Niva Bupa Health Insurance
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Health Insurance
The Benefits of Bundling: How Combining Insurance Policies Saves You Money
Bundle your health insurance with other policies to save money, simplify management, and enjoy broader, seamless protection from one trusted insurer.
Benefits You Can Get :
Plan Suite Overview ReAssure: ₹3 lakh–₹1 crore sum insured; covers modern treatments, unlimited reinstatement, booster benefits, AYUSH, air‑ambulance
Health Companion: Starts ₹5,085/year; family floater option to cover up to 19 members; daily cash benefit, ambulance, cumulative bonus, AYUSH
Additional plans: Rise, Aspire, Health Premia, GoActive, Health Pulse, CritiCare, AccidentCare
Top Features
Rise: Unique return-of-premium model — 50% premium back + 10% annual returns; smart-cash reward for no claim treatment at govt hospitals; unlimited digital doctor consultations
As per ReAssure and Companion: unlimited reinstatement, no room‑rent caps, claim boosters, wellness discounts
CritiCare/AccidentCare: targeted coverage for critical illness and accidents
Customer Feedback & Caution
Multiple Reddit users report poor customer support, slow/inconsistent claim service, frequent claim rejection, poor transparency
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At‑a‑Glance Comparison Table
At‑a‑Glance Comparison Table:
| Company | Signature Plans | Sum Insured Range | Key Perk | Caution/Notes |
|---|---|---|---|---|
| Tata AIG | MediCare Series, Arogya Sanjeevani | up to ₹3 cr | High claim ratio, global cover | Waiting periods may vary |
| HDFC ERGO | Apollo-derived health plans | individual/family plans | Fast digital ops & AI-based support | Limited public plan detail |
| ManipalCigna | Active, Infinite plans | ₹5 l – ₹3 cr | Unlimited restoration, wellness perks | New entrant with few policies |
| IFFCO Tokio | Health + Wellness add-on programmes | conventional + wellness | Cashless everywhere, mental-health support | Wellness interest important |
| ICICI Lombard | Complete Health Policy | ₹1 l – ₹1 cr | No sub-limits, free checks | Age impact on premium rises |
| Care Insurance | Family, Senior, Critical Illness | up to ₹6 cr | High sum insured, flexible options | Waiting rules strict |
| Niva Bupa | Rise, ReAssure, Companion, CritiCare | ₹3 l – ₹1 cr+ | Global premium returns plan (Rise) | Poor service reviews common |