Niva Bupa Health Insurance Plans: A Comprehensive List

Niva Bupa (formerly Max Bupa) offers a variety of health insurance plans designed to meet different needs, from comprehensive family coverage to specialized plans for seniors and specific illnesses.

1. ReAssure 2.0

A comprehensive plan with unlimited reinstatement of the sum insured, meaning the full amount is restored after a claim. It also includes the "Lock the Clock" feature, which freezes your premium at your entry age until you make a claim.

• Key Features: Unlimited reinstatement of sum insured, premium locked at entry age, annual health check-ups from day one, and the "Booster+" benefit which allows unused sum insured to be carried forward.

2. Aspire

Designed for young professionals and families, this plan offers a balance of affordability and comprehensive benefits, including maternity coverage. It rewards healthy habits through a "Cash-Bag" feature.

• Key Features: Global coverage, maternity benefits (including IVF and surrogacy), "Cash-Bag" rewards for claim-free years, and the "Lock the Clock" and "Booster+" benefits.

3. Health Premia

A flexible plan that provides extensive coverage, including international coverage for emergencies and a loyalty additions feature.

• Key Features: Loyalty additions (10% increase in sum insured per year), inbuilt travel insurance, and coverage for a wide range of new-age treatments and illnesses.

4. Health Companion

This plan is a broad, all-encompassing policy for individuals and families. It is known for its cashless facility and direct claim settlement process.

• Key Features: No room rent capping, coverage for all daycare treatments, and a "Refill Benefit" that restores the sum insured after it is exhausted.

5. GoActive

A plan that not only covers hospitalization but also focuses on wellness and outpatient department (OPD) expenses. It offers benefits for maintaining a healthy lifestyle.

• Key Features: OPD consultations, coverage for diagnostics and pharmacy, and an "Early Age Advantage" that provides a discount on premiums for those who start early.

6. Senior First (Platinum)

Specifically designed for senior citizens, this plan addresses the common health concerns of the elderly. It includes coverage for non-medical expenses and has an unlimited refill benefit.

• Key Features: No sub-limits for common ailments like cataracts, coverage for non-medical consumables, and an unlimited refill benefit that activates from the first claim.

7. Health Plus

A basic, cost-effective health insurance plan that provides essential coverage for inpatient hospitalization and other basic medical expenses.

• Key Features: Covers pre- and post-hospitalization expenses, domiciliary treatment, and 536 daycare procedures.