Niva Bupa (erstwhile Max Bupa)
Health Insurance
Niva Bupa (erstwhile Max Bupa)
Founded in 2008, Niva Bupa (erstwhile Max Bupa) is one of the leading health insurance companies in India. It offers a wide range of insurance policies with sum insured upto 3 Cr. It also has premium policies that offer international coverage for some critical illness like cancer, CABG etc. Some of the policies offer unlimited restoration of sum insured and health checkups right from Day 1.
Niva Bupa (Max Bupa) Health insurance plans
Health Premia Platinum
Niva Bupa’s Health Premia Platinum plan offers comprehensive coverage with sum insured options ranging from ₹1 crore to ₹3 crores. Its standout features include worldwide coverage for medical emergencies and critical illnesses, maternity benefits (up to 2L depending on SI opted for), newborn baby coverage, and annual health check-ups from day one. The plan also comes with a 200% enhanced loyalty addition to the sum insured (as an add-on), restoration benefits, and OPD consultations up to ₹50,000. With no room rent restrictions, advanced treatments like robotic surgeries (sub-limits of 1L on a few robotic surgeries), and travel insurance benefits, it caters to diverse healthcare needs.
ReAssure
Niva Bupa ReAssure is a cutting-edge health insurance policy offering sum insured options ranging from ₹3 lakhs to ₹1 crore. Its standout features include the "ReAssure Forever" benefit, which provides unlimited reinstatement of the sum insured post the first claim, and a no-claim bonus that increases your base sum insured by 50% every claim-free year. With no room rent restrictions, coverage for modern treatments like robotic surgeries, and pre- and post-hospitalization coverage (60 and 180 days), the plan prioritizes flexibility and financial security.
Health Companion
The Niva Bupa Health Companion plan is a versatile health insurance policy designed to cater to individuals, families, and extended relationships. It offers sum insured options ranging from ₹3 lakhs to ₹1 crore across its individual and family floater variants. Key features include restoration of the sum insured, coverage for pre- and post-hospitalization expenses (60 and 180 days), modern treatments (up to SI), AYUSH therapies (up to SI), and daycare procedures (up to SI). Additional benefits like vaccination for animal bites (up to 5K) and home care treatment (up to SI) enhance its utility.
Senior First Platinum
Niva Bupa’s Senior First Platinum plan is a comprehensive health insurance that provides more robust coverage compared to the Gold variant, with sum insured options ranging from ₹5 lakhs to ₹25 lakhs. The plan includes benefits like unlimited ReAssure for multiple claims, annual health check-ups from Day 1, and coverage for modern treatments, AYUSH therapies, and organ donor expenses. However, this plan has a room rent capping of a single private room, making it less appealing for those seeking enhanced comfort during hospitalization.
Health Pulse Enhanced
Niva Bupa’s Health Pulse Enhanced plan is a comprehensive health insurance policy offering sum insured options ranging from ₹3 lakhs to ₹25 lakhs. Key features include a 150% enhanced refill benefit (as an add-on) for exhausted coverage, no co-payment clause, and no disease-specific sub-limits (however, modern treatments are covered up to the Sum Insured with a sub-limit of Rs. 1Lac on a few robotic surgeries), ensuring transparent claims. It covers pre- and post-hospitalization expenses (30 and 60 days), daycare treatments (up to SI), domiciliary hospitalization (up to SI), and organ donor expenses (up to SI). The plan also comes with annual health check-ups starting from the second year and room rent caps (Up to 1% of Base Sum Insured or Single Private Room (whichever is lower) for SI < ₹5L; Single Private Room for SI ≥ ₹5L).
GoActive
The Niva Bupa GoActive plan is a digitally enabled health insurance policy designed for everyday use, offering holistic coverage for individuals and families. It provides cover amount options up to ₹25 lakhs. Land includes features like OPD consultations, diagnostic services, pre- and post-hospitalization expenses (90-180 days respectively), domiciliary care, day care & AYUSH treatments coverage (up to SI). Unique benefits include the I-Protect add-on (increases sum insured by 10% on every renewal), personalized health coaching with premium discounts, and second medical opinions for critical illnesses. Above all, the plan uses technology to create a seamless wellness ecosystem through its app.
