Niva Bupa

Niva Bupa, health insurer in India

Niva Bupa presents itself as a health insurance company with a presence in India. Its offering is structured around three main lines: health insurance, travel insurance and corporate insurance. The company states it has more than 2.5 crore satisfied customers and a network of more than 19,000 healthcare providers for cashless hospitalisation.

Health plans for different profiles

The health insurance catalogue is organised by type of insured: plans for individuals, families, non-resident Indians (NRIs), senior citizens and personal accident. The company describes its mediclaim policy as a comprehensive coverage option that includes hospitalisation expenses, doctor consultations, ambulance charges, outpatient department (OPD) expenses and pre- and post-hospitalisation expenses. It also mentions coverage for daycare treatments and organ donor expenses.

Travel insurance and international coverage

The insurer offers travel insurance for international trips and for studying abroad, with specific products for destinations such as Australia, the United Kingdom, the Schengen area, Thailand and Dubai. According to the website information, these plans cover trip cancellation or interruption, medical emergencies, lost or stolen baggage and personal liability. They also include coverage for adventure sports such as trekking, scuba diving or bungee jumping, as well as cashless services and 24/7 emergency assistance.

Corporate insurance

In the business sphere, Niva Bupa offers group health insurance, startup health insurance, group personal accident insurance and group OPD coverage. The company indicates that customers can manage claim and renewal processes through its service channels.

Claim management and hospital network

The company declares 30-minute cashless claim processing, a 95.6% settlement ratio and more than 37 lakh claims processed. For in-person care, it offers a network hospital finder that allows users to locate centres within its network, with more than 19,000 healthcare providers and more than 320 hospitals near the user, according to the data shown on the site.

Mobile app and digital services

Niva Bupa has a mobile app with more than 12 lakh downloads and 52,000 reviews. The app allows users to locate hospitals with cashless service, book consultations, submit and track claims, and check policy details, the premium certificate and the hospital network. It also includes unlimited free teleconsultation. The company offers 24/7 customer support through InstaAssist and a helpline.

Recognition and industry presence

The company has received distinctions such as Best Independent Health Insurer 2024 at the Mint BFSI Summit & Awards 2025, Best Health Insurance Company 2024 at the InsureNext Global Conclave & Awards 2025, and its inclusion among India's most innovative organisations in 2025 by ET Edge. It was also recognised as Swift & Prompt Insurer at the ET NOW Insurance Summit & Awards 2024 and obtained the ESG 2023 at the Golden Peacock Awards in November 2023, in addition to being listed among the best BFSI brands 2024 by Economic Times.

Resources and customer support

Niva Bupa's website includes a knowledge centre with articles on health insurance, coverage planning and aspects to consider before taking out a policy. The company also publishes notifications and a popular searches section with links to health plans, government schemes and travel insurance for different countries.