Rise Health Insurance

Introducing a Health Insurance Plan that works your way and "Returns" more than it asks for.

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50K+ Customers

Many individuals have already opted for Niva Bupa Health Insurance

Key features of Rise

Return

Smart Cash

Flexi - Pay

Digital Consultations

Expenses During Hospitalization

Room Type

Expenses Before and After a Hospitalization

Re-fill

Expenses in Reaching a Hospital

Rise-Tiered Network

Health Check-up (only cashless)

Health Check-Up (Cashless and Reimbursement with 20% Co-payment)

Room Type Modification

Co-Payment

Personal Accident

Hospital Daily Cash

Permanent Exclusions

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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Know more about the product benefits,

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Rise vs Other Market Health Insurance Plans

Here is a quick comparison between RISE v/s Other plans offered in the market

Benefits

RISE

Others

Return

Premium Back No Waiting Periods and Exclusions on the Accumulated Amount

Get back 50% of the premium back.Get 10% returns on the accumulated amount.No waiting periods & exclusions apply on this amount.

No premium back no claims for waiting periods and exclusions

Smart Cash

Lumpsum cash benefit for treatment in government hospitals

Get ₹5,000

No rewards

Flexi Pay

Flexibility to pay premiums on your own terms

Enroll by paying a token amount.Pay a small amount to keep the policy active.Pay rest as per your comfort! Faster payment equals higher discounts.

Non-flexible payment methods

Digital consultations

Access unlimited digital consultations with general physicians via Niva Bupa Mobile application.

Unlimited

No

Minimum Hospitalisation

Allows you get coverage even for the non payable items which otherwise are excluded.

2+ hours

24+ hours

Get a quote

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Compare plans

Not sure if it’s the right plan for your family? Compare it with other similar plans.

Other Popular Health Insurance Plans

Explore other health insurance plans offered by Niva Bupa

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

Choose from 2 variants: Gold and Platinum

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

This plan offers full COVID-19 cover

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

This plan offers full COVID-19 cover

A Comprehensive Health Plan

Starts from

₹ 11,572^

Annual Premium

₹ 5,00,000

Sum Insured

Comprehensive coverage up to ₹ 3Cr
In-built travel insurance coverage
International coverage
Loyalty Additions of 10% in sum insured per year

This plan offers full COVID-19 cover

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

This plan offers full COVID-19 cover

Download Resources

Read more about the product through Product Brochure and Policy Wording documents

RISE Brochure

Download the brochure to understand the RISE Plan better

RISE Policy Wordings

Find out all you need to know about the plan here

RISE Claim form

Download the form to make a hassle-free claim

RISE Proposal Form

Download the proposal form here

Learn more about Rise

Health insurance should not only cover hospital bills—it should be a partner in your well-being. RISE is crafted for individuals and families looking for customised coverage, flexible payment options, and benefits that grow with time. Here is why RISE is the right choice for you:

RISE: Ab India Karega RISE

At Niva Bupa, we believe health insurance should not just be about protection; it should be about empowerment. With the RISE plan, we bring you a revolutionary health insurance plan that returns more than it asks for. Designed to make quality healthcare accessible and affordable, this plan ensures that you always get something in return. Whether it is financial security, added benefits, or the confidence to seek medical care without hesitation, RISE is here to redefine health insurance in India. It is a health insurance plan that works your way.

Flexi-pay – Apne Hisaab Se!:

Understanding that everyone has different financial preferences, RISE allows you to choose your preferred premium payment method.

Token Amount:

Pay only a token amount, the rest of the premium as per your convenience (baaki premium apne hisaab se).

How does Flexi-pay works?:

For example, ''If the total premium is ₹ 10,000, pay a token amount of ₹2,000 to start your health coverage. Pay the remaining amount through monthly subscriptions to keep your policy active.''.

Greater Discounts for Early Payments:

The sooner you complete your payment, the higher the discount you receive on your premium. Pay rest of the premium Anytime during the policy tenure. Sooner you pay, higher will be the discount. This makes planning your finances easier while ensuring cost savings.

Return – Get Rewarded for Staying Covered:

RISE goes beyond just covering medical expenses—it enhances your financial protection over time. With the Return benefit, your health insurance plan becomes more rewarding.

50% of Your Premium Back:

A unique benefit that adds 50% of your paid premium back to your sum insured, giving you more coverage without extra cost.

Compounded Growth for Life :

This accumulated sum insured grows by 10% every year, ensuring that your coverage keeps increasing as you stay insured.

No Waiting Periods or Exclusions:

Unlike other benefits, this additional sum insured comes with no restrictions, allowing you to use it whenever required, hassle-free.

Smart Cash – Financial Support for Government Hospital Treatment:

Healthcare should be accessible to everyone, and RISE ensures that you receive financial assistance even if your treatment is in a government hospital.

₹5,000 Smart Cash Benefit:

If you choose to get treated at a government hospital for a claim that would have been payable under RISE, you will receive ₹5,000 as financial assistance, ensuring extra support during your treatment.

No Additional Documentation Hassles:

This benefit ensures you get quick support without complex paperwork.