Aspire Platinum +
Niva Bupa’s Aspire Platinum+ plan offers enhanced benefits compared to the Gold+ and Diamond+ variants, making it a premium yet affordable option. While retaining features like "Lock the Clock," "Booster+," and "M-iracle," Platinum+ significantly reduces the maternity waiting period to just 9 months (compared to 4 years in Gold+ and 2 years in Diamond+). It also includes global healthcare access via "Borderless" and rewards for claim-free years through "Cash-Bag." Coverage options extend up to ₹1 crore, ensuring robust financial protection.
Aspire Titanium+
Niva Bupa’s Aspire Titanium+ plan is the most premium offering in the Aspire portfolio, delivering advanced features that distinguish it from Gold+, Diamond+, and Platinum+ variants. It includes "Lock the Clock+" for age-locked premiums unaffected by regular as well as maternity claims, and "Fast Forward" for multi-year coverage within a single year. The plan also offers enhanced cashback rewards via "Cash-Bag" and comprehensive global healthcare access through "Borderless." With coverage up to ₹1 crore, Titanium+ is tailored for individuals seeking top-tier benefits.
ReAssure 2.0 Platinum+
Niva Bupa’s ReAssure 2.0 Platinum+ is a premium health insurance policy offering comprehensive coverage with sum insured options up to ₹1 crore. It features the "ReAssure Forever" benefit, alongside the "Booster+" benefit, which allows unused coverage to be transferred over to the next policy year (up to 5 times the base sum insured). The plan includes no room rent restrictions, coverage for daycare treatments without financial limits, and annual health check-ups. It also offers add-ons like Safeguard+ & Hospital Cash..
Health Premia Silver
The Niva Bupa Health Premia Silver plan offers sum insured options from ₹5 lakhs to ₹7.5 lakhs. Key features include 100% restoration of the sum insured, coverage for pre- and post-hospitalization expenses (90 and 180 days), and no room rent restrictions except for suites or higher categories. The plan also offers maternity benefits after two years (covered up to 60,000 depending on SI), coverage for newborns, and annual health check-ups. It includes advanced features like pharmacy benefits, mental health coverage (Covered up to Sum Insured (sub-limit of Rs 50,000 applicable on few conditions)), and optional loyalty additions to the sum insured (20% increase up to maximum 200% of Base SI).
Health Recharge Super Top-up
A Super Top Up plan that does what you expect most super top plans to do. It covers most bases, allows you to top up your cover by 95 lakhs and it is one of the most economical options out there.
Aspire Diamond +
Niva Bupa's Aspire Diamond+ plan is designed to provide extensive health coverage with innovative features. It includes "Lock the Clock," "Booster," and "M-iracle." The plan also offers global healthcare access through "Borderless," annual health check-ups, and cashback rewards for claim-free years via "Cash-Bag." With coverage options of up to ₹1 crore, Aspire Diamond+ is ideal for individuals and families seeking financial flexibility and comprehensive protection.
Senior First Gold
Niva Bupa’s Senior First Gold plan is a specialized health insurance offering tailored exclusively for senior citizens aged 61 to 75 years. It provides coverage for pre-existing conditions after only 2 years, along with benefits like AYUSH treatments and organ donor expenses. However, coverage options range from ₹5 lakhs to ₹10 lakhs, which is quite limiting compared to standard health insurance plans.
Health Premia Gold
The Health Premia Gold plan by Niva Bupa is a premium health insurance policy tailored for individuals and families, offering sum insured options ranging from ₹10 lakhs to ₹50 lakhs. Its features include emergency international coverage, maternity benefits up to ₹1 lakh (depending on Base SI opted), and coverage for newborns from day one. The plan also provides refill benefits up to SI, loyalty additions increasing the sum insured annually, and AYUSH coverage up to SI. With no co-payment clause and room rent flexibility (except suites), it ensures seamless healthcare access both domestically and globally.
