Niva Bupa health insurance plans

Niva Bupa Health Premia insurance

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Health Premia is a Comprehensive health insurance plan, it provides the perfect coverange for you and for your family according to your needs and lifestyle. International coverage for specified illness and medical emergencies. Health Premia ensures that you get the best in healthcare. Comprehensive coverage up to 3 crore.

Key features of Niva Bupa Health Premia Insurance

  • Room Rent: Covered upto Sum Insured
  • Co-pay: NIL co-pay for all inpatients, 20% for OPD treatment
  • Restoration (Refil) Benefit: Upto 100% of Base Sum Insured per year

Niva Bupa Health Insurance review

Niva Bupa Health Insurance
Niva Bupa Health Insurance sum insured
2 lacs − 300 lacs options available
Incurred Claims Ratio *
Niva Bupa Health Insurance tenure options
1 year
Claims Settlement Ratio **
List of network hospitals
6,900+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Niva Bupa Health Premia Insurance features

  • Unique features
  • Exclusions
  • Claims procedure
  • Cancellation procedure

Unique features of Niva Bupa Health Premia Health Insurance

  • High Coverage option
  • income tax benefit upto INR 42,744 under the section 80D.
  • Tenure Discount: If you pay 2 year policy term,you get a discount of 7.5% on the premium of second policy year.On the other hand.
  • If you choose 3 year policy term, you get an additional discount of 15% on the third year's premium.
  • 15 Day Free look period.
  • Pre and post hospitalisation expensex are covered up to the sum insured, 90 days prior and 180 days post hospitalisation.
  • Worldwide Maternity benefit cover.
  • Direct claim settlement, no third party involved.
  • Re-fill Benefit:When the same or different illness strikes in the same policy year,your base sum insured is re-filled and made available to you.
  • Cashless hospitalization across network of quality hospitals.
  • Life long renewal.

Exclusions of Niva Bupa Health Premia Health Insurance

  • Pre-existing conditions: Benefits will not be available for pre-existing conditions as per your policy plan until 24 months of continuous coverage from first policy start date.
  • 30 days initial waiting period: Treatment during the first 30 days of the plan will nt be covered,unless the treatment needed is a result of an accident.This waiting period does not apply for renewal polices.
  • Specific Waiting Periods:Few conditions like cataract,hernia,internal congenital anomaly,spinal disorder,etc. will be subject to a waiting period of 12 months.
  • The following benefits will have a waiting period of 36 months since inception of the policy and subject to continuous renewal: weight loss(bariatric) surgery| Mental disorder treatment| LASER surgery cover.
  • For HIV/AIDS cover.there will be a waiting period of 48 months since inception of the policy and subject to continuous renewal.
  • For Critical illness cover,a 90 days initial waiting period along with the pre-existing disease waiting period of 4 years and survival period exclusion of 30 days will apply for all conditions.
    (The aforementioned waiting periods shall not apply to e-consultation, health check-up, premium waiver, pharmacy and diagnostic services,personal accident cover and health coach).

Permanent exclusions

  • Ancillary Hospital Charges
  • Hazardous Activities
  • Artificial life maintenance
  • Circumcision
  • AYUSH Treatments
  • Conflict & Disaster
  • External Congenital Anomaly
  • Convalescence & Rehabilitation
  • Cosmetic or plastic Surgery
  • Dental/oral treatment
  • Eyesight & Optical Services
  • Experimental or Unproven Treatment
  • Hormone Replacement Therapy
  • Hospitalization not justified
  • Inconsistent, Irrelevant or Incidental Diagnostic procedures
  • Non-Medical Expenses
  • Obesity and Weight Control Programs
  • Reproductive medicine & other Maternity Expenses
  • Robotic Assisted Surgery, Specialized Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
  • Sexually transmitted Infections & diseases
  • Sleep disorders
  • Substance related and Addictive Disorders
  • Unlawful Activity
  • Treatment received outside India
  • Unrecognized Physician or Hospital

Claims Procedure of Niva Bupa Health Insurance

Niva Bupa claims Niva Bupa claims

Cancellation Procedure of Niva Bupa Health Insurance

Up to 15 days Full policy premium refundable
Up to one-month 1/3rd of the policy premium
Up to three months 1/2nd of the policy premium
Up to six months 3/4th of the policy premium
Exceeding six months Full policy premium

Niva Bupa Health Insurance FAQ's

What is a waiting period?

A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.

A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this mediclaim insurance policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.

A grace period refers to a period of 30 days immediately following the premium due date of the medical insurance policy. During this period you can pay the premium of your expired policy and avail continuity benefits such as waiting periods and coverage of pre-existing disease.

Hospital cash is a daily benefit which provides the insured person with a lump sum amount in case of hospitalisation. You can use the money for meeting additional expenses or for compensating the loss of income during the period of hospitalisation.


Review Health Premia health brochure to understand coverage details.

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Proposal form

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Policy wordings

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022