Niva Bupa Health Insurance

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Niva Bupa
Health Insurance

Niva Bupa Health Insurance Company Limited is formed by a joint undertaking between the Bupa Finance Plc, UK- headquarter and the Niva India which specializes in healthcare services. Niva Bupa Insurance Ltd offer insurance in many sectors of life such as life insurance, travel insurance, health insurance, motor insurance and etc., Niva Bupa Health Insurance is emerging as a great competitor of all other insurance providers with a support of 29 million customers in more than 190 countries. Niva Bupa Health Insurance plan helps the policyholder economically, mentally and offer assistance in getting the best medical consultant and care. It tends to build a long-lasting bond between the policyholder and the Niva Bupa Health Insurance.

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On Niva Bupa Official Website

Updated: 18-05-2024 03:09:15 PM

Highlights of Niva Bupa Health Insurance

Network Hospitals 3500+
Renewability Lifetime
Claims Ratio 50.19
Waiting Period 4 Years
Grievances Solved 100.00%

Benefits Of Niva Bupa Health Insurance

  • The Niva Bupa Health Insurance plan offers wide covers that cover a maximum of 4 members of your family with up to 2 children and 2 adults. Niva Bupa Health Insurance offers cover for the entire family, including newborn babies and senior citizens, through its wide range of individual and family floater plans.
  • Policy seeker or any age can apply and enrol for the Niva Bupa Health Insurance.
  • The Niva Bupa health insurance plan covers medical expenses for 30 days prior to hospitalization (Pre – Hospitalisation ) and 60 days post hospitalization only for related medical expenses (post – Hospitalisation).
  • After the completion of the 1-year waiting period since the purchase of a Niva Bupa health insurance policy policyholder can enjoy the maternity related expenditures cover for mothers and newborn babies.
  • The Niva Bupa Health Insurance Covers Various medical expenses like hospital room rent, pre and post hospitalization, OPD expenses cover, organ donation, and day care.
  • The Niva Bupa Health Insurance policy also offers cover for the transportation of the policyholder including ambulance charges during any emergency.

Types of Niva Bupa Health Insurance Plans

In a family, everyone has a different taste bud and crave for different types of food. It is never like everyone is eating one thing without any change in the menu. Same as that the Niva Bupa Health Insurance policy offers different types of health insurance policies from which one can choose as per requirements and the cover.

Niva Bupa GoActive Individual Health Plan

If you are fit, then everything is hit! Niva Bupa GoActive Individual Health Plan offers comprehensive health insurance coverage for an individual. One perfect health insurance cover can make the life of an individual perfect. It is a pocket-friendly insurance plan with wider cover.

Benefits and features of Niva Bupa GoActive Individual Health Plan

  • Niva Bupa GoActive Individual health Plan offer coverage to all forms of accommodation and that too without any limitations on room rent cost for the Sum Insured of Rs.5 lacs and much more.
  • One can also obtain the second medical opinion for specified illness / planned surgery / surgical procedure if required.
  • The policyholder can avail OPD consultations in both cases whether it is cashless or reimbursement. In case of reimbursement, the maximum amount payable per OPD consultation is Rs.600 (for Zone 1) and Rs.500 (for Zone 2).
  • Under Niva Bupa GoActive Individual health Plan policyholder can avail consultation and/ or counselling from a psychotherapist over a phone call to provide support on pre-marital counselling, nutrition, stress, child, parenting and etc.
  • The policyholder is eligible to get a discount of 10% in the first policy year base Premium and all such renewal Base Premiums, if the age of the eldest insured is less than/ or equal to 35 years.

Eligibility of Niva Bupa GoActive Individual Health Plan

The minimum eligibility age for adults under the Niva Bupa GoActive Individual health policy is from 18 years to 65 years (maximum eligibility age). The entry age for dependent children is from 91 days to 21 years.

