Health Insurance Premium Calculator

Health Insurance

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All you need to know about Health Insurance Premium Calculator

Why Choose Niva Bupa?

Trusted by over 1.4 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need

30 min

Cashless Claim Processing 1

15 Lakh+

Claims paid since inception 2

1.4 Crore+

Happy customers served till date

Custom Health Insurance Plans designed for You

A plan that rewards you for starting young

Starts from

₹8,632¹

Annual Premium

₹5,00,000

Sum Insured

Lock the age, pay premiums as per entry age till you claim
Don’t lose what you don’t use. Carry forward the balance sum insured
Maternity coverage including IVF, Adoption and more
Use and get back your base coverage. Unlimited times and forever
Hospitalisations of 2 hours or more covered

This plan offers full COVID-19 cover

Nothing Seems Impossible. The Most Comprehensive health insurance plan.

Starts from

₹7,821²

Annual Premium

₹5,00,000

Sum Insured

Save as you age. Pay as per entry age, until you claim.
Use and get back your base coverage. Unlimited times and forever.
Don’t lose what you don’t use. Carry forward the balance sum insured
Up to 30% discount on renewal premium basis step count

This plan offers full COVID-19 cover

A Health Insurance Plan that works your way

Starts from

₹4,804³

Annual Premium

₹5,00,000

Sum Insured

Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
Access unlimited digital consultations with general physicians through our mobile app.

This plan offers full COVID-19 cover

A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.

Starts from

₹11,571⁴

Annual Premium

₹5,00,000

Sum Insured

Comprehensive coverage up to ₹3 Cr
In-built travel insurance coverage for multiple trips in a year
Modern Treatments coverage
Maternity (worldwide) and new born baby cover

This plan offers full COVID-19 cover

The Smart Health Insurance Plan with Smart Feature to keep your family protected

Starts from

₹11,775⁵

Annual Premium

₹5,00,000

Sum Insured

No Room Rent Capping
Modern Treatments Covered up to Sum Insured
Hospitalisations of 2 hours or more covered
One time refill of Base Sum Insured, even for same illness.

This plan offers full COVID-19 cover

A plan with smart features to give you everything you need in a health cover

Starts from

₹5,116 ¹

Annual Premium

₹3,00,000

Sum Insured

Cover Up To ₹1 Cr
Annual Health Check-up
No room rent cap
No Claim Bonus

This plan offers full COVID-19 cover

Nothing Seems Impossible. The Most Comprehensive health insurance plan.

Starts from

₹7,821²

Annual Premium

₹5,00,000

Sum Insured

Save as you age. Pay as per entry age, until you claim.
Use and get back your base coverage. Unlimited times and forever.
Don’t lose what you don’t use. Carry forward the balance sum insured
Up to 30% discount on renewal premium basis step count

This plan offers full COVID-19 cover

A health insurance plan made for senior citizens

Starts from

₹16,125³

Annual Premium

₹5,00,000

Sum Insured

Use and get back your base coverage, over and above the balance. Unlimited times
Avail Annual Health-check up from Day 1
Coverage even for non-payable items like gloves etc
No mandatory Pre-Issuance Medical test

This plan offers full COVID-19 cover

A Comprehensive Health Plan

Starts from

₹11,572¹

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

An Active Health Insurance That Works For You Every Day

Starts from

₹15,242²

Annual Premium

₹5,00,000

Sum Insured

Coverage of up to ₹ 25 Lacs.
A health insurance that pays for Doctor Visits
Meet your health goals and get up to 20% discount on renewal premium
Avail Health Check-up/Diagnostic tests of your choice

This plan offers full COVID-19 cover

A comprehensive cover that takes care of the finer details

Starts from

₹16,948³

Annual Premium

₹5,00,000

Sum Insured

Comprehensive coverage up to ₹ 1 Crore
Increase in sum insured by 10% on each year
One time reinstatement of Base Sum Insured, for same and different illness
Modern Treatments covered up to Sum Insured

This plan offers full COVID-19 cover

A Super Top-Up Plan That Goes The Extra Mile For Your Loved Ones.

Starts from

₹956¹

Annual Premium

₹95,00,000 with ₹5L Deductible

Sum Insured

Coverage Up to ₹95 Lac
Pre & Post Hospitalisation Medical Expenses: Covered Up To Sum Insured
E-Consultation: Unlimited Tele / Online Consultations
Pharmacy And Diagnostic Services: Available Through Our Empanelled Service Providers

This plan offers full COVID-19 cover

The Most ''Cost Effective'' Plan with Industry leading Products

Starts from

₹13,305²

Annual Premium

₹1,00,00,000

Sum Insured

Comprehensive Coverage of up to ₹ 1 Crore
Enhanced coverage at cost effective premium
Carry forward unutilized base and M-iracle sum insured up to 10X of Base sum insured
Save as you age. Pay as per entry age, until you claim. M-iracle claim will not impact the AGE LOCK!

