Niva Bupa Health Insurance Company Limited
Health Premia (Silver / Gold / Platinum)
Niva Bupa's premium-segment plan with international cover, mental health, premium waiver, loyalty bonus
UIN MAXHLIP21176V022021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹3 cr
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.
60 / 180 days
Network hospitals
10,000+
Free look
30 days
What this plan does well
- PREMIUM SEGMENT — 5L to 3Cr cover bands across Silver/Gold/Platinum
- Re-fill Benefit 100% of Base SI per Policy Year
- Loyalty Additions 10%/yr (CB-equivalent) max 100% (Enhanced option 200%)
- Premium Waiver built-in — 1-yr policy continuation if policyholder dies/diagnosed with CI
- International Coverage on Platinum — cashless outside India
- Maternity outside India on Platinum
- Pre/Post 60/180 days (industry leading)
- HIV/AIDS covered ₹50K (most plans exclude)
Watch out for
- Maternity NOT available under Individual Policy
- Re-fill Benefit NOT available under Family First or Individual Policy
- Premium Waiver NOT available under Individual Policy
- Co-pay choice IMMUTABLE once chosen
- Higher room category triggers 10% co-pay (Niva Bupa default trade-off)
- Mental Health sub-limited to 9 specific conditions
- HIV/AIDS only ₹50K sub-limit with 48-month waiting
- Premium high (premium segment)
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.