Health Insurance
Premium Calculator
All you need to know about Health Insurance Premium Calculator
Why Choose Niva Bupa?
Trusted by over 1.5 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need

30 min
Cashless Claim Processing 1

15 Lakh+
Claims paid since inception 2

1.5 Crore+
Happy customers served till date
Key Benefits of Health Insurance Plans in India
There are several benefits one can enjoy while purchasing the best health insurance in India.
Cashless Medical Treatment:
In the sector of best health insurance in India, each insurer hospitals nationwide. So, if you find yourself admitted to any of these esteemed partnerships with a vast network of empanelled hospitals,you can bid farewell to worries about payment. Simply present your policy number, and your insurer and the hospital will shoulder all your expenses. Cashless claims reign supreme in health insurance policies, owing to their seamless process that eliminates hassles related to claim disbursement and tedious documentation.
Quick Links
Network Hospital
Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment
Family Health Insurance
Get comprehensive coverage for your entire family under a single health insurance plan.
Claim Settlement Ratio
Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
Premium Calculator
Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:

Hospital Admission:
Get admitted to a Niva Bupa network hospital.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
What is Health Insurance premium?
Health insurance policies cover hospitalisation expenses, medical bills, pre-and post-hospitalisation expenses, diagnostic expenses, OPD expenses, hospital daily allowance, etc., depending on the agreed coverage of the policy. The health insurance premium is the money you need to pay to the insurer to keep the health insurance cover active
What is Health Insurance Premium Calculator?
The premium amount in health insurance depends on various factors, like the type of plan, age of the insured person, amount of coverage, etc. A Health Insurance Premium Calculator is a tool that helps you to find out the premium amount for different combinations of policy types, sum assured, age, riders, etc.
Premiums are recurring expenditure that you need to make to stay covered under a health insurance plan. The health insurance premium calculator is embedded into the insurer’s website so that it is easier for you to know the premium amount of your health insurance cover.
How is Health Insurance Premium determined?
The health insurance premium amount is determined by insurance companies after considering various factors. The calculation method may differ from insurer to insurer, but it includes factors like pre-existing diseases, medical history, smoking habits, lifestyle, etc.
Besides, the age of the policyholder(s), the amount of sum assured chosen, the type of policy sought, add-on covers and top-ups selected also have a bearing on the premium amount. The insurance company evaluates all the aforementioned factors and assesses the risk involved. The premium amount is directly proportional to the risk involved. The insurer may even reject applications with very high risk.
How to start using Health Insurance Premium Calculator?
To get an estimate of the health insurance premium, you can use a health insurance premium calculator, an online tool with several information fields. You need to fill in the number of people you want to insure along with their respective ages. You may have to provide your area pin code, as the premium amount may vary depending on the geographical location.
You will get the option of selecting the sum assured in money value. After filling these, along with any other information if required, you can click on the Calculate Premium option. You will then get the health insurance premium amount
Significant benefits of Health Insurance Premium Calculator
The greatest advantage of a health insurance premium calculator is that it simplifies your search for the optimal health cover and premium. You can refer to a premium table or sit with an insurance company representative to determine the premium amount. But with the calculator, you can check all the permutations and combinations at the click of a button.
The health insurance premium calculator gives you an estimate based on which you can proceed to buy a particular health insurance plan. You also get to check your affordability before purchasing a specific health cover.
Additional factors affecting Health Insurance Premium
Apart from age, medical history, pre-existing diseases, amount of coverage and lifestyle habits like smoking and drinking, the following are some of the other factors that affect the health insurance premium amount.
- Policy Tenure: Longer tenure will reduce the premium amount compared to a short duration policy.
- Occupation: A policyholder with a desk job will be less of a risk for the insurance company than, say, a coal miner. Premium increases with the level of occupational hazards.
- Body Mass Index: High BMI is considered a precursor to ailments like hypertension, type 2 diabetes, heart problems, and even cancer. High BMI increases the premium amount.
- Family History: Family history of heart ailments, cancer, Alzheimer’s disease, and other hereditary diseases can also increase the premium amount.
- Riders: Premium will also increase if you opt for additional covers in your health policy.
- Co-payment: In co-payment, you split the medical bills with your insurer. This reduces the premium amount.
How to Reduce Health Insurance Premium?
Some of the ways to reduce your health insurance premium amount are
- Start Early: Those who start their health insurance policy early are charged a relatively lower premium.
- Sum Assured: Take a look at the medical expenses in your preferred hospitals and decide on a practical sum assured amount. An unrealistic sum assured would require a higher premium and may never be fully utilised.
- Co-payment: By opting for co-payment, you agree to bear a certain percentage of the medical bills. This reduces your health insurance premium amount.
- Deductibles: Deductible is the fixed amount that you pay against your medical bills. Any bill amounts over and above the deductible amount is paid by the insurance company.
- Top-up: You can keep the premium amount low by opting for a policy with a lower sum assured and buying a top-up with a much lower incremental premium.
Types of Health Insurance Plans in India
The below-mentioned features ensure that health insurance policies provide comprehensive coverage for various medical needs while considering factors like waiting periods, co-payments, and additional riders.