This plan offers full COVID-19 cover

“Cost Effective” Plan with leading benefits

Starts from

₹10,487³

Annual Premium

₹1,00,00,000

Sum Insured

Get 10+90 Lacs of base coverage
Save as you age. Pay as per entry age, until you claim.
Don’t lose what you don’t use. Carry forward the balance sum insured up to 10X
Get reinstatement of the base sum insured. Unlimited times and forever.

This plan offers full COVID-19 cover

A plan that rewards you for starting young

Starts from

₹8,633¹

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 Personal Accident Cover from Niva Bupa

Starts from

₹680²

Annual Premium

₹5,00,000

Sum Insured

Sum Insured Options of Up to INR 5 Crore
Coverage for Death & Disability
Cover for your child's education expenses
Enhance your plan by opting for additional optional covers

This plan offers full COVID-19 cover

A Plan that is always by your side

Starts from

₹1,002³

Annual Premium

₹5,00,000

Sum Insured

Sum Insured Options of Up to ₹ 2 Crore
Coverage of 20 Critical Illness
Option to choose that payout. One Time Lumpsum or Staggered

This plan offers full COVID-19 cover

A Plan designed specifically for Covid-19 Treatments

Starts from

₹208⁴

Annual Premium

₹50,000

Sum Insured

Hospitalization Coverage for COVID-19 up to INR 5,00,000
Home Care Treatment Expenses – Coverage for availing treatment at home
Coverage for Pre & Post Hospitalization Medical Expenses
AYUSH Treatments Coverage for inpatient care treatment for COVID-19

This plan offers full COVID-19 cover

Key Benefits of Health Insurance Plans in India

There are several benefits one can enjoy while purchasing the best health insurance in India.

Cashless Medical Treatment:

In the sector of best health insurance in India, each insurer hospitals nationwide. So, if you find yourself admitted to any of these esteemed partnerships with a vast network of empanelled hospitals,you can bid farewell to worries about payment. Simply present your policy number, and your insurer and the hospital will shoulder all your expenses. Cashless claims reign supreme in health insurance policies, owing to their seamless process that eliminates hassles related to claim disbursement and tedious documentation.

Post and Pre-Hospitalisation Coverage:

Best health insurance in India goes beyond merely covering hospitalisation expenses, providing clients with comprehensive coverage. Today, traditional health plans extend their reach to include pre and post-hospitalisation expenses, ensuring a holistic approach to healthcare. Moreover, these plans offer benefits like medication costs, doctor consultations, ambulance charges, and much more, ensuring that individuals are safeguarded against various healthcare expenses.

No claim bonus:

Best health insurance in India gives policyholders an enticing perk known as a no-claim bonus.This bonus rewards individuals who haven't made any claims during the previous year by offering them a discount on their premiums or an increase in their coverage. Upon renewing the policy, policyholders can take advantage of this appealing no-claim bonus, ensuring they are recognised and rewarded for their healthy track record.

Medical Checkup Facility:

Choosing the best health insurance in India that aligns with your needs not only grants you coverage when required but also opens the door to regular medical check-ups. In addition, as a valuable inclusion within your health plan, insurers understand the significance of proactive healthcare and provide this facility to ensure your well-being remains a top priority.

Co-payment:

Co-payment is a valuable benefit offered by health insurance plans that helps individuals manage their medical expenses. With co-payment, policyholders must pay a fixed, predetermined amount out of pocket for specific healthcare services while the insurance company covers the remaining costs. This feature of the best health insurance plans in India ensures that individuals have affordable access to necessary medical treatments, consultations, or prescription drugs, promoting timely healthcare utilisation and reducing financial burden.

Quick Links

Network Hospital

Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment

Family Health Insurance

Get comprehensive coverage for your entire family under a single health insurance plan.

Claim Settlement Ratio

Check our track record for successfully settled claims, ensuring peace of mind when you need it most.

Premium Calculator

Calculate your insurance premium easily to choose a plan that fits your budget.

Best Insurance Plans

Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.

How does Our Claim Process work?

Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:

Website

Niva Bupa App

Hospital Admission:

Get admitted to a Niva Bupa network hospital.

Identification:

Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.

Pre-authorisation:

The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.

Niva Bupa Confirmation:

After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request

Final Settlement:

Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.

What is Health Insurance premium?

Health insurance policies cover hospitalisation expenses, medical bills, pre-and post-hospitalisation expenses, diagnostic expenses, OPD expenses, hospital daily allowance, etc., depending on the agreed coverage of the policy. The health insurance premium is the money you need to pay to the insurer to keep the health insurance cover active

What is Health Insurance Premium Calculator?

