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Niva Bupa · Advised by Prime Care Associates

Health Insurance That Keeps Your Family Covered

Cashless hospitalisation and comprehensive care from Niva Bupa

A Prime Care Associates health plan means one less thing to worry about when a medical emergency hits. We help you choose the right Niva Bupa plan for cashless treatment, family floater cover, and long-term protection against rising healthcare costs.

  • Multi-Insurer Comparison
  • Trusted Advisory Team
  • Free Claim Assistance
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Niva Bupa Health Insurance
Provider
Niva Bupa
Insurance Type
Health Insurance
Eligibility
91 days – 65 years at entry, with lifelong renewability once enrolled
Consultation
Available Today
Claim Assistance
Dedicated Support

Overview

Why Health Insurance Matters

A single hospital stay can undo years of savings. Health insurance removes that risk by covering hospitalisation, treatment, and recovery costs, so a medical emergency stays a health event and does not become a financial one.

What Prime Care Associates Offers

Through Niva Bupa, we help you choose from individual, family floater, and senior citizen health plans with cashless treatment across a wide hospital network. We look at your family size, existing conditions, and city of residence to recommend the plan that offers real value, not just the lowest premium.

Every plan we recommend is compared on the details that matter at claim time — network hospitals, waiting periods, and sub-limits — so there are no surprises when you need your cover the most.

Our Insurance Partner

Niva Bupa Health Insurance

Key Highlights

  • Cashless hospitalisation across a wide network of hospitals
  • Family floater cover for spouse, children, and parents
  • No Claim Bonus that grows your cover year on year
  • Restore benefit reinstates sum insured after a claim
  • Coverage for day care procedures that need no overnight stay
  • AYUSH treatment covered alongside modern medicine

Explore our range

Health Insurance, Organised by What You Need

These are the Niva Bupa plans Prime Care Associates recommends most for each goal. Below are our individual health plans; the comparison table includes the family, senior and top-up options.

  • Individual Health Insurance
  • Family Floater
  • Senior Citizen
  • Critical Illness
  • Top-Up Plans

Niva Bupa

ReAssure 2.0

Comprehensive individual cover with unlimited restore benefit and no room rent capping.

  • Unlimited automatic restore of sum insured
  • No capping on room rent category
  • Covers 550+ day care procedures

Waiting Period
30 days for illness; 3 years for pre-existing conditions
Room Rent
No sub-limit — any room category covered
Cashless Network
10,000+ hospitals across India
Day Care
550+ day care procedures covered
Tax Benefit
Under Section 80D
Claim Assistance
Dedicated Prime Care claim desk
Restore Benefit
Unlimited restoration of sum insured, any number of times
No Claim Bonus
Up to 100% bonus over 2 claim-free years

Premium depends on age, city, family members, medical history and coverage amount.

Ideal for: Individuals wanting maximum, uncapped protection

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Niva Bupa

Aspire

A value-focused individual plan with strong hospital cash and wellness benefits.

  • Daily hospital cash allowance included
  • Free annual health check-up
  • Covers modern treatments and AYUSH therapies

Waiting Period
30 days for illness; 2 years for specified conditions
Room Rent
Single private room covered
Cashless Network
9,000+ network hospitals
Day Care
150+ day care procedures covered
Tax Benefit
Under Section 80D
Claim Assistance
Dedicated Prime Care claim desk
Restore Benefit
100% sum insured restored once per year
No Claim Bonus
Up to 50% bonus for claim-free years

Premium depends on age, city, family members, medical history and coverage amount.

Ideal for: First-time buyers wanting balanced, affordable cover

Book Consultation

Niva Bupa

Health Companion

An entry-level individual plan focused on essential hospitalisation cover.

  • Covers pre and post-hospitalisation expenses
  • Ambulance charges included
  • Organ donor expenses covered

Waiting Period
30 days for illness; 4 years for pre-existing conditions
Room Rent
Up to 1% of sum insured per day
Cashless Network
8,000+ network hospitals
Day Care
140+ day care procedures covered
Tax Benefit
Under Section 80D
Claim Assistance
Dedicated Prime Care claim desk
Restore Benefit
50% sum insured restored on exhaustion
No Claim Bonus
Up to 20% bonus per claim-free year

Premium depends on age, city, family members, medical history and coverage amount.

