Niva Bupa Health Insurance Plans for Family

Most families realise their health insurance gaps only after a claim gets rejected or partially paid. To help you avoid that situation, at Ditto, we analyzed the official policy wording of Niva Bupa Health Insurance Plans for Family and broke them down without the jargon. 

By the end of this guide, you’ll clearly understand plan differences, eligibility rules, and whether Niva Bupa is a good fit for your family, or not.

List of Niva Bupa Health Insurance Plans for Family

1) ReAssure 2.0 Platinum +

Niva Bupa ReAssure 2.0 Platinum+’s standout feature is the ReAssure benefit, which automatically restores the sum insured after it is exhausted, helping families handle multiple hospitalisations in a year. It’s well-suited for families looking for robust protection and predictable benefits over time.

2) Aspire Titanium +

Niva Bupa Aspire Titanium+ offers a large sum insured (up to ₹1 crore), unlimited restoration of cover for multiple claims in a year, no room-rent limits, and benefits like Lock the Clock+ to protect against age-based premium hikes. With Fast Forward benefits, optional global coverage, and cash-bag rewards for claim-free years, Aspire Titanium+ offers comprehensive protection with long-term cost stability. The plan also includes the M-iracle Parenthood Benefit, which provides maternity coverage for antenatal care, delivery, IVF, surrogacy, and adoption expenses after a short waiting period. The coverage also extends to the newborn automatically from day 1. 

3) Health Recharge Super Top Up

Niva Bupa Health Recharge is a super top-up health insurance plan that works alongside an existing base policy to provide extra coverage at a lower cost. Once the chosen deductible is crossed, the plan kicks in to cover large medical expenses, making it ideal for families who want higher protection without paying high premiums. It can cover multiple claims in a year after the deductible is met.

You can also check out ReAssure 3.0+ and Health Premia Platinum plans from the insurer. 

Ditto’s Tip: Pre-existing diseases must be disclosed as non-disclosure can impact premiums, waiting periods, and even claim denials at a later stage. 

If you’d like a detailed guide about the insurer, you can check out our comprehensive review.

Benefits of Niva Bupa Family Health Insurance Plans

1) Broad Coverage for All Family Members

The policies cover inpatient hospitalization, day care procedures, modern treatments, organ transplants, and domiciliary hospitalization. Expenses incurred before and after hospitalization are also covered, up to 60 days pre-hospitalization and 180 days post-hospitalization.

2) Cashless Hospital Network

One of the key advantages of Niva Bupa Family Health Insurance Plans is access to a large cashless hospital network of over 10,000+ hospitals across India. This allows policyholders to receive quality medical treatment without paying upfront expenses. You can check if your nearest hospital is a part of their network here.

3) No Claim Bonus and Renewability Benefits

Niva Bupa rewards policyholders for staying healthy through benefits like the Booster+ Benefit, which allows unused sum insured to be carried forward, up to 10 times the base sum insured. Additionally, the ReAssure Benefit restores the sum insured an unlimited number of times for both related and unrelated illnesses, ensuring coverage never runs out even after multiple claims.

4) Customizable Add-ons and Riders

These include Smart Health + Rider, maternity and newborn cover, personal accident cover, and a reduction in the PED waiting period. Other than that, the Safeguard+ Benefit covers non-payable items like consumables and protects the accumulated bonus from small claims. 

Note: The eligibility criteria vary from plan to plan. For example, ReAssure 2.0 has an entry age from 18 to no limit.

You can add up to 6 members in most family floater policies. Moreover, lifelong renewability is available across all Niva Bupa health insurance plans for the family. 

For the above comparison, we’ve taken examples of healthy profiles, insured for a sum of 15 lakhs, living in a tier-1 city like Delhi. We’ve also added the Safeguard+ Rider.

Note: The premiums shown are indicative in nature. Actual premiums vary based on underwriting, location, and add-ons opted for. 

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

• No-Spam & No Salesmen
• Rated 4.9/5 on Google Reviews by 15,000+ happy customers
• Backed by Zerodha
• Dedicated Claim Support Team
• 100% Free Consultation

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat over WhatsApp, slots fill up fast!

Ditto’s Take on Niva Bupa Health Insurance Plans for Family

Niva Bupa health insurance plans for family stand out for their feature-rich design, high sum insured options, and benefits that actively protect families against multiple or large medical claims. That said, the right plan still depends on your family’s age mix, medical history, and budget. If you’re unsure which Niva Bupa plan fits your family best, it’s always worth comparing options carefully and getting personalised advice before buying.

Full Disclosure: Niva Bupa is a partner insurer of Ditto. The above information has been sourced from the insurer’s website, policy wordings, official disclosures, IRDAI-published data, and Ditto’s claims-handling experience with customers.

If you’d like to read more about how we evaluate our insurers, you can check out Ditto’s Cut.