,000 (Only for family floater plan)

Up to ? 200,000 (Only for family floater plan)

AYUSH Treatment

Upto Sum Insured

Upto Sum Insured

Upto Sum Insured

Domiciliary Treatment

Upto Sum Insured

Upto Sum Insured

Upto Sum Insured

Benefits of Niva Bupa Premia Health Insurance Plan

Niva Bupa Premia health insurance plan brings a range of distinctive advantages for its policyholders:

  • Tax Efficiency: You can save on taxes by claiming deductions under section 80D for the premiums you pay.
  • Refill Assurance: In the event that your coverage is depleted due to claims in a policy year, it's refilled and made available for further use.
  • Long-Term Savings: You can enjoy discounts for selecting a long-term policy. Get a 7.5% discount on the second year's premium for a 2-year policy and a 15% discount on the third year's premium for a 3-year policy.
  • Premium Waiver Safeguard: If the policyholder passes away or is diagnosed with a critical illness during the policy term, the premium for the subsequent year is exempted. This feature applies exclusively to the family floater plan.
  • Loyalty Rewards: Regardless of your claim history, you're rewarded with an extra 10% coverage based on the base sum insured each year, with the potential to increase it to 20% through an enhanced loyalty addition, up to a maximum of 200% of the sum insured.
  • Enhanced Sum Insured: This plan allows you to boost your sum insured value or include additional family members in your policy when it's time for renewal.

Inclusions of Niva Bupa Premia Health Insurance Plan

Inclusions of the Niva Bupa Premia plan are mentioned below:

  • In-patient Hospitalisation Cover: Your medical expenses for hospitalisation are covered up to the sum insured, ensuring you receive the care you need without financial worry.
  • Room Rent: The cost of your hospital room is covered up to the sum insured, providing you with a comfortable place during your stay.
  • Pre-Hospitalisation: Expenses incurred in the 90 days before hospitalisation are included in the coverage, so you're supported from the beginning of your treatment journey.
  • Post-Hospitalisation: Medical costs in the 180 days after hospitalisation are covered, ensuring your recovery continues smoothly.
  • AYUSH Treatment: Alternative and traditional treatments are covered, allowing you to explore various healing options.
  • Living Organ Donor Transplant: Expenses related to organ transplants are covered up to the sum insured.
  • Daycare Treatment: Even for procedures that don't require extended hospital stays, you're covered up to the sum insured.
  • Domiciliary Hospitalisation: If you need to receive medical care at home, it's covered up to the sum insured.
  • Specified Illness Cover: Treatment for specified illnesses is included, ensuring comprehensive protection.
  • Emergency Assistance Service: You can access emergency assistance services within India, providing added peace of mind.
  • Newborn Baby Cover: Coverage extends to newborns, offering protection right from the start.
  • Child Care Benefits: Children up to 12 years old are covered up to the sum insured, taking care of their medical needs.
  • Newborn Baby Vaccination Cover: For your newborn's well-being, vaccinations are covered for up to 1 year, following the recommended schedule.
  • HIV/AIDS: For HIV/AIDS-related expenses, you're covered up to Rs. 50,000 after a waiting period of 4 years.
  • Modern Treatments: Costs for modern treatments, including some surgeries, are covered up to the sum insured with a sub-limit of Rs.1 lakh.
  • Maternity Benefit Covered up to 2 Pregnancies: Maternity benefits include coverage ranging from Rs. 60,000 to up to Rs. 2 lakhs, ensuring the well-being of both mother and child during pregnancy.

Exclusions of Health Premia Health Insurance Plan

The exclusions in the Niva Bupa Health Premia insurance plan are as follows:

  • Ancillary Hospital Charges: Additional hospital fees that are not part of your treatment costs are not covered.

  • Hazardous Activities: Injuries or illnesses resulting from risky activities like extreme sports may not be covered.

  • Artificial Life Maintenance: Costs for life-sustaining devices or treatments may not be included.

  • Circumcision: Routine circumcision is typically not covered.

  • Conflict & Disaster: Injuries or illnesses arising from wars, conflicts, or natural disasters are not covered.

  • Cosmetic and Plastic Surgery: Procedures done for cosmetic reasons are usually excluded.

  • Unrecognised Physicians or Hospitals: Expenses incurred from healthcare providers not recognised by the insurer may not be reimbursed.

Documents Required to Purchase Health Premia Health Insurance Plan

To buy the Health Premia Insurance Plan, you'll need to provide these documents:

  • A completed Application Form.
  • Proof of identity like Aadhar card, Passport, Voter ID, or Driver's license.
  • Proof of your age, like Birth Certificate, School Leaving Certificate, or Passport.
  • Proof of address, which can be Utility Bills, Rental Agreement, or your Aadhar Card.
  • Passport-sized Photographs.
  • In some cases, you might need to provide pre-policy health check-up reports.
  • Any other documents requested by the insurer.

How to Purchase a Health Premia Health Insurance Plan?

Here's how you can buy the Health Premia Health Insurance Plan through InsuranceDekho:

Step 1: Visit the official InsuranceDekho website and click on "Health Insurance" under the Insurance section.

Step 2: Choose "Niva Bupa Health Insurance" from the list of Health Insurance Companies.

Step 3: Select the "Health Premia" plan from the available list of health insurance plans.

Step 4: Carefully review the terms and conditions in the Niva Bupa Health Premia policy document.