Ideal for: Individuals seeking essential, budget-friendly cover

Book Consultation

Compare plans

See How Our Health Plans Compare

A side-by-side look at how our Niva Bupa health plans compare on coverage, cashless network and benefits.

ReAssure 2.0

Best For: Uncapped protection

Coverage₹5L – ₹1Cr
Cashless Hospitals10,000+
Day Care550+ procedures
Individual
Yes
Family
No
Room Rent
No sub-limit
Pre/Post Hospitalisation
Covered
Restore Benefit
Unlimited
No Claim Bonus
Up to 100%
Tax Benefit
80D

Aspire

Best For: First-time buyers

Coverage₹3L – ₹50L
Cashless Hospitals9,000+
Day Care150+ procedures
Individual
Yes
Family
No
Room Rent
Single private room
Pre/Post Hospitalisation
Covered
Restore Benefit
100% (1x/yr)
No Claim Bonus
Up to 50%
Tax Benefit
80D

ReAssure Family Floater

Best For: Families, shared cover

Coverage₹5L – ₹1Cr
Cashless Hospitals10,000+
Day Care550+ procedures
Individual
No
Family
Yes
Room Rent
No sub-limit
Pre/Post Hospitalisation
Covered
Restore Benefit
Unlimited
No Claim Bonus
Up to 100%
Tax Benefit
80D

Senior First

Best For: Senior citizens

Coverage₹3L – ₹25L
Cashless Hospitals8,000+
Day Care150+ procedures
Individual
Yes
Family
No
Room Rent
Up to 2% per day
Pre/Post Hospitalisation
Covered
Restore Benefit
100% (1x/yr)
No Claim Bonus
Up to 30%
Tax Benefit
Higher 80D limit

Health Recharge (Top-Up)

Best For: Boosting existing cover

Coverage₹5L – ₹1Cr
Cashless Hospitals8,000+
Day Care150+ procedures
Individual
Yes
Family
No
Room Rent
No sub-limit above deductible
Pre/Post Hospitalisation
Covered
Restore Benefit
100% (1x/yr)
No Claim Bonus
Not applicable
Tax Benefit
80D

*Tax benefits are subject to conditions under prevailing Income Tax laws and may change.

Why Prime Care Associates

Why Choose Prime Care Associates

Buying health insurance is about being there when it matters most — here is what that relationship looks like.

Free Health Insurance Consultation

Sit down with us at no cost to understand your options in plain language, with no pressure to buy.

Compare Multiple Plans

We compare Niva Bupa plans side by side against your family's actual medical needs and budget.

Lifetime Renewal Support

We stay with you at every renewal, so your cover never lapses and keeps pace with medical inflation.

Cashless Claim Assistance

Support at claim time so paperwork and hospital formalities never delay your treatment.

Policy Renewal Reminder

We proactively remind you before your policy is due, so you never miss a renewal deadline.

Dedicated Advisor

A single point of contact who knows your policy and family's history, every time you need us.

  • We map Niva Bupa’s hospital network to the hospitals you actually use
  • Guidance on sum insured that keeps pace with medical inflation
  • Claim assistance so treatment is never delayed by paperwork
  • Ongoing policy review at every renewal, at no extra cost

Trust & Recognition · What sets Prime Care Associates apart

  • IRDAI Registered Advisory
  • Multi-Insurer Comparison
  • Committed to Service Excellence
  • Dedicated Advisory Team

The bigger picture

Benefits of Health Insurance

A well-chosen health policy protects your finances and your family’s wellbeing, in more ways than you’d expect.

Hospitalization Cover

Covers room rent, ICU charges, nursing, and other in-patient hospitalisation expenses.

Day Care Treatment

Covers procedures that don't require 24-hour hospitalisation, from cataract surgery to chemotherapy.

Pre Hospitalization

Covers consultations, tests and medicines in the days leading up to your admission.

