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Niva Bupa Health Insurance

Niva Bupa Health Insurance (formerly Max Bupa)

91Score

★★★★☆4.2

Customer satisfaction · 10.0M members

IRDAI: Top Standalone Health Insurer(2025)PolicyBazaar: Top 3 Standalone Insurer(2026)

Niva Bupa is a standalone health insurer backed by Bupa, the global healthcare group. Formerly known as Max Bupa, it offers international treatment cover, Health Returns premium payback benefits, and a digital-first customer experience.

Overall Score

91/100

Founded

2008

Headquarters

New Delhi

Type

private

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Key Metrics

Claim Settlement Ratio

~95-97%

Network Hospitals

Growing network

Global Partner

Bupa (UK) — global healthcare group

Unique Benefit

Health Returns (premium payback for no claims)

Editorial Ratings

IRDAI: Top Standalone Health Insurer(2025)

Rating: CSR ~95-97% (max: 100%)

96IRDAI

PolicyBazaar: Top 3 Standalone Insurer(2026)

Rating: Among top 3 standalone health insurers by reviews (max: 5/5)

86PolicyBazaar

Coverage Highlights

✓Partnership with Bupa — global healthcare expertise
✓International treatment cover options
✓Health Returns benefit (premium payback for no claims)
✓Strong focus on digital-first customer experience
✓OPD and wellness benefits included in many plans

Pros

✓Global healthcare expertise through Bupa partnership
✓Innovative benefits like Health Returns
✓Strong focus on preventive healthcare
✓Growing network of hospitals

Cons

✗Smaller than Star Health in market share
✗Some plans are premium-priced
✗Branch network not as extensive as older insurers

Frequently Asked Questions

Is Niva Bupa the same as Max Bupa?

Yes. Niva Bupa was formerly known as Max Bupa Health Insurance. The company was rebranded but continues to operate with the same Bupa partnership.

What is Niva Bupa's Health Returns benefit?

Health Returns is a unique feature that pays back a portion of your premium if you make no claims during the policy year, rewarding healthy policyholders.

Does Niva Bupa cover international treatment?

Yes. Niva Bupa offers international treatment cover options in select plans, leveraging the global Bupa healthcare network.

What is Niva Bupa's claim settlement ratio?

Niva Bupa has a claim settlement ratio of approximately 95-97%, consistently ranking among the top standalone health insurers.

Quick Summary

InsurerNiva Bupa Health Insurance

Country🇮🇳 India

Overall Score91/100

Satisfaction4.2/5

Members10.0M

Typeprivate

Founded2008

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