Health Insurance That Keeps Your Family Covered
Cashless hospitalisation and comprehensive care from Niva Bupa
Multi-Insurer Comparison
Trusted Advisory Team
Free Claim Assistance
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.
Quick Summary
Niva Bupa
Provider
Health Insurance
Insurance Type
Eligibility
91 days – 65 years at entry, with lifelong renewability once enrolled
Consultation
Available Today
Claim Assistance
Dedicated Support
EXPLORE OUR RANGE
Health Insurance, Organised by What You Need
Switch between categories to see the Niva Bupa plans Prime Care Associates recommends most for each goal.
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
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
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
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.
Plan | Coverage | Individual | Family | Cashless Hospitals | Room Rent | Day Care | Pre/Post Hospitalisation | Restore Benefit | No Claim Bonus | Tax Benefit | Best For |
|---|---|---|---|---|---|---|---|---|---|---|---|
ReAssure 2.0 | ₹5L – ₹1Cr | Yes | No | 10,000+ | No sub-limit | 550+ procedures | Covered | Unlimited | Up to 100% | 80D | Uncapped protection |
Aspire | ₹3L – ₹50L | Yes | No | 9,000+ | Single private room | 150+ procedures | Covered | 100% (1x/yr) | Up to 50% | 80D | First-time buyers |
ReAssure Family Floater | ₹5L – ₹1Cr | No | Yes | 10,000+ | No sub-limit | 550+ procedures | Covered | Unlimited | Up to 100% | 80D | Families, shared cover |
Senior First | ₹3L – ₹25L | Yes | No | 8,000+ | Up to 2% per day | 150+ procedures | Covered | 100% (1x/yr) | Up to 30% | Higher 80D limit | Senior citizens |
Health Recharge (Top-Up) | ₹5L – ₹1Cr | Yes | No | 8,000+ | No sub-limit above deductible | 150+ procedures | Covered | 100% (1x/yr) | Not applicable | 80D | Boosting existing cover |
*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.
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.
01.
Choose Network Hospital
Pick any hospital from Niva Bupa's cashless network, or ask your Prime Care advisor to help you find one nearby.
02.
Show Health Card
Present your Niva Bupa health card and ID at the hospital's insurance desk on admission.
03.
Hospital Verification
The hospital verifies your policy details and sends a pre-authorisation request to Niva Bupa.
04.
Treatment
Receive treatment at the network hospital without worrying about upfront payment for covered expenses.
05.
Cashless Settlement
Niva Bupa settles the eligible bill directly with the hospital as per your policy terms.
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.
01.
Inform Insurer
Notify Prime Care Associates or Niva Bupa's helpline before planned treatment, or within 24 hours for emergencies.
02.
Submit Documents
Share the claim form along with hospital bills, discharge summary and the required documents.
03.
Verification
Niva Bupa verifies your policy, documents and the cause of the claim.
04.
Approval
Once verified, the claim is approved as per your policy terms and sum insured.
05.
Claim Settlement
The approved amount is settled directly with the hospital or reimbursed to your account.
FAQS
Frequently Asked Questions
Answers to the questions we hear most often from families exploring health insurance.
01.
What does cashless hospitalisation actually mean?
02.
Will pre-existing conditions be covered?
03.
What is the No Claim Bonus?
04.
What is the Restore Benefit?
05.
What is the difference between an individual plan and a family floater?
06.
How much health cover do I actually need?
07.
Are day care procedures fully covered?
08.
Is there a room rent limit on my plan?
09.
Can senior citizens buy a new health policy?
10.
What is a top-up plan and do I need one?
11.
What isn't covered by health insurance?
12.
How do I make a cashless claim versus a reimbursement claim?
13.
Are annual health check-ups included?
14.
What tax benefits do I get on health insurance premiums?
15.
What happens if I don't renew my policy on time?
GETTING STARTED
Health Insurance Buying Guide
Everything you need to know before choosing a health insurance policy.
01
How Much Coverage Do I Need?
Coverage should scale with your city, family size and rising medical costs, not just today's budget.
02
Individual vs Family Floater
A floater shares one sum insured across the family; individual plans give each member dedicated cover.
03
Waiting Period Explained
New policies have an initial waiting period, and pre-existing conditions have a longer one — know both upfront.
04
Cashless vs Reimbursement
Cashless settles your bill directly with the hospital; reimbursement means you pay first and claim later.
05
How to Choose the Right Policy
We compare Niva Bupa plans against your city, family and budget to recommend the right fit.
06
How to Renew Your Policy
Renew on time to keep your No Claim Bonus and continuous coverage for pre-existing conditions.
