Niva Bupa Health Insurance

ReAssure Individual / Floater is Niva Bupa's flagship plan. The headline feature is unlimited reinstatement of base sum insured during a policy year — you cannot run out of cover even after multiple hospitalisations. Starting premium for a 5 lakh cover is around ₹773 per month.

Family floater plans let a single sum insured be shared across the family. Children can be added from 16 days of age, and adults are typically eligible from 18 to 65 years (some plans extend to 70). For most Indian families, a floater plan with a 10-15 lakh sum insured plus the ReAssure feature is the ideal starting point.

Health Pulse (5 lakh cover from ~₹678/month) and Aspire are mid-range health insurance plans with broad cover and additional benefits like wellness check-ups and discount features.

These plans suit buyers who want richer features than the entry-level options without the higher premium of Health Premia. Both plans include cashless settlement at the 10,000+ network hospitals.

Health Recharge is Niva Bupa's flagship top-up plan — a 10 lakh additional cover starts at around ₹81 per month. Top-ups make sense for buyers who already have a base health policy and want to increase total cover at a low marginal premium.

For example: a 5 lakh base policy + a 10 lakh Health Recharge gives 15 lakh of total cover (after deductible) at significantly lower cost than a standalone 15 lakh plan.

Niva Bupa's critical illness cover includes the Criticare plan that covers 20 illnesses including cancer, with sum insured up to ₹3 crore. Entry age is 18 to 65; dependent children can be included from 2 to 21 years.

Cashless cancer treatment is available under Niva Bupa Health Insurance. Chemotherapy and radiation therapy are both covered under the cancer plan. Alternative treatment options like AYUSH and homeopathic care are covered under select plans.

Niva Bupa offers dedicated senior citizen and parent plans. Senior First is the flagship variant, designed for higher entry ages, lower co-payments and shorter PED waiting periods compared with standard plans.

Senior citizens can reach a dedicated helpline at seniorcitizensupport@nivabupa.com or on the customer service number. Most plans cover hospitalisation, daycare procedures, ambulance and post-discharge expenses.

Health Premia is Niva Bupa's premium plan with an optional international coverage rider. It is suited for high-net-worth families who want global treatment options without travelling on a separate insurance policy.

Coverage extends across major international healthcare destinations. Premiums are higher than standard plans but the benefits-per-rupee are competitive for buyers who genuinely value the international option.