Step 5: Upload all necessary documents to complete the KYC process.

Step 6: After KYC, proceed to make the premium payment online.

Step 7: You will receive the policy document at your registered email address.

Claim Process for Health Premia Insurance Plan

You can claim the Health Premia Health Insurance plan through two methods:

Cashless Claim

  • Visit a hospital that is affiliated with Niva Bupa.
  • Provide your Health Premia plan details and other required information.
  • Submit the necessary documents, and the insurance company will send an approval form for the expenses.
  • After reviewing the documents, the insurance company will directly pay the hospital.

Reimbursement Claim

  • Choose a nearby hospital within Niva Bupa’s network.
  • Pay your medical bills at the hospital.
  • Request a reimbursement claim settlement on the insurance company's website.
  • Submit the Niva Bupa Health Premia claim form and all plan-related information.
  • After the insurance company reviews your claim, they will reimburse you for the medical expenses you incurred.

Health Insurance Calculator

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Key Inclusions and Exclusions of the Plan

What's Included

  • In built travel insurance coverage
  • Annual health check-up of your choice from day 1
  • Inpatient hospitalisation expenses
  • Daycare expenses
  • Pre-hospitalisation and post-hospitalisation expenses

What's Not Included

  • Treatment required due to participation in hazardous activities
  • Inconsistent, irrelevant or incidental diagnostic procedures
  • Sexually transmitted diseases and infections
  • Non-medical expenses
  • Expenses arising due to unproven treatments

10059 Niva Bupa Cashless Network Hospitals in India

Health Premia User Reviews

Write your review
What users are saying
  • All
  • Amazing coverage benefits

    I recently bought the Niva Bupa Health- Premia at InsuranceDekho and liked the coverage benefits. The policy offers coverage to the insured at an affordable premium. I will visit the portal again for any insurance-related requirements and will suggest it to my friends and family too. 

    By Mira Sharma
    On: Aug 24, 2023
  • Comprehensive coverage

    Niva Bupa Health Insurance- Health Premia offers me comprehensive coverage for many healthcare expenses. I recently bought the policy online at InsuranceDekho and the process took just a few minutes. Thank you InsuranceDekho for such amazing plans.

    By Neelam Goel
    On: Aug 16, 2023
  • Amazing features

    Niva Bupa Health Insurance- Health Premia comes with amazing coverage benefits. I recently bought the policy online at InsuranceDekho and the experts explained to me all the features over call. They were very patient with me and I appreciate that.

    By Radhya Garg
    On: Aug 09, 2023
  • Amazing policy benefits

    Niva Bupa Health Insurance- Health Premia comes with several coverage benefits. I shared my requirements with the customer care executives at InsuranceDekho and they suggested that I should go for this policy. I am happy and satisfied with this policy.

    By Tanya Ghakkar
    On: Aug 03, 2023
  • Affordable policies

    InsuranceDekho offers affordable health insurance policies with extensive coverage. I found their plans to be well-suited for my needs and budget. The customer service team was responsive and helped me choose the right policy. With their help, I bought the Niva Bupa Health Insurance- Health Premia and I feel secure knowing that I have reliable health insurance in place.

    By Preeti Babbar
    On: Jul 05, 2023

Add-ons to Enhance Benefits

  • Personal Accident Cover

    Personal accident add-on can be availed by people aged more than 18 years, on an individual basis. This add-on provides you a lump sum amount in case of a misfortune venet of accidental death or permanent or partial total disability.
  • Critical Illness Cover

    With this add-on, you can enjoy coverage for 20 critical illnesses which the base plan does not cover you for. These illnesses include kidney failure, cancer, stroke, paralysis, etc., as mentioned in the policy document.
  • Hospital Cash

    On adding this add-on to your policy, you can avail hospital cash for up to 30 days of hospitalisation if the hospitalisation for more than 48 hours is required.
  • Health Coach

    This add-on allows you to track your health parameters and get help from virtual coach who help you achieve health goals and motivate you to stay fit.
  • Enhanced Geographical Cover

    By adding this add-on cover to your health insurance policy, you can avail international coverage as well. You can enjoy healthcare coverage in Canada as well as the USA, if required.
  • Enhanced Loyalty Additions

    This add-on increases your sum insured by 20% every year for a maximum of 200% of expiring base sum insured.
View More Questions

Claim Process at Niva Bupa Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Premia Health Insurance Plan

  • What are the waiting periods under the Health Premia Policy offered by Niva Bupa Health Insurance?

    The initial waiting period for Health premia Policy offered by Niva Bupa Health Insurance is 30 days, after which you can make a claim as per the terms and conditions mentioned under the policy. However, the waiting period for pre-existing conditions is 24 months. Kindly note that the waiting period is calculated from the date of commencement of the policy.

  • What are the loyalty additions offered under the policy?

    The policy offers you additional coverage (10% or 20% of base sum insured), as per the terms and conditions of the policy, on completing every year.

  • Who all can be covered under this policy on a family floater basis?

    On a family floater basis, the policy allows you to add 19 relationships. These include self, legally wedded spouse, son, mother, father, daughter in law, etc. 

  • Do I get any tax benefits on paying the premium for this policy in cash?

    No. You can only avail tax benefits under Section 80D on the premium paid for this policy, if the premium is paid in any mode other than cash. 

  • What's the highest amount the plan covers?

    The maximum coverage amount of this health insurance plan is Rs. 3 crores.

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