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.
EXPLORE OUR RANGE
Life Insurance, Organised by What You Need
Switch between categories to see the Tata AIA plans Prime Care Associates recommends most for each goal.
Tata AIA
Sampoorna Raksha Promise
A comprehensive term plan with flexible payout options and built-in Critical Illness cover.
High cover at affordable premiums
Choice of lump sum, income, or a combination payout
Critical Illness benefit built in
Entry Age
18 – 65 years
Policy Term
10 – 40 years, or up to age 99
Premium Payment
Monthly, yearly or limited pay
Life Cover
₹50 lakh and above
Tax Benefit
80C / 10(10D)*
Claim Support
Dedicated Prime Care claim desk
Premium depends on age, cover amount and policy term.
Best for:
Those wanting maximum protection at the lowest cost
Tata AIA
Maha Raksha Supreme Select
A premium term plan built for higher sum assured with special pricing for healthy lifestyles.
Preferential rates for non-smokers and healthy habits
Special premium rates for higher sum assured
Optional whole life cover to age 99
Entry Age
18 – 65 years
Policy Term
10 – 40 years, or Whole Life to age 99
Premium Payment
Monthly, yearly or single pay
Life Cover
₹1 crore and above
Tax Benefit
80C / 10(10D)*
Claim Support
Dedicated Prime Care claim desk
Premium depends on age, cover amount and policy term.
Best for:
High sum assured seekers with a healthy lifestyle
Tata AIA
Smart Sampoorna Raksha
A flexible term plan that lets you increase cover at key life stages without fresh medical tests.
Increase cover at marriage, childbirth or home loan
Multiple rider options for complete protection
Return of Premium option available
Entry Age
18 – 65 years
Policy Term
10 – 40 years
Premium Payment
Monthly, yearly or limited pay
Life Cover
₹50 lakh and above
Tax Benefit
80C / 10(10D)*
Claim Support
Dedicated Prime Care claim desk
Premium depends on age, cover amount and policy term.
Best for:
Young families expecting cover needs to grow
COMPARE PLANS
See How Our Flagship Plans Compare
A side-by-side look at one flagship plan from each category — your advisor can compare any other plan on request.
Plan | Coverage | Individual | Family | Cashless Hospitals | Room Rent | Day Care | Pre/Post Hospitalisation | Restore Benefit | No Claim Bonus | Tax Benefit | Best For |
|---|---|---|---|---|---|---|---|---|---|---|---|
ReAssure 2.0 | ₹5L – ₹1Cr | Yes | No | 10,000+ | No sub-limit | 550+ procedures | Covered | Unlimited | Up to 100% | 80D | Uncapped protection |
Aspire | ₹3L – ₹50L | Yes | No | 9,000+ | Single private room | 150+ procedures | Covered | 100% (1x/yr) | Up to 50% | 80D | First-time buyers |
ReAssure Family Floater | ₹5L – ₹1Cr | No | Yes | 10,000+ | No sub-limit | 550+ procedures | Covered | Unlimited | Up to 100% | 80D | Families, shared cover |
Senior First | ₹3L – ₹25L | Yes | No | 8,000+ | Up to 2% per day | 150+ procedures | Covered | 100% (1x/yr) | Up to 30% | Higher 80D limit | Senior citizens |
Health Recharge (Top-Up) | ₹5L – ₹1Cr | Yes | No | 8,000+ | No sub-limit above deductible | 150+ procedures | Covered | 100% (1x/yr) | Not applicable | 80D | Boosting existing cover |
*Tax benefits are subject to conditions under prevailing Income Tax laws and may change.
WHY PRIME CARE ASSOCIATES
Why Choose Prime Care Associates
Buying life insurance is a long-term relationship, not a one-time transaction. Here is what that relationship looks like.
Personal Advisor
A dedicated Prime Care advisor gets to know your goals before recommending a single plan.
Free Consultation
Sit down with us at no cost to understand your options in plain language, with no pressure to buy.
Claim Assistance
Our team stays with your family through paperwork and follow-ups when a claim is filed.
Policy Comparison
We compare Tata AIA plans side by side so you can see exactly what each one covers and costs.
Annual Review
We check in every year to make sure your cover still matches your income, family and goals.
Lifetime Support
From your first policy to every renewal after, Prime Care Associates stays your point of contact.
THE BIGGER PICTURE
Benefits of Life Insurance
A well-chosen policy does far more than pay out on death — here’s everything it can do for your family while you’re here too.
Income Protection
Replaces your income so your family can maintain their lifestyle if you're no longer there to earn.