Post Hospitalization

Covers follow-up consultations, medicines and tests after you're discharged.

Cashless Treatment

Settle your bill directly with the hospital at network locations, with no upfront payment.

Annual Health Check-up

A complimentary preventive health check-up each year, so issues are caught early.

Tax Benefits

Premiums qualify for deduction under Section 80D of the Income Tax Act.

Financial Protection

Shields your savings from being wiped out by a single unplanned hospital bill.

Peace of Mind

One less thing to worry about when a medical emergency hits you or your family.

Is this for you?

Who Should Buy Health Insurance

Health insurance isn’t just for one life stage — here’s who benefits most from the right cover.

Young Professionals

Lock in low premiums early and build the habit of protection before health conditions develop.

Families

One floater plan that covers your spouse, children and parents under a single shared sum insured.

Parents

Give your children and dependent parents dedicated cover so a medical emergency never derails your plans.

Senior Citizens

Purpose-built plans with simplified underwriting for age-related conditions and higher medical needs.

Self Employed

Protect your income and savings with cover that doesn't depend on an employer-provided policy.

Business Owners

Keep your business finances separate from medical emergencies with dedicated personal health cover.

Individuals with Existing Medical Conditions

Plans that cover pre-existing conditions after a defined waiting period, so you're not left uninsured.

What’s included

Coverage Overview

A clear look at what your health insurance policy pays for, from routine care to major treatment.

Hospitalization Expenses

Room, nursing and general treatment costs during your hospital stay.

ICU Charges

Intensive care unit charges when critical care is required.

Room Rent

Eligible room rent as per your plan's room category or capping.

Surgery

Surgeon, anaesthetist and operation theatre charges for covered procedures.

Doctor Consultation

In-patient consultation fees for treating and visiting doctors.

Medicines

Medicines and consumables prescribed during hospitalisation.

Ambulance

Emergency ambulance charges to reach a network hospital.

Day Care

Procedures that don't need a 24-hour stay, like dialysis or cataract surgery.

Organ Donor Cover

Medical expenses for an organ donor during the transplant procedure.

AYUSH Treatment

Inpatient treatment under Ayurveda, Yoga, Unani, Siddha and Homeopathy.

Health Checkups

A complimentary annual health check-up to catch issues early.

When you need us most

Our Cashless Hospital Process

From choosing a network hospital to cashless settlement — here is how it works.

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When you need us most

Our Claim Process

A claim is the moment insurance matters most — here is how we support your family through it.

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Claim process

Claim Steps, Cashless or Reimbursement

The required documents are listed under Policy details below.

Getting started

Health Insurance Buying Guide

Everything you need to know before choosing a health insurance policy.

Book Free Consultation

The details

Policy details at a glance

Benefits, coverage, eligibility, documents, tax and exclusions as listed for Niva Bupa. Always read the policy wording and brochure before you buy.

  • Cashless Hospitalisation — settle your bill directly with the hospital at network locations, with no upfront payment.
  • No Claim Bonus — your sum insured increases every year you do not make a claim.
  • Restore Benefit — your full sum insured is automatically reinstated once exhausted in a policy year.
  • Family Floater Cover — one sum insured shared across your entire family for efficient protection.
  • Free Health Checkups — annual preventive checkups included to catch health issues early.
  • Critical Illness Protection — dedicated cover available for major illnesses like cancer and heart conditions.

  • In-patient hospitalisation expenses, including room rent and ICU charges
  • Pre-hospitalisation expenses for a defined number of days before admission
  • Post-hospitalisation expenses for follow-up care after discharge
  • Day care procedures that do not require 24-hour hospitalisation
  • AYUSH treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy
  • Annual health check-ups for policyholders
  • Ambulance charges for emergency transportation
  • Organ donor expenses in eligible transplant cases

  • Sum insured options from ₹3 lakh to ₹1 crore and above
  • Individual and family floater plan structures
  • Lifelong renewability with no upper age exit
  • Sub-limit-free plan variants for higher-value treatments
  • Add-on covers for maternity and new-born care
  • Wellness benefits including discounts on health and fitness programs

