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Protect your loved ones with a ₹3 Lakh health insurance plan—an affordable yet essential step toward safeguarding your family’s well-being. With ₹3 Lakh coverage, you can manage everyday medical expenses and ensure timely treatment without financial stress.
Network of 10,000+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.5 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.5 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
1.5 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
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
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.
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
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.
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:
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.
Key Benefits of Health Insurance Plans in Jaipur
Investing in a reliable health insurance policy in India comes with a range of valuable benefits. Whether you're in Jaipur or any other part of the country, the right plan can provide financial security and peace of mind during medical emergencies.
Cashless Medical:
When it comes to the best medical insurance plans in India, one of the standout benefits is access to a wide network of empanelled hospitals, including many top-tier facilities in Jaipur. If you're admitted to any of these partner hospitals, there's no need to stress about upfront payments. Just share your policy details, and the hospital along with your insurer, will take care of the expenses directly. This cashless claim facility is a major advantage, offering a hassle-free experience without the burden of complex paperwork or delayed reimbursements.
Why Health Insurance Matters in Jaipur?
Healthcare infrastructure in Jaipur has seen significant improvement with the establishment of several super-speciality hospitals and diagnostic centres. Private medical facilities offer high-end medical services, but these come at a cost. A single hospitalisation can run into lakhs, depending on the nature of treatment.
Health insurance acts as a safety net, reducing the financial burden during medical emergencies. For many residents, especially those without employer-provided cover, having a comprehensive personal health insurance plan is essential.
Types of Health Insurance Plans Available
Health insurance in Jaipur broadly falls into the following categories:
Individual Health Insurance
Individual health insurance designed for single individuals, this plan covers hospitalisation, pre and post-hospital expenses, ambulance charges, and certain day-care treatments. Ideal for working professionals or students living independently in the city.
Family Floater Plans
Family floater plans plans provide a single sum insured that covers all family members. They are cost-effective and suitable for nuclear families. A ₹5 lakh family floater plan typically covers two adults and two children.
Senior Citizen Health Insurance
Given Jaipur’s large and growing elderly population, this is a critical segment. Best health insurance for senior citizens cater specifically to individuals aged 60 and above and usually include annual health check-ups and coverage for age-related ailments, albeit at higher premiums.
Critical Illness Plans
Critical illness insurance policies provide a lump sum amount upon diagnosis of life-threatening illnesses such as cancer, kidney failure, or a heart attack. They are useful for individuals with a family history of such diseases or those working in high-stress jobs.
Top-Up Plans
Top-up or super top-up plans act as a financial buffer when your existing cover is exhausted. They are ideal for those who already have a base policy but want to extend their protection without significantly increasing premiums.
How to Choose the Right Plan in Jaipur?
When selecting a health insurance plan, there are several factors to consider:
Network Hospitals in Jaipur
One of the most important aspects of any health insurance plan is access to cashless treatment. Always check whether the insurer has a strong network of empanelled hospitals in Jaipur, especially near your residence or workplace. At Niva Bupa, we offer cashless treatment at our network hospitals. A wider network means better convenience during emergencies.
Waiting Periods for Pre-Existing Conditions and Maternity
Most plans do cover pre-existing illnesses, but only after a waiting period that typically ranges from 2 to 3 years. Similarly, maternity and newborn benefits also come with their own waiting periods. Choose a plan with the shortest applicable waiting time if these are important to you, and always read the fine print.
Co-payment Clause
Many policies, especially those designed for senior citizens, include a co-payment clause where the insured pays a certain percentage of the claim amount (commonly 10–20%). While this can lower premiums, it increases out-of-pocket expenses during treatment. Opt for zero or minimal co-pay options if your budget allows.
Sub-limits on Treatment and Room Rent
Some policies come with sub-limits on room rent, doctor’s fees, or specific treatments (like cataract or knee replacement). These caps can significantly impact the quality of care you receive. Prefer plans without sub-limits unless you are opting for a budget-friendly or basic plan. Ensure the policy allows access to private single rooms without hefty additional charges.
Claim Settlement Ratio & Process
A high claim settlement ratio (CSR) is a good indicator of the insurer’s reliability. It shows the percentage of claims successfully paid out. Look for insurers with a CSR above 90%, and read reviews about their claim processing speed. Also, check if they offer cashless claim approvals within 30 minutes, which is particularly helpful in time-sensitive cases.
Additional Benefits & Customisation Options
Modern health insurance plans come with wellness rewards, free health check-ups, online consultations, and even mental health coverage. Look for plans that offer riders/add-ons such as critical illness cover, hospital cash, or international cover, depending on your lifestyle and needs.
Premium vs Coverage Balance
While it’s tempting to pick the cheapest policy, make sure you’re not compromising on essential features. Compare sum insured, exclusions, and renewal benefits. Tools like premium calculators or speaking to a health insurance advisor in Jaipur can help strike the right balance.
Digital Trends and Buying Insurance Online
The insurance sector in Jaipur has also embraced digital transformation. Most providers offer the ability to compare, purchase, and renew policies online. Websites and aggregators allow side-by-side comparisons of features, premiums, and reviews.
This not only ensures transparency but also helps buyers make informed decisions without relying solely on agents. Digital documentation, e-policy issuance, and app-based claim filing have made the entire process more convenient and time-saving for Jaipurites.
Common Pitfalls to Avoid
While buying health insurance in Jaipur, many people overlook key details, leading to complications during claim settlement. Avoid these common mistakes:
Underinsuring Yourself: A ₹2–3 lakh sum insured may seem adequate now, but with inflation in medical costs, it may fall short during a major emergency.
Not Disclosing Medical History: Any omission or false declaration can result in claim rejection.
Delaying Purchase: Younger buyers get lower premiums and better terms. Waiting till a health issue arises often means higher premiums or policy denial.
Ignoring Renewal Dates: A lapsed policy can lead to a loss of benefits like waiting period completion and cumulative bonus.
Final Thoughts
Health insurance in Jaipur is no longer optional, as medical costs are on the rise. Whether you're a salaried individual, business owner, or retired senior citizen, investing in the right health insurance policy provides not only financial protection but also peace of mind.
At Niva Bupa, we offer a wide range of flexible plans tailored to diverse needs—be it individual, family, senior citizen, or critical illness coverage. With a strong network of 10,400+ cashless hospitals and fast claim settlement, we ensure quality care without financial stress.
Compare, customise, and choose wisely. And remember — the best time to buy health insurance was yesterday; the second-best time is today.
Frequently Asked Questions
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.
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