HeartBeat Gold
Niva Bupa Heartbeat Gold is a premium health insurance plan with sum insured options ranging from ₹5 lakhs to ₹50 lakhs. Key features include maternity benefits (with a short waiting period of 24 months), newborn baby coverage, restoration of the sum insured, and coverage for alternative treatments like AYUSH (up to SI). The plan also offers teleconsultations, critical illness cover, and personal accident cover as optional covers, making it suitable for diverse healthcare needs. Additionally, it includes lifetime renewability and cashless treatment at over 10,000 network hospitals.
ReAssure 2.0 Titanium+
The Niva Bupa ReAssure 2.0 Titanium+ plan is a premium health insurance offering designed for individuals and families, with sum insured options up to ₹1 crore. Its standout features include the "ReAssure Forever" benefit and the "Booster+" benefit. Additional highlights include no room rent restrictions, coverage for modern treatments like robotic surgeries up to SI, and pre- and post-hospitalization expenses (60 and 180 days). The plan also offers annual health check-ups from day one.
ReAssure 2.0 Bronze+
The Niva Bupa ReAssure 2.0 Bronze+ plan is a health insurance policy designed for individuals and families, offering sum insured options ranging from ₹5 lakhs to ₹1 crore. Its unique features include the "ReAssure Forever" benefit, which provides unlimited reinstatement of the sum insured, and the "Booster+" benefit that rolls over unused coverage to the following policy year, up to 3 times. With no room rent restrictions, pre- and post-hospitalization coverage (60 and 180 days), organ donor expenses (up to base SI), and modern treatment inclusions (covered up to sum Insured (sub-limit of INR 1 Lac per claim on a few robotic surgeries), it provides robust financial protection.
Aspire Gold +
Niva Bupa's Aspire Gold+ plan is a modern health insurance solution tailored to meet diverse healthcare needs while rewarding proactive health management. It offers comprehensive coverage for hospitalization, alternative treatments, day-care procedures, and modern treatments. The plan also includes global coverage through the "Borderless" feature, annual health check-ups, and rewards for claim-free years via the "Cash-Bag" benefit. With coverage options ranging from ₹3 lakh to ₹1 crore, Aspire Gold+ ensures flexibility and robust protection for individuals and families.
Health Pulse Classic
The Health Pulse Classic plan by Niva Bupa is a budget-friendly health insurance policy tailored for individuals and families, offering sum insured options from ₹3 lakhs to ₹10 lakhs. Key features include 100% restoration of the sum insured if exhausted, coverage for pre- and post-hospitalization expenses (30 and 60 days), and daycare treatments (up to SI). The plan provides annual health check-ups starting from the second year, AYUSH treatment coverage (up to SI), domiciliary hospitalization benefits (up to SI), and coverage for modern treatments up to SI (However, a limit of maximum INR 1 Lac will apply to all robotic surgeries, except a few).
HeartBeat Platinum
Niva Bupa Heartbeat Platinum is a premium health insurance plan tailored for individuals and families, with sum insured options ranging from ₹15 lakhs to ₹1 crore. Its standout features include global treatment for nine critical illnesses, cashless OPD consultations, and coverage for pre- and post-hospitalization expenses (60 and 90 days). The plan also provides maternity benefits with a short waiting period of 24 months, newborn baby coverage, and loyalty additions that enhance the sum insured annually. With no room rent restrictions and lifetime renewability, it ensures comprehensive protection.
Niva Bupa (Max Bupa) Health insurance claim process
Niva Bupa (Max Bupa) claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Niva Bupa (Max Bupa)'s network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Niva Bupa (Max Bupa) Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Niva Bupa (Max Bupa) website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Niva Bupa (Max Bupa) health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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