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Best Innovative Plans
Niva Bupa (formerly Max Bupa) offers the industry-first unlimited restoration benefit through ReAssure 2.0. Their Lock the Clock feature keeps your premium fixed regardless of age.
3 plans available — compare coverage, premium, and key features.
India's first plan with unlimited restoration of sum insured — if your cover is exhausted multiple times, it gets refilled every time in the same year.
Key Features
Lock the Clock feature — your premium is locked at the age you buy and never increases due to aging.
Key Features
Designed exclusively for senior citizens with no co-pay and chronic condition cover from Day 1.
Key Features
Step-by-step claim process for Niva Bupa Health Insurance.
Call 1860-500-8888 or use the Niva Bupa app within 48 hours of hospitalisation.
Network hospital submits pre-auth. Niva Bupa processes in 4–6 hours. Track live on the app.
Niva Bupa settles directly with the hospital at discharge for approved amounts.
Submit documents within 30 days via app or email. Settlement in 10 working days.
Niva Bupa's ReAssure 2.0 with unlimited restoration and Lock the Clock premium feature are industry firsts. Great for those who want maximum coverage innovation.
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ReAssure 2.0 offers unlimited restoration of sum insured — if your cover gets exhausted even multiple times in a year, it gets automatically refilled each time. No other plan in India offers this.
Lock the Clock freezes your premium at the age you buy the policy. Unlike other plans where premiums increase as you age, your premium stays the same with Aspire — a major long-term saving.
Yes — Max Bupa was rebranded to Niva Bupa in 2021 after Bupa's stake was acquired by True North. The company and products remain the same, only the brand name changed.
Niva Bupa has a claim settlement ratio of 91.6% as per the latest IRDAI Annual Report.
OPD cover is available as an add-on in ReAssure 2.0. It covers doctor consultations, diagnostic tests, and pharmacy bills up to a specified limit.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Niva Bupa Health Insurance website before purchasing.