Unlimited Digital Consultations – Expert Care Within Our Network:

Access to quality healthcare should not be restricted by location or cost. With RISE, you get unlimited digital consultations with doctors from our trusted network without worrying about additional charges.

Unlimited Access to General Physicians:

Consult with experienced doctors anytime through a dedicated mobile app, anytime, anywhere.

Convenient & Hassle-Free:

No need to visit a hospital or clinic for minor health concerns—get expert medical advice from the comfort of your home.

Sum Insured Coverage:

Covered up to ₹1 Crore sum insured.

Room Type Flexibility:

Twin-sharing rooms are covered with zero co-payment. Additionally, there is an option to upgrade or modify the room.

Pre & post-hospitalisation expenses:

Pre & post-hospitalisation expenses covered for 60 days before and 180 days after

Organ Donor Expenses:

Organ Donor Expenses covered for both donor and recipient

Modern treatments:

Modern treatments like robotic surgeries, stem cell therapy, and cyberknife surgery cover up to ₹50,000 per hospitalisation

100% Extra Cover with Re-Fill Benefit:

Once you make your first claim, your coverage automatically refills with an additional 100% sum insured. Even better, the same person can use it for the same illness if needed.

Health Check-Ups From Day 1:

Your wellness should not wait. RISE offers health check-ups starting from Day 1 on a cashless basis or reimbursement basis for a defined set of tests, ensuring you always stay ahead of your health.

Modify Room Type:

Choose from General Ward, Single Room, or All Room Categories.

Co-Payment Options:

Opt for 0%, 10%, 20%, 30%, 40%, or 50% co-payment and get discounts accordingly.

Personal Accident Cover :

Get personal accident coverage for accidental death and disability up to 5 times the base sum insured (maximum ₹1 Crore).

Hospital Daily Cash:

Get a daily cash benefit of INR 1,000 per day of hospitalisation to cover your miscellaneous expenses, up to a maximum of 30 days in a year.

Claim Safeguard & Safeguard+ :

Covers a few non-payable expenses and offers inflation-linked sum insured growth.

Safeguard:

As per list I of policy annexure, The expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment.

:Claim Safeguard+:

As per list I, II, III, IV of policy annexure, the expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment.

Sum Insured Safeguard:

Automatically increases your sum insured every year to combat inflation.

Choose Your Hospital:

Removes co-payment for treatment taken outside the ''Rise-Tiered Network''.

Treatment+:

Remove sublimits on modern treatments—now covered up to the sum insured!

Consultation:

Get expert consultations as many times as you need within a policy year.

Ready to RISE? Choose Niva Bupa Today!:

Your health insurance should be an investment that gives back. With RISE, you receive customised coverage, flexibility, financial security, and rewards for staying insured. Take charge of your health today and step into a future where your health insurance truly works your way! AB INDIA KAREGA RISE – Because you deserve more!

Frequently Asked Questions

What makes RISE different from other health insurance plans?

RISE offers flexible premium payment options with discounts for early payments, ensuring affordability. The Return benefit rewards you by giving back 50% of your premium to your sum assured, plus a 10% bonus for life. Smart Cash provides ₹5,000 in financial support for government hospital treatments without extra paperwork. Additionally, unlimited digital consultations allow easy access to doctors anytime, anywhere.

How does the 50% premium return work?

Can I choose my payment method?

How do I avail unlimited digital consultations?

Download the
Niva Bupa App Today

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Downloads

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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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Rise Health Insurance

Key features of Rise

Check out the product explainer video

Rise vs Other Market Health Insurance Plans

Other Popular Health Insurance Plans

Download Resources

RISE Brochure

RISE Policy Wordings

RISE Claim form

RISE Proposal Form

Learn more about Rise

RISE: Ab India Karega RISE

Flexi-pay – Apne Hisaab Se!:

Token Amount:

How does Flexi-pay works?:

Greater Discounts for Early Payments:

Return – Get Rewarded for Staying Covered:

50% of Your Premium Back:

Compounded Growth for Life :

No Waiting Periods or Exclusions:

Smart Cash – Financial Support for Government Hospital Treatment:

₹5,000 Smart Cash Benefit:

No Additional Documentation Hassles:

Unlimited Digital Consultations – Expert Care Within Our Network:

Unlimited Access to General Physicians:

Convenient & Hassle-Free:

Sum Insured Coverage:

Room Type Flexibility:

Pre & post-hospitalisation expenses:

Organ Donor Expenses:

Modern treatments:

100% Extra Cover with Re-Fill Benefit:

Health Check-Ups From Day 1:

Modify Room Type:

Co-Payment Options:

Personal Accident Cover :

Hospital Daily Cash:

Claim Safeguard & Safeguard+ :

Safeguard:

:Claim Safeguard+:

Sum Insured Safeguard:

Choose Your Hospital:

Treatment+:

Consultation:

Ready to RISE? Choose Niva Bupa Today!:

Frequently Asked Questions

What makes RISE different from other health insurance plans?

How does the 50% premium return work?

Can I choose my payment method?

How do I avail unlimited digital consultations?

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