Niva Bupa Health Insurance Company Limited
GoActive
New-age active health insurance with OPD coverage + health coaching + I-Protect SI escalator + AdvantAGE renewal discount. Targeted at younger active buyers (<35).
UIN MAXHLIP21173V022021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹25 lakh
Claim settlement (CSR)
98.5%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
90 / 180 days
Network hospitals
10,000+
Free look
30 days
What this plan does well
- OPD CONSULTATIONS BUILT INTO BASE (10/yr for 2A+ at higher SI) — DEALBREAKER ADVANTAGE
- Pre/Post 90/180 — INDUSTRY LEADING
- AdvantAGE — 10% discount FOREVER if buyer enters ≤35 yrs
- Health Coach — up to 20% renewal discount based on health score (gamification)
- I-Protect — SI grows 10% per year, no max limit (CB-equivalent)
- Behavioral Assistance Program — 3 mental health consults/yr
- Second Medical Opinion
- COVID-19 covered
Watch out for
- 4L tier has Room Rent capped at 1% of SI (lower-segment cap)
- 4L tier: ICU cap 2% of SI
- 4L tier: NO Diagnostic Tests benefit
- Maternity NOT covered in base
- 1-year policy term only (no 2/3 yr option)
- OPD limits tier-based — lower SI tiers get fewer consults
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.