Niva Bupa
Health Premier (Gold)
Plan & insurer snapshot
✅ Claims (No.)
90.64%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
7.30%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
10,000+
Reported size of network hospitals.
💬 Complaints
0.43%
Complaint incidence on claims experience.
✨ Expert Verdict
Health Premier (Gold) is a health insurance plan from Niva Bupa. Review policy wording and add-on details before final purchase.
Pros
- Refill benefit available (Once in a policy year).
- Day-care procedures are included in coverage.
Cons
- Room rent has a cap, which may increase out-of-pocket costs.
Key Features
Room Rent
Capped
Co-Pay
Not specified
Disease Sub-limit
Not specified
Pre-Hospitalisation
Not specified
Post-Hospitalisation
180 days (Covered up to: sum insured)
Refill Trigger
Partial exhaustion of Sum Insured
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
1
Pre-existing Disease Waiting
2