Personal Accident Health Insurance
Our bestselling health insurance plan provides extensive coverage and benefits for all your healthcare needs
Upto 15% online discount & 30% renewal discount*





50K+ Customers
Many individuals have already opted for Niva Bupa Health Insurance
Key features of AccidentCare
The policy will cover pre and post hospitalisation expenses as well. The period of the treatment covered is 60 days before you get admitted to the hospital and 180 days after you get discharged from the hospital.
Temporary Total Disability (TTD) - TTD Sum Insured – 10 lacs & 20 lacs only TTD benefit – 1% of TTD Sum Insured payable per week Such weekly payout shall be made for a maximum of 100 weeks
TTD Sum Insured Multiple- TTD Sum Insured not to exceed lower of (2 times of Annual Income or AccidentCare Sum Insured)
Accident Hospitalisation Limit (confined to India only)- Upto 2% of AccidentCare Sum Insured
Surgical Operations - Covered upto the Accident hospitalization limit. Claim settlement on reimbursement basis only and coverage limited to India only.
Emergency Ambulance (as part of overall Sum Insured) - Limited to Rs 2000/claim
Physiotherapy (as part of overall Sum Insured) - Limited to 10% of Accidental hospitalization limit
Nursing Care, Drugs, and Surgical Dressing
Medical Practitioner’s / Surgeon’s Fee
Room Rent
Operation Theatre Charges
1. Any pre-existing diseases will be covered after a waiting period of 36 months
2. Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident
3. Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage
4. Investigation and Evaluation
5. Rest Cure, rehabilitation and respite care
6. Cosmetic or plastic Surgery
7. Hazardous or Adventure sports
8. Breach of law
9. Excluded Providers
10. Unproven Treatments
11. Conflict and Disaster
12. External Congenital Anomaly
13. Unrecognized Physician or Hospital
This is partial list of exclusions. For complete list of exclusions, please refer to the policy wording document.
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A Comprehensive Health Plan
Starts from
₹ 7,326^
Annual Premium
₹ 5,00,000
Sum Insured
- Pay premium as per your entry age (till a claim is paid)
- Carry forward unused base sum insured up to 10 times of base cover
- Use and get back your base coverage, over and above the balance. Unlimited times and forever
- Get up to 30% discount on renewals basis step count
A plan that rewards you for starting young
Starts from
₹ 8,633^
Annual Premium
₹ 5,00,000
Sum Insured
- Pay premium as per your entry age (till a claim is paid)
- Carry forward unused base sum insured up to 10 times of base cover
- Buy multiyear policies (2 and 3 years) and combine the entire sum insured (Base and Maternity) to be used anytime during the complete policy tenure
- Accumulate cashback on every claim-free year. Pay for premiums, deductible, co-payment, and OPD
A plan that keeps giving you more
Starts from
₹ 16,125^^
Annual Premium
₹ 5,00,000
Sum Insured
- Use and get back your base coverage, over and above the balance. Unlimited times
- Coverage even for non-payable items like gloves etc
- Avail Annual Health-check up from Day 1
- No mandatory Pre-Issuance Medical test
Download Resources
Read more about the product through Product Brochure and Policy Wording documents
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Niva Bupa App Today
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Reviews
Make your Health Insurance accessible on the go. Download the Niva Bupa Health App today
5
app rating by customer
I found, the Niva Bupa app to be very user-friendly and most convenient. Thanks for the interface that gives power to me. From finding cashless hospitals in any location, booking a consultation, to submitting and tracking claims, etc., everything is on my fingertip. Recently, suddenly, my 8-year-old daughter fell ill, infected by Dengue, I applied for reimbursement using this app for the first time. Still, I completed the process easily and today I got the reimbursement amount as well in a week. THANK YOU.
5
app rating by customer
The app works perfectly and provides real-time assistance. One-stop solution for most of the services - Policy details, premium certificate, network hospital details. The most important unlimited free teleconsultation feature. I used it multiple times, saving time and money.
5
app rating by customer
New Ul is crisp. Really an upgrade in experience.
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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
*Terms & Conditions apply
^Compare Variants
The premiums are excluding applicable taxes for all the variants , for a 25-year-old individual living in Pune & has opted Sum Insured for INR 5 Lacs.
*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.)
^^ Other Popular Health Insurance Plans:
Smart Health (Disease Management Rider): The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
Health Premia: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
Senior First: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
Aspire: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
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.