Niva Bupa Health Insurance

Niva Bupa Health Insurance – Niva Bupa Health Plus at Rs. 1,199

Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions

Key features and benefits

  • Sum insured of Rs. 1 lakh, premium Rs. 1,199

    Sum insured of Rs. 1 lakh, premium Rs. 1,199

    Get coverage for in-patient and domiciliary treatment up to Rs. 1 lakh.

  • Daycare treatment cover

    Daycare treatment cover

    Covers 536 daycare procedures up to the base sum insured covered.

  • Pre-and post-hospitalisation

    Pre-and post-hospitalisation

    Covers expenses incurred 30 days before and 60 days after hospitalisation

  • End-to-end online

    End-to-end online

    Complete six simple steps and get your policy online.

Eligibility criteria and documents required

You need to fulfil the following criteria to buy Niva Bupa Health Plus plan. If you meet the eligibility criteria, we will need a few details to complete your application process.

Eligibility criteria

  • Exclusively for existing Bajaj Finance customers
  • Nationality: Indian 
  • Age: 18-60 years

Documents required

No documents required to buy the plan.
You only need to provide the following details at the time of buying the plan:

  • Name
  • Address
  • Email address
  • Phone number

Step-by-step guide to buy this policy

  • Step 1

    Step 1

    Click on the ‘Buy Now’ button on this page.

  • Step 2

    Step 2

    Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.

  • Step 3

    Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    Step 4

    If your mobile number is present in our records, your pre-filled details will appear on the form. All you need to do is to check if the details are correct.

  • Step 5

    Step 5

    At this point, the payment page will open. Complete the online payment through UPI, net banking, credit/debit cards, or wallet.

  • Step 6

    Step 6

    After the payment is successful, you can download the policy receipt instantly.

    Download the policy document from ‘My Account’ after 5-7 working days from the purchase date.

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Policy details

Here’s a quick look at the policy details of Niva Bupa Health Plus:

Policy details Description
Sum insured (in Rs.) 1 lakh
Premium including GST (in Rs.) 1,199
Policy tenure One year

Disease-specific limits:


Amount (in Rs.)

Appendectomy – appendix


Hip replacement (bilateral), including cost of implants

1 lakh

Angioplasty, including the cost of implants and angiography

1 lakh

Hernioplasty/herniorrhaphy – unilateral, including cost of mesh and tacker




Haemorrhoidectomy, including the cost of stapler


Total knee replacement (unilateral) including cost of implants


Cataract per eye, including cost of lens



1 lakh



Hip replacement (unilateral), including cost of implants


Arthroscopic surgery (other than ACL/Meniscectomy)


Hernioplasty/Herniorrhaphy – bilateral, including cost of mesh and tacker


PCNL – bilateral – stone removal


Temporary pacemaker implantation, including cost of temporary pacemaker


Total knee replacement (bilateral), including cost of implants

1 lakh

Hysterectomy (abdominal/vaginal)




Valve replacement, including cost of implants

1 lakh

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Key inclusions and exclusions

Have a quick look at the inclusions and exclusions under the Niva Bupa Health Plus Insurance:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Hospital accommodation (room rent) Covered up to Rs. 2,000 per day
ICU charges Covered up to Rs. 4,000 per day
Pre-and post-hospitalisation Expenses covered up to Rs. 1 lakh
Organ transplant Coverage up to Rs. 1 lakh
Ambulance charges Emergency road ambulance covered up to Rs. 1,000 per hospitalisation
Key exclusions Description
Waiting period Initial waiting period of 30 days and 48 months for pre-existing diseases
Personal accident Does not cover personal accidents

How to claim

You can contact the insurer (Niva Bupa Health Insurance) to claim the benefits of the Niva Bupa Health Plus plan through following ways:

  • Insurer’s customer service portal

    Insurer’s customer service portal

    Share your policy document and medical reports at Insta Assist.

  • Insurer’s toll-free number

    Insurer’s toll-free number

    You can also call on the toll-free helpline number 1860-500-8888 and claim the benefits.

  • Documents required

    Documents required

    To claim the benefits of Niva Bupa Health Plus Insurance, you need to present the following documents:
    1. The policy document received at the time of purchase
    2. Medical certificates and reports received from the doctor
    3. Invoice/bills

  • Contact Bajaj Finance Ltd.

    Contact Bajaj Finance Ltd.

    In case you have any queries related to coverage, exclusions, or product policy, please write to us at

Frequently asked questions

What is the premium and sum insured for the Niva Bupa Health Plus plan?

Niva Bupa Health Plus is available at a premium of Rs. 1,199. Get coverage up to Rs. 1 lakh.

What are the benefits under the Niva Bupa Health Plus Insurance?

You get coverage for in-patient hospitalisation, daycare treatment, and COVID-19 cover. Also, get coverage for pre-and post-hospitalisation expenses for 30 days and 60 days respectively.

Is there a waiting period to claim benefits under this policy?

Yes, the policy has an initial waiting period of 30 days and 48 months for pre-existing diseases.

What is the age eligibility for this policy?

People between the age group of 18 years and 60 years can buy this policy.

What is the policy tenure for this policy?

The policy is valid for one year.

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*Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company Niva Bupa Health Insurance. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage with Health Plus with UIN No.: NBHHLGP22157V032122. Please refer insurer's website for Policy Wordings. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.