Family Security
Gives your spouse and children a guaranteed financial cushion, whatever tomorrow brings.
Loan Protection
Ensures your home loan or other debts don't become a burden your family has to repay alone.
Tax Savings
Premiums and payouts can qualify for tax benefits under prevailing Income Tax laws.
Retirement Planning
Retirement-linked plans convert today's savings into a guaranteed income for later in life.
Wealth Creation
Wealth and savings-linked plans grow your money alongside the life cover you already need.
Legacy Planning
Pass on a tax-efficient lump sum to the next generation, on your terms.
Peace of Mind
One less thing to worry about — your family's future is protected no matter what happens.
IS THIS FOR YOU?
Who Should Buy Life Insurance
Almost everyone with someone depending on them can benefit — here’s how the need shows up at each life stage.
Young Professionals
Lock in low premiums early and build a protection habit before responsibilities grow.
Parents
Secure your children's education, milestones and daily needs no matter what happens to you.
Business Owners
Protect your business partners and family from the financial impact of losing a key person.
Self Employed
Build the income protection a salaried employer's group cover would otherwise provide.
Salaried Employees
Top up limited employer-provided cover with a plan that stays with you between jobs.
Senior Citizens
Plan your legacy and cover final expenses so your family isn't left with the burden.
GETTING STARTED
How to Choose the Right Plan
From first conversation to policy in hand, here’s what working with Prime Care Associates looks like.
01
Understand Your Goals
Tell us who depends on you financially and what you want your cover to achieve.
02
Choose Coverage
Decide on the sum assured and policy term based on your income, debts and family goals.
03
Compare Plans
We shortlist and compare the Tata AIA plans that best match your budget and needs.
04
Medical Verification
Complete a simple health check or a few questions, depending on the plan and cover amount.
05
Policy Issued
Once approved, your policy is issued and your family's protection begins.
WHEN YOU NEED US MOST
Our Claim Settlement Process
A claim is the moment insurance matters most — here is how Prime Care Associates supports your family through it.
01.
Notify Claim
Call or message your Prime Care advisor, or reach our claims desk directly, as soon as a claim arises.
02.
Submit Documents
Share the claim form with the policy and supporting documents — our team helps you compile the checklist.
03.
Verification
Tata AIA reviews the documents and may request any additional information needed to process the claim.
04.
Settlement
Once verified, the approved claim amount is settled directly to the nominee's bank account.
FAQS
Frequently Asked Questions
Answers to the questions we hear most often from families exploring life insurance.
01.
What is life insurance and how does it work?
02.
How much life cover do I actually need?
03.
What's the difference between term insurance and savings-linked plans?
04.
Can I buy life insurance without a medical test?
05.
What happens if I miss a premium payment?
06.
Are life insurance premiums tax deductible?
07.
Can I increase my cover later?
08.
What is a rider and do I need one?
09.
What documents are needed to buy a policy?
10.
How long does claim settlement usually take?
11.
Can I nominate more than one person?
12.
What if I already have a pre-existing health condition?
13.
Is Whole Life cover available?
14.
Can NRIs buy life insurance from Prime Care Associates?
15.
How do I get started?
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.
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
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
Key Benefits
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.
Coverage Includes
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
Features
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
Who Should Buy
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
Eligibility
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
Premium Payment Options
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
Claim Process
01
Notify Us
Inform Prime Care Associates or Niva Bupa’s helpline before planned treatment, or within 24 hours for emergencies.
02
Hospital Verification
For cashless treatment, the network hospital verifies your policy and pre-authorises the claim.
03
Treatment
Receive treatment at the network hospital with the bill settled directly, subject to policy terms.
04
Document Submission
For reimbursement claims, submit original bills and medical records after discharge.
05
Claim Settlement
Niva Bupa reviews and settles the claim as per your policy terms and sub-limits.
Required Documents
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
Tax Benefits
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
Optional Riders
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.
Waiting Period
30-day initial waiting period for illness; 2 to 4 years for specified pre-existing conditions, as per policy terms
Exclusions
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
Why Choose Prime Care Associates
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
FAQ
Frequently Asked Questions
Answers to common questions about this plan, curated by Prime Care Associates.
What does cashless hospitalisation actually mean?
Will pre-existing conditions be covered?
What is the No Claim Bonus?
Can I cover my parents under the same policy?
What happens if my sum insured runs out mid-year?
What Affects Your Premium
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
Health Insurance
Insurance Type
Niva Bupa
Provider
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.
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
Health Insurance
Cover Type
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. This page is for general information only and does not constitute medical or financial advice.