Niva Bupa
Indian health insurer selling individual, family, senior and travel cover online and through an app.
Updated · AppBreakup editorial · Web, iOS, Android
Is Niva Bupa free?
No, it's a paid product
Switch from Niva Bupa to
All 2
ACKOStarting price: ₹45 per travel day (travel insurance)
Digit InsurancePaid
- Verified facts
- 5 of 5
- Alternatives ranked
- 2
- Approved reviews
- 0
- Visits sent from here
- 0
About Niva Bupa
Niva Bupa is a standalone health insurance company in India, promoted by the UK healthcare group Bupa and listed on Indian stock exchanges. It sells individual, family floater, senior citizen, critical illness, personal accident and international travel policies, plus group cover for employers. Policies can be bought and renewed on its website, and its health app lets customers find cashless network hospitals, file and track claims, download premium certificates and book teleconsultations. Its main selling points are a large cashless hospital network and fast pre-authorisation for cashless claims. Premiums depend on age, city, sum insured and plan, and the site quotes them online. It only covers people in India (with plans for NRIs), so it is not an option for residents elsewhere. As with any insurer, waiting periods, co-payments and exclusions vary by plan and should be read before buying.
Best for: Indian families and individuals wanting standalone health cover with a large cashless hospital network.
Pros and cons
What works
- Large cashless network of 19,000+ hospitals across India
- App handles claims, hospital search and teleconsultations
- Wide range of plans, from senior citizen cover to travel insurance
Why people leave
- Only for people in India (and NRIs buying Indian cover)
- Some reimbursement claims carry a 20% co-payment
- Waiting periods and exclusions differ by plan and take care to compare
Niva Bupa vs ACKO and Digit Insurance
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | Niva Bupa | ACKO | Digit Insurance |
|---|---|---|---|
| Pricing | Paid | Paid | Paid |
| Verified price | — | ₹45 per travel day (travel insurance) | — |
| Free plan | No | No | No |
| Open source | No | No | No |
| Self-hostable | No | No | No |
| Platforms | Web, iOS, Android | Web, Android, iOS | Web, Android, iOS |
Top Niva Bupa alternatives
See all 2- 1ACKO68.8
Digital-first insurer that sells health, car and bike cover entirely online.
- 2Digit Insurance62.6
App-based general insurer offering health plans alongside motor and travel cover.
Why people left Niva Bupa
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Reviews
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Niva Bupa: common questions
What is Niva Bupa?
Niva Bupa: Indian health insurer selling individual, family, senior and travel cover online and through an app. Best for indian families and individuals wanting standalone health cover with a large cashless hospital network. Available for Web, iOS and Android.
Is Niva Bupa free?
No, Niva Bupa is a paid product.
Is Niva Bupa open source?
No, Niva Bupa is not open source.
What platforms does Niva Bupa run on?
Niva Bupa is available for Web, iOS and Android.
What are the best alternatives to Niva Bupa?
The highest-ranked Niva Bupa alternatives right now are ACKO and Digit Insurance. See the full ranked list for pricing, platforms and verified facts.
Niva Bupa vs ACKO: what's the difference?
Both Niva Bupa and ACKO are paid products. Both run on Web, iOS and Android.