Sum Insured Rs 4 Lacs to 25 lacs
Policy Tenure 1 year
Free Look Period 15 Days
Domiciliary Hospitalization Available
Renewal Lifetime

Exclusions 0f Niva Bupa GoActive Individual Health Plan

  • Any dental or oral treatment is not covered under the Niva Bupa GoActive Individual Health Plan.
  • Any sexually transmitted diseases such as HIV, AIDS, and related complex is also excluded from the plan.

Niva Bupa Health Insurance Claim Process

At the Niva Bupa Health Insurance, making a claim is simple and convenient. The Niva Bupa Health Insurance has an in-house claim settlement process team that processes the insurance claims within 30 working days from the time you receive your last necessary documentation.

There are 2 types of health insurance claims one can make with the Niva Bupa Health Insurance:

Cashless Claim

The cashless claim can be made if the individual got treatment from the network hospitals of Niva Bupa Health Insurance.

If in case the insurance cashless claim is rejection, one can pay all bills and later apply for reimbursement claim.

  • In the network hospital, fill up dually pre-authorisation request form. Policyholders can get the pre-authorization form available at the hospital’s insurance/TPA Desk.
  • The duly filled authorisation form is sent to the insurer via email or fax.
  • After approval, the policyholder gets the benefit of cashless treatment.
  • The insurer can also send the inquiry to the hospital before authorisation.

If in case the insurance cashless claim is rejection, one can pay all bills and later apply for reimbursement claim.


Reimbursement Claim

  • The policyholder has to complete the necessary form and submit along with the required documents, as per the policy terms and conditions.
  • Necessary documents include discharge summary, prescriptions, original bills etc.
  • Then an Approved letter will be sent by the claim management team to the hospital. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.
  • In case the claim is rejected, the reasons will be communicated by the team and you have to make payment for the same.

Note:- In case of any emergencies, you need to inform Niva Bupa within 24 hours of admission to the hospital. But, In the case of planned emergencies, the notification has to reach the Niva Bupa Insurance Company within 48 hours prior to the hospitalization. The claim intimation can be done via Niva Bupa’s toll-free number 1800-3010-3333. The same can also be emailed to [email protected].

Why Niva Bupa Health Insurance?

Niva Bupa Health Insurance have tailor made offers for the customer keeping in mind their requirements, need, cover, family members, age and income. Niva Bupa Health Insurance has a health insurance plan for everyone. No matter if you are wealthy or poor, old or young, if you are diagnosed with some disease then you have to get a good treatment in order to get better and live life as desired.

Niva Bupa medical insurance is providing cashless facility with 3,500+ network hospitals to the policyholder in all over the India. Not only this but a few specific medical insurance policies offers international cashless treatment to the insured for major critical illnesses such as organ transplant and cancer with the help of its global network in more than 190 countries.

The policyholder gets assistance without any hassle even in abroad. Niva Bupa medical insurance provides a wide range of health insurance plans that are suitable for the family inclusive of from newborn babies to senior citizens under a single effective insurance policy. Above all, while making the claim, Niva Bupa insurance policy provided direct claim settlement. There will be no involvement of a TPA that save time and give a better facility to the policyholder. The incurred claim settlement ratio of Niva Bupa Health Insurance for F.Y. 2017 – 18 is 50.19% which is quite attractive.

How I Can Buy Niva Bupa Health Insurance Plan Online

This is the age of technology and everything is just a click away. But, not everyone has good knowledge of technology. The Niva Bupa Health Insurance offer everyone an equal chance to buy health insurance policy. Basically there are three modes through which you can buy Niva Bupa Health Insurance plan-

  • Online: On purchase of this plan online your policy will be generated instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical check-up.
  • Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, you can talk to the specially trained sales team or your local advisor. Call Niva Bupa Health insurance on Phone 1800 3010 3333 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) and select ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.
  • Branch: If you want to have a one on one conversation about your health insurance policy then visit the Niva Bupa branch in your city and complete the full process of buying a policy at one place with all information.

