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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Bupa Health Recharge

Niva Bupa Health Recharge is a super top-up plan providing additional ...Read More

Up to Unlimited
Sum insured
320+
Pan India presence
94.4%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,748 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 94.4% claim settlement
Written by Simran Nirala
Reviewed by Anchita Bhattacharyya
Published: 27 Sep 2024
Updated: 26 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Go an extra mile for the health of your family with Niva Bupa Health Recharge

Niva Bupa Health Recharge (formerly Max Bupa Health Recharge) is a pocket-friendly Super Top-up plan that offers additional coverage if your existing health plan gets exhausted. The plan allows you to cover yourself, your spouse, and up to 4 dependent children. It also provides coverage for mental disorder treatments and gives you the option to choose critical illness and personal accident coverage.

Niva Bupa Health Recharge pays for medical expenses only after the insured has exhausted all deductible limits. Explore more about the plan in the sections below.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

All about Niva Bupa Health Insurance Company

All about Niva Bupa Health Insurance Company

Niva Bupa Health Insurance Plan Detailed Review

Niva Bupa Health Insurance Plan Detailed Review

Why Choose Niva Bupa (Formerly Max Bupa) Health Recharge Plan?

Niva Bupa Health Recharge is designed for individuals and families. Niva Bupa offers several unique features and benefits compared to other companies, which are discussed below:

  • Specialised health insurer
  • Coverage for COVID-19
  • 10,000+ Niva Bupa network hospitals
  • Health check-ups available from day 1
  • Hassle-free cashless claim processing in 30 minutes
  • 24/7 customer care assistance

Exclusions

  • Drug/Alcohol abuse treatment
  • Unlawful activity
  • Self-inflicted injury
  • Dental or oral treatment
  • Ancillary hospital charges
  • Hospitalization at an unrecognized health center
  • Listed ailments after 24 months
  • Pre-existing diseases after 36 months

Niva Bupa Health Recharge Sample Premium

PolicyX.com has illustrated the sample premium for Niva Bupa Health Recharge to help you understand the premium calculation easily. The table below shows the policy premium for an individual aged 30 years, with a chosen deductible of 5L. Different Sum Insured (SI) options and family sizes are considered to provide a better idea of premium calculation in various cases.

1 Adult

SI Options 10L 25L 45L 70L 95L
Premium Payable 1,048 1,449 2,017 2,339 2,653

2 Adults

SI Options 10L 25L 45L 70L 95L
Premium Payable 1,364 1,978 2,844 3,337 3,818

2 Adults + 1 Child

SI Options 10L 25L 45L 70L 95L
Premium Payable 1,647 2,450 3,558 4,200 4,825

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
91 days to 65 years
Plan type
Top Up and Super Top Up
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹25 L, ₹40 L, ₹45 L, ₹65 L, ₹95 L
Waiting period
90 days
Renewability
Lifetime
Policy term
2 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Loyalty addictions up to 50%
  • Pharmacy and diagnostic services
  • Personal accident cover
  • Easy plan convertibility
  • Easy plan convertibility
  • Day care treatment coverage

Cons

  • Maternity treatment not covered
  • Pre-exisiting diseases not covered
  • Alcoholism not covered
  • Dietary supplements not covered
  • No COVID-19 cover

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Not covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min-: 18 years
  • Max-: 65 years

Frequently Asked Questions

The 12 most-asked questions about Niva Bupa Health Recharge, answered.

If a policyholder chooses to continue his policy with the company without any break for 2 years, then the company in return will increase 5% of base sum insured in a policy year; maximum up to 50% of Base Sum Insured. This benefit is applicable only for the Base Sum Insured up to 25L.
Health Recharge by Niva Bupa comes with a lifelong renewal benefit without any extra loading.
As per the policy’s terms & conditions, one is eligible to avail coverage for AYUSH Treatments only if the treatment is taken in a government authorized health care center, which comprises: Central or state government AYUSH Hospital, Teaching Hospital attached to AYUSH colleges that are recognized by the Central Government / Central Council of Indian Medicine / Central Council of Homeopathy, AYUSH Hospitals.
The Critical Illness Rider covers 20 below-mentioned illnesses: Cancer of Specified Severity Open Chest CABG Myocardial Infarction Open Heart Replacement Or Repair Of Heart Valves Coma of specified Severity Kidney failure requiring regular dialysis Stroke Resulting In Permanent Symptoms Permanent Paralysis of limbs Major Organ/Bone Marrow Transplant Motor Neurone Disease with Permanent Symptoms Multiple sclerosis End-stage Liver Disease End-stage Lung Disease Loss of speech Deafness Third-degree Burns Aplastic Anaemia Bacterial Meningitis Viral Hepatitis Muscular Dystrophy
No, the plan does not cover sexually transmitted Infections & diseases. However, it offers coverage against HIV/AIDS.
The company will pay 125 percent of the Personal Accident Cover sum insured if the injury happens due to an accident resulting in the insured person’s permanent total disability, which means that the Injury results in one or more of the following conditions within 365 days of the Accident.
No, Health Recharge is a super top-up plan & it is not mandatory for anyone to buy this plan. However, if you want to increase your overall coverage, then buying this plan is a good option.
Yes, the plan will cover the Total and permanent loss of speech and hearing in both ears up to 100 % of the Personal Accident Cover sum insured payable.
Yes, the plan allows you to avail of tax benefits under section 80D of the income tax act.
Yes, the plan offers a discount on premiums if you choose to buy policy for a period of 2 or 3 years. The discount ranges from 7.5% off on 2nd year, and 15 % off on 3rd year premium.
You can get discounts on pharmacy and diagnostic services through service providers empanelled with the insurer.
Yes, a medical checkup may be a mandatory thing before buying Health Recharge Niva Bupa depending on the age of the policyholder and the chosen deductible amount.

Explore Niva Bupa Health Insurance

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