Money Saver
Introducing a smart health insurance plan that grows with you. Lower premiums, lifelong benefits, and exclusive rewards—just for starting early.
Upto 15% online discount & 30% renewal discount*





50K+ Customers
Many individuals have already opted for Niva Bupa Health Insurance
India's Best Health Insurer rated for the year 2024 by

Key features of Money Saver
There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly
Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured
Get cashless coverage for hospitalisation expenses for all insured members at network hospitals
Your health insurance will cover host of day care procedures
Get personal accident cover and secure your family’s finances against personal accidents
Get a lump sum payment each day for each 24 hours of hospitalization in addition to the in-patient treatment benefits. This benefit is in addition to the sum insured
Get critical illness insurance cover against illnesses like cancer, kidney failure etc. depending on the base sum insured
1. Pre-existing Diseases
2. Specified disease/procedure waiting period
3. 30-day waiting period
4. Investigation & Evaluation
5. Rest Cure, rehabilitation and respite care
6. Obesity/Weight Control
7. Hazardous or Adventure sports
8. Breach of law
9. Excluded Providers
10. Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
11. Treatments received in health hydros, nature cure clinics, spas or similar establishments
12. Refractive Error
13. Unproven Treatments
14. Ancillary hospital charges
15. Artificial life maintenance
16. Behavioral, Neurodevelopmental and Neurodegenerative Disorders
17. Circumcision
18. Conflict & disaster
19. External congenital anomaly
20. Convalescence & rehabilitation
21. Cosmetic and reconstructive surgery
22. Dental/oral treatment
23. Eyesight & optical services
24. Experimental or unproven treatment
25. Hospitalisation not justified
26. Inconsistent, irrelevant or incidental diagnostic procedures
27. Non-medical expenses
28. Obesity and weight control programs
29. Off-label drug or treatment
30. Puberty and menopause related disorders
31. Reproductive medicine & other maternity expenses
32. Robotic assisted surgery, LASER & light based treatment
33. Sexually transmitted infections & diseases
34. Sleep disorders
35. Substance related and addictive disorders
36. Unlawful activity
37. Treatment received outside India
38. Unrecognized physician or hospital
39. Generally excluded expenses
This is a comprehensive list of exclusions. For complete details, please refer to the policy wording document.
1. Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal
2. Initial waiting period of 30 days unless the treatment needed is the result of an accident
3. Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)
Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.
Please do read more about the common exclusions in the policy terms & conditions with title Waiting Period
Our Satisfied Customers
Watch what our customers are saying.
REAL STORIES with REAL IMPACT!

Vippan Kapur

Meenakshi Khanna

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Parveen Singh
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Explore other health insurance plans offered by Niva Bupa
Nothing Seems Impossible
Starts from
₹ 7,326^
Annual Premium
₹ 5,00,000
Annual Premium
- 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 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

Day 1 Coverage for Diabetes & Hypertension
Starts from
₹ 2,474^^
Annual Premium
₹ 5,00,000
Sum Insured
- No waiting period for pre-existing diabetes and hypertension
- Up to 20% off on renewal premium based on quarterly test results
- No extra loadings for pre-existing diabetes and hypertension
- Diagnostic tests covered up to INR 3,000 per year
Download Resources
Read more about the product through Product Brochure and Policy Wording documents
Frequently Asked Questions
Trending Articles
Download the
Niva Bupa App Today
12L+
Downloads
52K+
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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Insurance Plans
- Health Insurance
- Health Insurance Plans
- Individual Health Insurance Plans
- Family Health Insurance Plans
- Critical Illness Insurance Plans
- Personal Accident Insurance Plans
- Mediclaim Policy
- Travel Insurance
- Best Health Insurance for Senior Citizens
- NRI Health Insurance
- Niva Bupa Store Locator
- Empower Health Plan
- SurroGuard Health Plan
- Oocyte Guard Health Plan
About Niva Bupa
Tools for You
Legal
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.
^^ 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.