- Individual and family floater Plan type
- No limits; any room of choice; no ICU day/
charge limits Room rent - 36 months Pre-existing disease waiting
Premium depends on your profile
Niva Bupa · NBHHLIP25041V012425
Niva Bupa Rise
Niva Bupa Rise (IRDAI UIN NBHHLIP25041V012425) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (9 options). Pre-existing diseases are covered after 3 years.
Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.
In short
Niva Bupa Rise is a health insurance plan from Niva Bupa. Key specifications: plan type Individual and family floater, room rent Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.
Premium depends on your profile
- Plan type
- Individual and family floater
- Room rent
- Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room
- Pre-existing disease waiting
- 36 months
Who should buy it
- Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this
Full specifications
Cover
| Plan type | Individual and family floater |
|---|---|
| Sum insured options | 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore |
| Highest sum insured | 100 lakh |
| Room rent | Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room |
| Co-payment | Flat 20% if treatment taken outside the Rise-Tiered Network; 20% if room above twin sharing |
Waiting periods
| Initial waiting period | 30 days |
|---|---|
| Pre-existing disease waiting | 36 months |
| Specific illness waiting | 24 months |
Benefits
| Pre-hospitalisation | 60 days |
|---|---|
| Post-hospitalisation | 180 days |
| Day-care treatment | Yes |
| AYUSH treatment | Yes |
| Restore benefit | Re-fill: once in a policy year, an amount equal to the base sum insured, added on complete or partial utilisation; any illness (same or different) |
| No-claim bonus | Loyalty Bonus: 10% of expiring Base Sum Insured every policy year, up to 100% of Base Sum Insured |
| Maternity | Not covered |
| OPD | Not covered (unlimited digital consultations only) |
Insurer
| Health incurred claim ratio (insurer) | 61.22% |
|---|---|
| Claims figures for | FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10) |
| Network hospitals (insurer) | 19,000+ |
| IRDAI UIN | NBHHLIP25041V012425 |
About the Rise
Niva Bupa Rise (IRDAI UIN NBHHLIP25041V012425) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (9 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Niva Bupa.
Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.
Cover and limits
- Plan type: Individual and family floater
- Sum insured options: 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore
- Room rent: Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room
- Co-payment: Flat 20% if treatment taken outside the Rise-Tiered Network; 20% if room above twin sharing
Waiting periods
- Initial waiting period: 30 days
- Pre-existing diseases: 3 years
- Specific illnesses: 2 years
Benefits
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 180 days
- Day-care treatment: Covered
- AYUSH treatment: Covered
- Restore benefit: Re-fill: once in a policy year, an amount equal to the base sum insured, added on complete or partial utilisation; any illness (same or different)
- No-claim bonus: Loyalty Bonus: 10% of expiring Base Sum Insured every policy year, up to 100% of Base Sum Insured
- Maternity: Not covered
- OPD: Not covered (unlimited digital consultations only)
How it compares on Comparezi
Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.
Premium
It depends on your age, cover, city and options. Niva Bupa does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
About the insurer
Niva Bupa's health incurred claim ratio was 61.22% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Niva Bupa states a network of 19,000+ hospitals.
Similar plans from other insurers
- ACKO Platinum Lite Health Plan (Niva Bupa Rise vs ACKO Platinum Lite Health Plan)
- Aditya Birla Health Activ Fit (Niva Bupa Rise vs Aditya Birla Health Activ Fit)
- Care Health Care Supreme (Niva Bupa Rise vs Care Health Care Supreme)
- Galaxy Health Galaxy Promise - Signature Plan (Niva Bupa Rise vs Galaxy Health Galaxy Promise - Signature Plan)
Other health insurance plans from Niva Bupa
Sources
- Insurer document (PDF) (transactions.nivabupa.com)
- Policy wording (transactions.nivabupa.com)
- IRDAI publication (irdai.gov.in)
Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.
Alternatives
Alternatives to the Rise
Aditya Birla Health
Activ Fit
- Individual and family floater Plan type
- Any Room (SI Rs 5 lacs and above) Room rent
- 36 months Pre-existing disease waiting
Premium depends on your profile
Care Health
Care Supreme
- Individual and family floater Plan type
- Up to SI Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹12,292 a year*
Galaxy Health
Galaxy Promise - Signature Plan
- Individual and family floater Plan type
- SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹11,573 a year*
Similar cover
Similar health insurance plans
Niva Bupa
Aspire
- Individual and family floater Plan type
- No limit (any room); optional room type modification Room rent
Premium depends on your profile
Niva Bupa
ReAssure 3.0
- Individual and family floater Plan type
- By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/
Suite; Black any room (co-payment if room category breached) Room rent - 36 months Pre-existing disease waiting
Premium depends on your profile
Head to head
Compare the Rise
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Activ Fit vs Rise
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Galaxy Promise - Signature Plan vs Rise
- Galaxy Promise - Signature Plan
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Questions
Rise FAQs
It depends on your age, cover, city and options. Niva Bupa does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
NBHHLIP25041V012425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.
3 years, as stated by the insurer.
Room rent as stated by the insurer: Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room.
Co-payment as stated by the insurer: Flat 20% if treatment taken outside the Rise-Tiered Network; 20% if room above twin sharing.
Maternity as stated by the insurer: Not covered.
60 days before and 180 days after hospitalisation.
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore.
Data sources
- Manufacturer official pages
Last updated
Product details
Disclosure
Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.