  • Young families who want to protect against unplanned medical expenses
  • Parents looking for a single floater plan for the whole household
  • Senior citizens who need dedicated cover for age-related conditions
  • Individuals without employer health cover, or wanting cover beyond it
  • Anyone who wants protection against the rising cost of quality healthcare

  • Individuals from 91 days to 65 years of age can enrol as a new customer
  • Family floater plans can include spouse, dependent children, and parents
  • Pre-policy medical check-up may be required above a certain age or sum insured
  • Lifelong renewability once the policy is issued, regardless of age

  • Annual, half-yearly, or long-term multi-year premium payments
  • Discounts available on 2-year and 3-year policy terms
  • Digital payment and auto-renewal through Prime Care Associates
  • Family floater premium calculated on the age of the eldest member

  • Duly filled claim form
  • Original hospital bills and discharge summary
  • Doctor’s prescription and diagnostic reports
  • Policy copy and previous premium payment receipt
  • KYC documents — identity and address proof
  • Cancelled cheque or bank details for reimbursement claims

Save More With Tax-Efficient Cover

  • Premiums qualify for deduction under Section 80D of the Income Tax Act
  • Additional deduction available for premiums paid for senior citizen parents
  • Preventive health check-up expenses are eligible within the 80D limit
  • Deduction limits vary by age of the insured — please check current tax law

  • Critical Illness Add-on — lump sum payout on diagnosis of listed critical illnesses.
  • Personal Accident Cover — additional protection against accidental injury or death.
  • Maternity Add-on — cover for delivery and new-born expenses.
  • OPD Add-on — cover for outpatient consultations, diagnostics, and pharmacy.

  • 30-day initial waiting period for illness; 2 to 4 years for specified pre-existing conditions, as per policy terms

  • Treatment for pre-existing conditions during the applicable waiting period
  • Cosmetic or aesthetic treatment not medically necessary
  • Self-inflicted injury or treatment for substance abuse
  • Expenses not related to hospitalisation, unless covered under a specific benefit

What affects your premium

Premium Calculator

Your indicative health insurance premium depends on the age of family members covered, the sum insured you choose, your city of residence, and any pre-existing conditions declared. Family floater premiums are generally calculated based on the eldest member’s age.

Instead of a generic estimate, our advisors calculate your premium using Niva Bupa’s actual underwriting inputs, factoring in your hospital preferences and health history, so the number you see is one you can act on.

Get Personalized Premium Quote

Your indicative premium is shaped by a few key factors

Age Criteria
91 days – 65 years at entry, with lifelong renewability once enrolled
Policy Term
1 year, 2 year, or 3 year renewable terms, with multi-year discounts available
Insurance Type
Health Insurance
Provider
Niva Bupa

FAQ

Frequently Asked Questions

Answers to common questions about this plan, curated by Prime Care Associates.

At a network hospital, Niva Bupa settles your eligible medical bills directly with the hospital, so you do not need to pay large sums upfront and then claim reimbursement.

Pre-existing conditions are covered after a waiting period specified in your policy, typically ranging from 2 to 4 years, depending on the condition and plan chosen.

For every claim-free year, your sum insured increases at renewal at no extra premium cost, up to a maximum specified in your policy — rewarding you for staying healthy.

Family floater plans can include your spouse, dependent children, and parents, though very different age groups are sometimes better served by separate plans — your advisor can guide you.

Plans with a Restore Benefit automatically reinstate your sum insured once it is exhausted, so a major claim earlier in the year does not leave your family uncovered later.

Protect Your Health Today

Compare Niva Bupa Health Insurance plans with expert guidance from Prime Care Associates and choose the coverage that best fits your family.

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Health insurance is subject to underwriting, terms, and conditions of Niva Bupa Health Insurance Company Limited. Prime Care Associates is an insurance intermediary and does not underwrite risk. Coverage, waiting periods, and sub-limits vary by plan. Tax benefits are subject to change as per prevailing income tax law. Please read the policy wordings and sales brochure carefully before concluding a purchase.

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