Individual Health Insurance Plans
An Individual Health Insurance Plan is a type of insurance policy created to provide financial coverage for medical expenses incurred by a single person.
Note: The sum assured of the policy is directly dependent on the age, health and income level of the insured individual.

Family Floater Health Insurance Plans
A Family Floater Health Insurance Plan is an extensive insurance policy designed to provide medical coverage for an entire family under a single sum insured.
Note: Keep in mind that the premium of a family floater policy is heavily dependent on the age of the oldest family member covered under the plan.

Senior Citizen Health Insurance Plans
A Senior Citizen Health Insurance Plan is a customisable or personalised medical plan to provide support and care for seniors in their golden years.
Note: Anyone above the age of 65 can opt for such a cover.
Top Reasons Why you Should get your Health Insurance from Niva Bupa?
Several reasons make Niva Bupa an ideal choice for buying a health insurance policy
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www.nivabupa.com
+91 11 41743397
1860-500-8888
3rd Floor, Capital Cyberscape, Sector 59, Gurgaon
Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: L66000DL2008PLC182918
DISCLAIMERS
*Claim Promise with Zero Deductions:
This is applicable for ReAssure, Reassure 2.0, Aspire and Rise product.
a. Buy your Niva Bupa policy for coverage of 10 Lacs or above, with Safeguard+ add on
b. Intimate Niva Claim helpline (1860-500-8888) 48 hours before hospitalization for non-emergency treatments
c. Choose any hospital from the list of recommendations given by Claim Advisor for your treatment, via cashless facility
d. Receive a claim promise with zero deduction, in accordance with policy inclusions and T&C.
e. Claims Exclusions: the promise will not apply to claims arising due to exclusions stated in the policy (e.g.- non-disclosure, fraud, standard exclusions, waiting periods etc.)
Why Choose Niva Bupa
1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
2 Since Inception refers to claim data from 2010 till December 2023.
Custom Health Insurance Plans designed for You
Popular
1Aspire: Quoted premium is inclusive of GST for Bronze+ Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.
2Reassure2.0: Quoted premium is inclusive of GST for Bronze Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.
3Rise: The premium is including taxes and digital discount for “Rise” ₹ 5 lacs base sum insured and 1 year tenure for a 25-year-old individual living in Bangalore and paying the complete premium in one-time.
4Health Premia: Quoted premium is inclusive of GST for ₹ 5 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)(1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions.
5Health Companion: *Quoted premium is inclusive of GST for Variant 2022 with ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.
Senior Citizens
1Health Companion: Quoted premium is inclusive of GST for Variant 2022 with ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.
2Reassure2.0: Quoted premium is inclusive of GST for Bronze Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.
3Senior First: Quoted premium is inclusive of GST for Gold Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 65 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.
Wellness
1Health Premia: Quoted premium is inclusive of GST for ₹ 5 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)(1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions.
2Go Active: Quoted premium is inclusive of GST for ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.
3Heartbeat: (1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions. *Quoted premium is inclusive of GST for ₹ 5 lacs (Gold Variant) Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)
Top Up / Combo
1Health Recharge: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions. *Quoted premium is inclusive of GST for ₹ 95 lacs sum insured with ₹ 5 Lacs deductible with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi
2Aspire Max (Aspire + Health Recharge): (1) The benefits and limits will vary as per the sum insured and variant opted. Aspire Max is a combination of two Products (Aspire and Health Recharge). Terms and Conditions of the respective products will apply as per the sum insured offered.*Premium shown are for Aspire (5 Lakhs Sum Insured (Titanium+ Variant) and Health Recharge with ₹ 95 Lakhs Sum insured with ₹ 5 lakhs deductible . Policy Tenure: 1 Year and location Delhi. These are inclusive of GST & in ₹.
3Max Saver(Reassure2.0 + Health Recharge): The premium is including taxes and for Base Sum Insured of ₹ 5 lacs from ReAssure 2.0 Bronze and ₹ 95 lacs from Health Recharge with a policy tenure of 1 year, for a 25-year-old individual living in Delhi.
Specific Needs
1Aspire: Quoted premium is inclusive of GST for Bronze+ Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.
2Accident Care: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.*Quoted premium is inclusive of GST for ₹ 5 lacs sum insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi.
3Criti Care: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.*Quoted premium is inclusive of GST for ₹ 5 lacs sum insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with one time payout option.
4Corona Kavach: Premium shown is for Sum Insured ₹ 50,000 for a period of 3.5 Months for an insured aged 18 Years living in Delhi. Premium including GST.(1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.
BEWARE OF SPURIOUS / FRAUD PHONE CALLS!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint.
Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa.
Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.