The premium amount in health insurance depends on various factors, like the type of plan, age of the insured person, amount of coverage, etc. A Health Insurance Premium Calculator is a tool that helps you to find out the premium amount for different combinations of policy types, sum assured, age, riders, etc.

Premiums are recurring expenditure that you need to make to stay covered under a health insurance plan. The health insurance premium calculator is embedded into the insurer’s website so that it is easier for you to know the premium amount of your health insurance cover.

How is Health Insurance Premium determined?

The health insurance premium amount is determined by insurance companies after considering various factors. The calculation method may differ from insurer to insurer, but it includes factors like pre-existing diseases, medical history, smoking habits, lifestyle, etc.

Besides, the age of the policyholder(s), the amount of sum assured chosen, the type of policy sought, add-on covers and top-ups selected also have a bearing on the premium amount. The insurance company evaluates all the aforementioned factors and assesses the risk involved. The premium amount is directly proportional to the risk involved. The insurer may even reject applications with very high risk.

How to start using Health Insurance Premium Calculator?

To get an estimate of the health insurance premium, you can use a health insurance premium calculator, an online tool with several information fields. You need to fill in the number of people you want to insure along with their respective ages. You may have to provide your area pin code, as the premium amount may vary depending on the geographical location.

You will get the option of selecting the sum assured in money value. After filling these, along with any other information if required, you can click on the Calculate Premium option. You will then get the health insurance premium amount

Significant benefits of Health Insurance Premium Calculator

The greatest advantage of a health insurance premium calculator is that it simplifies your search for the optimal health cover and premium. You can refer to a premium table or sit with an insurance company representative to determine the premium amount. But with the calculator, you can check all the permutations and combinations at the click of a button.

The health insurance premium calculator gives you an estimate based on which you can proceed to buy a particular health insurance plan. You also get to check your affordability before purchasing a specific health cover.

Additional factors affecting Health Insurance Premium

Apart from age, medical history, pre-existing diseases, amount of coverage and lifestyle habits like smoking and drinking, the following are some of the other factors that affect the health insurance premium amount.

Policy Tenure: Longer tenure will reduce the premium amount compared to a short duration policy.
Occupation: A policyholder with a desk job will be less of a risk for the insurance company than, say, a coal miner. Premium increases with the level of occupational hazards.
Body Mass Index: High BMI is considered a precursor to ailments like hypertension, type 2 diabetes, heart problems, and even cancer. High BMI increases the premium amount.
Family History: Family history of heart ailments, cancer, Alzheimer’s disease, and other hereditary diseases can also increase the premium amount.
Riders: Premium will also increase if you opt for additional covers in your health policy.
Co-payment: In co-payment, you split the medical bills with your insurer. This reduces the premium amount.

How to Reduce Health Insurance Premium?

Some of the ways to reduce your health insurance premium amount are

Start Early: Those who start their health insurance policy early are charged a relatively lower premium.
Sum Assured: Take a look at the medical expenses in your preferred hospitals and decide on a practical sum assured amount. An unrealistic sum assured would require a higher premium and may never be fully utilised.
Co-payment: By opting for co-payment, you agree to bear a certain percentage of the medical bills. This reduces your health insurance premium amount.
Deductibles: Deductible is the fixed amount that you pay against your medical bills. Any bill amounts over and above the deductible amount is paid by the insurance company.
Top-up: You can keep the premium amount low by opting for a policy with a lower sum assured and buying a top-up with a much lower incremental premium.

Types of Health Insurance Plans in India

The below-mentioned features ensure that health insurance policies provide comprehensive coverage for various medical needs while considering factors like waiting periods, co-payments, and additional riders.

Individual Health Insurance Plans

An Individual Health Insurance Plan is a type of insurance policy created to provide financial coverage for medical expenses incurred by a single person.

Note: The sum assured of the policy is directly dependent on the age, health and income level of the insured individual.

Individual Health Insurance Plans

Family Floater Health Insurance Plans

A Family Floater Health Insurance Plan is an extensive insurance policy designed to provide medical coverage for an entire family under a single sum insured.

Note: Keep in mind that the premium of a family floater policy is heavily dependent on the age of the oldest family member covered under the plan.

Family Health Insurance Plans

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Senior Citizen Health Insurance Plans

A Senior Citizen Health Insurance Plan is a customisable or personalised medical plan to provide support and care for seniors in their golden years.

Note: Anyone above the age of 65 can opt for such a cover.

Senior Citizen Health Insurance Plans

Top Reasons Why you Should get your Health Insurance from Niva Bupa?

Several reasons make Niva Bupa an ideal choice for buying a health insurance policy

Track Record

Strong Presence

Claim Settlement

Online Advantage

Direct Relationship

Digital Presence

Your Perfect Plan Awaits you

Live Healthy and secure your health with our comprehensive insurance plans

Looking for an ideal Health Insurance Plan

Our Satisfied

Customers

Watch what our customers are saying. REAL STORIES with REAL IMPACT!