Exclusions of Niva Bupa Health Insurance

  • Any damage or loss that occurs due to injuries caused in certain situations like a riot, war, terrorist activities, nuclear weapons, etc. is not covered under the Niva Bupa Health Insurance policy.
  • Any loss or damage that is caused when the policyholder is the influence of any toxic medicines, Drugs, alcohol etc is excluded from the Niva Bupa Health Insurance.
  • Any loss or damage that is caused due to participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/watercraft that is authorized by the relevant regulations to carry such passengers between established airports or ports are also excluded from the policy cover,
  • The Niva Bupa Health Insurance does not cover any expense that occurs due to any cosmetic surgery, obesity or fat cutter surgery etc.
  • If the policyholder tries and harms him/ her consciously or unconsciously such as the attempt to suicide due then no cover is offered to the policyholder.
  • If the policyholder is involved in loss or damage that is caused by some nuclear contamination; explosive or hazardous materials, radioactive, and such types of activities is not covered by the Niva Bupa Health Insurance.

Niva Bupa Health Insurance Review

We all try to work in a systematic manner in order to avoid any event that hinders our pace of happiness. But, sometimes, things are not in our hands. Many factors like, economic crisis, sudden job loss, education stress, personal problems increase the tension level. Among these, health problems leave a long time impact on life. Health problems are not something new to deal with. But, with time, the way of dealing with the health illness and disease have changed to a great extent. Now, as education sector is emerging with the great boost, people are getting aware about the need of insurance in our life.

Insurance market is flooded with various insurers claiming to be the best! Niva Bupa Health Insurance is blooming as the mighty flower in the garden of insurance market. There are many health insurance companies in the Indian insurance market and Niva Bupa is one of the most famous health insurance policies. Niva Bupa Health Insurance is the finest example to receive best healthcare services at affordable prices. The easy and fast claim settlement service, market reputation has made it the best choice for all customers


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Now a days. Health problem comes unannounced and one has to be actively ready to face no matter what comes on the way. Niva Bupa Health insurance comes with various benefits and features for the policyholder that it becomes a must-

  • Niva Bupa Health Insurance plan offers tailor-made health insurance plans that not only cover the newborn baby of the family but also, the senior citizens.
  • Niva Bupa Health Insurance plan offers direct claim settlement without any TPA.
  • Niva Bupa Health Insurance plan does not have any sub – limits under room rents and offers assured lifelong renewability to the policyholder.

You have to be careful with all aspects of your Niva Bupa Health Insurance, but in general, you can make a checklist and it consist of following points-

  • You have to compare all the plans which are provided by the Niva Bupa Health Insurance and choose a sum insured option that provides enough coverage to suit the health needs of the individual and your family
  • Finalize the coverage amount broadly.
  • Finalize the add-on options to enhance the coverage option of your Niva Bupa Health Insurance at a minimum premium amount increase.
  • Read the policy document completely and Check the waiting period and exclusions of the Insurance Policy.
  • Keep all your documents ready and handy such as Id proof, Address proof etc.

Satisfaction is the utmost factor when anyone buys the insurance policy. Free look period is just what you need when you are unsure about your health insurance plan.

If you are unsatisfied with your policy, you have a 15 day free look period during which you can cancel your policy simply by stating your reason. The free look period will be 30 days if the Policy is purchased through distance marketing mode and Policy Tenure is 3 years.

Niva Bupa Health Insurance has a customer grievance redressal mechanism that gives policyholders the platform to lodge complaints. This can be done by calling the toll-free number or writing an email.

Yes! You can get treatment in a network or non network hospital, but it differs with the claim. A network hospital is a hospital with which your health insurance provider has an official connection. You can enjoy cashless hospitalization in a network hospital. In a non- network hospital, you cannot avail cashless hospitalization and with this hospital, your health insurance provider does not have any tie up. Depending on the Niva Bupa Health Insurance policy, you can just get a reimbursement of your expenses during the treatment of policyholder from non – network hospitals.

Any illness, injury, disease or condition detected, treated or diagnosed before 48 hours of purchasing the policy is considered a pre-existing condition or disease.

Yes, you can cover yourself and your spouse residing anywhere in India under one Niva Bupa Health Insurance Policy.