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The Niva Bupa Health Plus plan provides coverage for in-patient treatment, doctor's fees, diagnostic tests, medicines and other medical expenses. With the Health Plus plan by Bajaj Finance, you can be sure your savings will not get buried under unforeseen medical expenses.

Plan Details for Niva Bupa Health Plus

Total Premium including GST (in Rs.) Sum Insured (in Rs.)
1,199 1 lakh

Eligibility: 18-60 years
Plan validity: The plan is valid for a tenor of one year.

What's covered in Niva Bupa Health Plus

Here's what is covered under this plan.

  1. In-patient treatment covered up to Rs 1 lakh
  2. Doctor's fees
  3. Diagnostics tests
  4. Medicines, drugs and consumables
  5. Intravenous fluids, blood transfusion, injection administration charges
  6. Operation theatre charges
  7. Cost of prosthetics and other devices or equipment if implanted internally during a surgical operation

Other benefits included under the policy are as follows:

  • Hospital accommodation covered up to Rs. 2000 per day
  • Intensive Care Unit (ICU charges) covered up to Rs. 4000
  • Pre- and post-hospitalisation expenses covered up to Rs 1 lakh (Expenses up to 30 days immediately before and up to 60 days immediately after hospitalisation, including doctor's consultation, diagnostics tests, medicines, drugs and consumables)
  • Organ transplant, when medically necessary. The plan provides coverage up to Rs. lakh
  • Emergency ground ambulance covered up to Rs. 1,000 per hospitalisation

Disease-specific limits

Disease Amount (in Rs.)
Appendectomy – Appendix 32,000
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 32,000
Hydrocele 18,000
Haemorrhoidectomy, including the cost of stapler 29,000
Total Knee Replacement (Unilateral) including cost of implants 72,000
Cataract per eye, including Cost of Lens 18,000
CABG 1 lakh
Cholecystectomy 26,000
Hip Replacement (Unilateral), including cost of implants 72,000
Arthroscopic Surgery (Other than ACL / Meniscectomy) 29,000
Hernioplasty/Herniorrhaphy- Bilateral, including cost of mesh and tacker 37,000
PCNL- Bilateral- stone removal 43,000
Temporary pacemaker implantation, including cost of a temporary pacemaker 14,000
Total knee replacement (Bilateral), including cost of implants 1 lakh
Hysterectomy (Abdominal/Vaginal) 40,000
PCNL- Unilateral 37,000
Valve replacement, including cost of implants 1 lakh

What's not covered in Niva Bupa Health Plus

Addictive conditions and disorders

  • Ageing and puberty
  • Artificial life maintenance
  • Ayurvedic and homoeopathic treatment
  • Circumcision
  • Conflict and disaster
  • Convalescence and rehabilitation
  • Cosmetic surgery
  • Dental/Oral treatment
  • Drugs and dressings for OPD treatment or take-home use
  • External congenital anomaly
  • Eyesight
  • Unproven/experimental treatment
  • Unani, Yoga and Siddha treatment
  • Health hydros, nature cure, wellness clinics etc
  • HIV and AIDS
  • Hereditary conditions
  • Items of personal comfort and convenience, including but not limited to the items as mentioned in the policy wording
  • Psychiatric and psychosomatic conditions, obesity, OPD treatment
  • Reproductive medicine - birth control and assisted reproduction
  • Self-inflicted injuries, sexual disorder and gender issues
  • Sexually transmitted diseases, sleep disorders, speech disorders
  • Treatment for developmental problems, treatment received outside India, unrecognised physician or hospital, unlawful activity, genetic disorders

Any expenses as mentioned under the list of generally excluded under hospitalisation cover

Waiting period

The initial waiting period for this cover is 30 days. This excludes personal accidents and pre-existing diseases, for which the waiting period is 48 months.

How to apply for Niva Bupa Health Plus

Applying for the Niva Bupa Health Plus requires you to fill in the online application form and pay the premium using your preferred mode of payment. Here is the step-by-step process to complete the purchase.

  • Step 1: Click on 'Apply Now' button and share your basic details in the online application form.
  • Step 2: Check and confirm your application by entering the OTP received on your mobile number.
  • Step 3: Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

Claim process for Niva Bupa Health Plus

You can raise a claim by reaching out to the insurer via one of the following ways:

Contact us

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


*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. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post-sale. This product provides insurance coverage. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.

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