Formerly Max Bupa, Niva Bupa is a joint venture with UK's Bupa Group offering comprehensive health plans with global healthcare expertise since 2008.
Niva Bupa Health Insurance (formerly Max Bupa) is a joint venture between Fettle Tone LLP (True North Fund) and Bupa Singapore Holdings Pte. Ltd — part of the UK-based Bupa Group serving 43 million customers in 190 countries. Established in 2008, Niva Bupa is among India's fastest-growing standalone health insurers.
The company offers innovative health insurance products with a focus on customer experience, wellness integration, and hassle-free claims. With 10,000+ network hospitals, Niva Bupa has earned a reputation for transparent policies with minimal exclusions and no hidden sub-limits in premium plans.
Niva Bupa's flagship comprehensive health plan with coverage up to ₹2 Crore. Features unlimited restoration, no room rent limits, worldwide emergency cover, and progressive wellness benefits for healthy lifestyle choices.
An affordable family floater plan from ₹3 Lakh to ₹1 Crore with modern health cover including mental health, AYUSH treatments, and annual health check-ups. Ideal for young families starting their health insurance journey.
A premium indemnity plan designed for high-net-worth individuals and families seeking global-grade healthcare coverage. Offers international treatment, air ambulance, organ donor expenses, and concierge health management services.
Designed for adults aged 46-75 years with coverage options from ₹5 Lakh to ₹20 Lakh. Features reduced waiting periods for pre-existing diseases (12 months in Platinum variant), no co-pay in select plans, and wellness coaching.
Backed by Bupa Group serving 43 million customers across 190 countries. International healthcare management expertise ensures world-class product design and customer service standards.
Premium plans have zero room rent sub-limits — choose any room category (single AC, deluxe, suite) without proportionate deductions. Freedom to pick comfortable recovery environment.
One of the first insurers to comprehensively cover mental health hospitalization including depression, anxiety disorders, bipolar disorder, and schizophrenia — breaking stigma through insurance innovation.
Select plans offer outpatient department coverage for doctor consultations, diagnostic tests, pharmacy bills, and dental treatments — reducing out-of-pocket healthcare expenses significantly.
Niva Bupa Health app offers step tracking, virtual consultations, health risk assessments, and rewards points redeemable against premium discounts — encouraging preventive healthcare behavior.
Digital-first claims process with 30-minute cashless approvals. Reimbursement claims settled within 7 working days. Dedicated claim support manager assigned for each hospitalization case.
Inform Niva Bupa via app, website, email claims@nivabupa.com, or call 1800-200-4488 (toll-free). For planned admission, intimate 48 hours prior.
Hospital sends cashless request. Niva Bupa approves within 30 minutes for network hospitals. Dedicated claim manager assigned for guidance throughout.
Undergo treatment cashlessly. Final bill sent to Niva Bupa for settlement. Only non-covered items or co-pay (if applicable) paid by patient.
Cashless claims settled directly with hospital. Reimbursement claims processed within 7 working days of document submission via NEFT to your account.
Yes, Max Bupa was rebranded to Niva Bupa in 2021 following a change in ownership from Max India to Fettle Tone LLP (True North Fund). Bupa Group continues as the international JV partner. All existing policies continue seamlessly under the new name.
Health Companion (₹10-15L floater) is ideal for young couples — it covers maternity (after 9-month wait), mental health, annual check-ups, and has a cumulative bonus of 10% per year. For premium coverage, ReAssure 2.0 offers unlimited restoration and worldwide cover.
Yes, pre-existing diseases are covered after a waiting period of 36-48 months in standard plans. Senior First Platinum reduces this to just 12 months. Conditions like diabetes, hypertension, and thyroid are fully covered post-waiting period.
Most Niva Bupa plans for ages 18-60 have zero co-pay. Senior plans (61+) may have 10-20% co-pay depending on the variant chosen. ReAssure 2.0 Platinum has zero co-pay across all age groups.
Yes, Senior First plan accepts entries from 46-75 years. It offers coverage from ₹5-20 Lakh with features like reduced PED waiting, wellness coaching, and no medical test requirement for Platinum variant. Lifetime renewability guaranteed.