Niva Bupa is one of the Best Health Insurance Companies in India that provides affordable Health Insurance Plans for an individual and family. Visit our site to buy a suitable Health Insurance & Medical Policy Online for you and your family members.

Niva Bupa

Stay worry-free with Niva Bupa’s ₹25 Lakh Health Insurance Plan. Trusted coverage for serious medical expenses with no room rent limits and hassle-free claims.

25 lakh health insurance plans

<p style="text-align:justify;"><meta charset="utf-8">Trusted by over 2 crore+ happy customers, Niva Bupa provides a wide range of health insurance plans to suit every need</p>

<h2>Why Choose <span style="color:hsl(197,100%,48%);">Niva Bupa?</span></h2>

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<h2 style="text-align:center;">Custom <span style="color:#2196f3;"><span class="font-bold text-nivabupa-blue-ethinosPlanRecommendation" style="--tw-backdrop-blur:;--tw-backdrop-brightness:;--tw-backdrop-contrast:;--tw-backdrop-grayscale:;--tw-backdrop-hue-rotate:;--tw-backdrop-invert:;--tw-backdrop-opacity:;--tw-backdrop-saturate:;--tw-backdrop-sepia:;--tw-blur:;--tw-border-spacing-x:0;--tw-border-spacing-y:0;--tw-brightness:;--tw-contain-layout:;--tw-contain-paint:;--tw-contain-size:;--tw-contain-style:;--tw-contrast:;--tw-drop-shadow:;--tw-gradient-from-position:;--tw-gradient-to-position:;--tw-gradient-via-position:;--tw-grayscale:;--tw-hue-rotate:;--tw-invert:;--tw-numeric-figure:;--tw-numeric-fraction:;--tw-numeric-spacing:;--tw-ordinal:;--tw-pan-x:;--tw-pan-y:;--tw-pinch-zoom:;--tw-ring-color:rgb(59 130 246 / 0.5);--tw-ring-inset:;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-ring-offset-width:0px;--tw-ring-shadow:0 0 #0000;--tw-rotate:0;--tw-saturate:;--tw-scale-x:1;--tw-scale-y:1;--tw-scroll-snap-strictness:proximity;--tw-sepia:;--tw-shadow-colored:0 0 #0000;--tw-shadow:0 0 #0000;--tw-skew-x:0;--tw-skew-y:0;--tw-slashed-zero:;--tw-text-opacity:1 !important;--tw-translate-x:0;--tw-translate-y:0;border:0px solid rgb(229, 231, 235);box-sizing:border-box;font-weight:700 !important;">Health Insurance Plans</span></span> designed for You</h2>

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<p style="text-align:center;"><meta charset="utf-8"></p><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;text-align:center;" dir="ltr">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:</p>

<h2 style="text-align:center;">How does Our Claim Process work?</h2>

Cashless Claims

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<p><meta charset="utf-8">If you're exploring a ₹25 lakh health insurance plan, it's important to know how it can support your health and finances. Here are the key benefits that make it a smart and practical choice for individuals and families:</p>

<h2><meta charset="utf-8">Benefits of ₹25 Lakh Health Insurance</h2>

Reliable Financial Protection

Quality Healthcare Access

Family Floater Coverage

Tax Savings

Financial Peace of Mind

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<p><meta charset="utf-8">Yes, for many families, ₹25 lakh is adequate to cover most medical expenses, including hospitalisations, surgeries, and critical illness treatments. However, the sufficiency depends on factors such as the family's age, medical history, and lifestyle. If your family lives in a metro city or has existing health conditions, you may want to evaluate if this cover will meet long-term needs.</p>

Is ₹25 lakh health insurance sufficient for a family of four?

<p><meta charset="utf-8">Most insurers impose a waiting period of 2 to 3 years for pre-existing diseases. During this time, any treatment related to such conditions may not be covered. It's important to read the policy wording carefully and choose a plan with the shortest waiting period, if possible.</p>

What is the waiting period for pre-existing diseases in a ₹25 lakh health insurance plan?

<p><meta charset="utf-8">Yes, many insurers allow you to include parents under a family floater plan. However, since older individuals typically require more medical care, this may increase the premium or affect claim limits for other family members. In some cases, separate individual plans for senior parents may offer better value.</p>

Can I include my parents under a ₹25 lakh family floater plan?

<p><meta charset="utf-8">Some ₹25 lakh health insurance policies offer maternity and newborn coverage as an optional add-on. These usually come with a waiting period (typically 2–3 years) and specific sub-limits. Always check if this benefit is included or if it needs to be purchased separately.</p>

Are maternity and newborn expenses covered under this plan?