Vippan Kapur

It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.

Meenakshi Khanna

Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.

Vijay Kapoor

With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.

Diviay Chadha

Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.

Parveen Singh

The Niva Bupa team was extremely helpful, be it day or night, someone was always available.

Health and Wellness Blogs

What are Pre & Post Hospitalization Expenses in Health Insurance Plans?

Pre & Post Hospitalization Expenses play an important role in a health insurance cover. In the article, Niva Bupa has explained what are pre & post hospitalization expenses.

Safeguard your Health with a Cashless Mediclaim

Know all the benefits and tips before choosing your mediclaim plan. Read the article to get a deep insight of the topic.

What Is Cashless Mediclaim Policy?

Cashless Mediclaim Insurance overcomes the hassles of claim settlement & paperwork during a stressful time. The article explain cashless mediclaim insurance in detail.

Cashless Treatment: How it Works and What to Know

Understand how cashless treatment works, allowing you to receive medical care without upfront payments. Learn the benefits of utilizing cashless health insurance.

Download the
Niva Bupa App Today

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Reviews

Make your Health Insurance accessible on the go. Download the Niva Bupa Health App today

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.

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.

app rating by customer

New Ul is crisp. Really an upgrade in experience.

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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

DISCLAIMERS

*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.)

Why Choose Niva Bupa

¹ Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.

² Since Inception refers to claim data from 2010 till December 2023.

Custom Health Insurance Plans designed for You

Popular

¹Aspire: Quoted premium is inclusive of GST for Bronze+ Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.

²Reassure2.0: Quoted premium is inclusive of GST for Bronze Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.

³Rise: The premium is including taxes and digital discount for “Rise” ₹ 5 lacs base sum insured and 1 year tenure for a 25-year-old individual living in Bangalore and paying the complete premium in one-time.

⁴Health Premia: Quoted premium is inclusive of GST for ₹ 5 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)(1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions.

⁵Health Companion: *Quoted premium is inclusive of GST for Variant 2022 with ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.

Senior Citizens

¹Health Companion: Quoted premium is inclusive of GST for Variant 2022 with ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.

³Senior First: Quoted premium is inclusive of GST for Gold Variant with ₹ 5 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 65 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured and variant Chosen. Please read the policy terms and conditions for details of coverage.

Wellness

¹Health Premia: Quoted premium is inclusive of GST for ₹ 5 lacs Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)(1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions.

²Go Active: Quoted premium is inclusive of GST for ₹ 3 lacs Sum Insured with a policy tenure of 1 year, for 1 Adult aged 25 years living in Delhi. (1) The benefits and limits may vary as per Sum Insured Chosen. Please read the policy terms and conditions for details of coverage.

³Heartbeat: (1) The benefits and limits may vary as per Sum Insured and Variant Chosen subject to Policy Terms & Conditions. *Quoted premium is inclusive of GST for ₹ 5 lacs (Gold Variant) Sum Insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with Zone 1 Option (all India coverage without any co-payment)

Top Up / Combo

¹Health Recharge: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions. *Quoted premium is inclusive of GST for ₹ 95 lacs sum insured with ₹ 5 Lacs deductible with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi

²Aspire Max (Aspire + Health Recharge): (1) The benefits and limits will vary as per the sum insured and variant opted. Aspire Max is a combination of two Products (Aspire and Health Recharge). Terms and Conditions of the respective products will apply as per the sum insured offered.*Premium shown are for Aspire (5 Lakhs Sum Insured (Titanium+ Variant) and Health Recharge with ₹ 95 Lakhs Sum insured with ₹ 5 lakhs deductible . Policy Tenure: 1 Year and location Delhi. These are inclusive of GST & in ₹.

³Max Saver(Reassure2.0 + Health Recharge): The premium is including taxes and for Base Sum Insured of ₹ 5 lacs from ReAssure 2.0 Bronze and ₹ 95 lacs from Health Recharge with a policy tenure of 1 year, for a 25-year-old individual living in Delhi.

Specific Needs

²Accident Care: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.*Quoted premium is inclusive of GST for ₹ 5 lacs sum insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi.

³Criti Care: (1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.*Quoted premium is inclusive of GST for ₹ 5 lacs sum insured with a policy tenure of 1 year for 1 Adult aged 25 years living in Delhi with one time payout option.

⁴Corona Kavach: Premium shown is for Sum Insured ₹ 50,000 for a period of 3.5 Months for an insured aged 18 Years living in Delhi. Premium including GST.(1) The benefits and limits may vary as per Sum Insured Chosen subject to Policy Terms & Conditions.

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.