<p><meta charset="utf-8">To avail of cashless hospitalisation, you typically need to provide your health insurance card, a valid photo ID, and a pre-authorisation form from the hospital. The hospital will coordinate directly with the insurer for claim approval, reducing your paperwork burden.</p>

What documents are required for a cashless hospitalisation claim?

<p><meta charset="utf-8">While both plans offer comprehensive coverage, a ₹1 crore policy is better suited for high-risk individuals, those with international travel needs, or families with significant health risks. A ₹25 lakh plan, on the other hand, offers ample protection for most medical needs at a much lower premium, making it ideal for those looking for value without compromising core coverage.</p>

How does this plan differ from a ₹1 crore policy?

<h2 style="text-align:center;">Frequently Asked <span style="color:#2196f3;"><span class="text-nivabupa-blue-ethinosPlanRecommendation" style="--tw-backdrop-blur:;--tw-backdrop-brightness:;--tw-backdrop-contrast:;--tw-backdrop-grayscale:;--tw-backdrop-hue-rotate:;--tw-backdrop-invert:;--tw-backdrop-opacity:;--tw-backdrop-saturate:;--tw-backdrop-sepia:;--tw-blur:;--tw-border-spacing-x:0;--tw-border-spacing-y:0;--tw-brightness:;--tw-contain-layout:;--tw-contain-paint:;--tw-contain-size:;--tw-contain-style:;--tw-contrast:;--tw-drop-shadow:;--tw-gradient-from-position:;--tw-gradient-to-position:;--tw-gradient-via-position:;--tw-grayscale:;--tw-hue-rotate:;--tw-invert:;--tw-numeric-figure:;--tw-numeric-fraction:;--tw-numeric-spacing:;--tw-ordinal:;--tw-pan-x:;--tw-pan-y:;--tw-pinch-zoom:;--tw-ring-color:rgb(59 130 246 / 0.5);--tw-ring-inset:;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-ring-offset-width:0px;--tw-ring-shadow:0 0 #0000;--tw-rotate:0;--tw-saturate:;--tw-scale-x:1;--tw-scale-y:1;--tw-scroll-snap-strictness:proximity;--tw-sepia:;--tw-shadow-colored:0 0 #0000;--tw-shadow:0 0 #0000;--tw-skew-x:0;--tw-skew-y:0;--tw-slashed-zero:;--tw-text-opacity:1 !important;--tw-translate-x:0;--tw-translate-y:0;border:0px solid rgb(229, 231, 235);box-sizing:border-box;">Questions</span></span></h2>

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Learn the average monthly cost of health insurance in India based on age, coverage, and plan type. Compare prices to find affordable options.

How Much Does Health Insurance Cost Per Month

Individual health insurance plan covers a single person & offers financial protection during health emergencies. Benefits include hospitalization coverage, OPD coverage, etc.

What are the benefits of an individual health insurance plan? | Niva Bupa

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Niva Bupa Health Insurance Review: Its Benefits, and Coverage

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Applicable on individual health policies including family floater and senior citizen

 Insurance is a subject matter of solicitation. Niva 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 under license. CIN: L66000DL2008PLC182918

 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.

 Since Inception refers to claim data from 2010 till December 2023.

 ReAssure 3.0 Premium: Quoted premium is for 1 years tenure for Black variant with Unlimited Sum Insured for 1 Adult aged 18 years living in Kangra, Himachal Pradesh. 

 ReAssure 2.0 Premium: Quoted premium is for Titanium+ variant, INR 5 lacs sum insured with 1 years tenure, 1 Adult aged 18 years living in Guwahati, Assam.

 Health Premia Premium: Quoted premium is for for Gold variant, INR 10 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 18 years living in Delhi with Zone 2 Option

 Aspire Premium: Quoted premium is for INR 5 lacs sum insured with 1 years tenure, 1 Adult aged 18 years living in Ranchi. The Premium is exclusive  of Digital Discount.

 Senior First Premium: Quoted premium is for INR 5 lacs Sum Insured (with 50% co-payment) with a policy tenure of 1 year, 1 Adult aged 61 years living in Delhi.

 Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. 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. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, 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.

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

d. Receive a claim assurance with zero deduction, in accordance with policy inclusions and T&C

c. Choose any hospital from the list of recommendations given by Claim Advisor for your treatment, via cashless facility

e. Claims Exclusions: the guarantee will not apply to claims arising due to exclusions stated in the policy (e.g.- non-disclosure, fraud, standard exclusions, waiting periods etc.)

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25 Lakh Health Insurance Plans