Niva Bupa (Formerly known as Max Bupa) Health Recharge

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Niva Bupa Health Recharge Plan?

Niva Bupa Health Recharge covers all hospital accommodations up to a single private room without any room rent capping, for sum insured 5 lakhs & above.

For SI less than 5L, the room rent will be covered up to 1% of the Base Sum Insured per day.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Niva Bupa Health Recharge Plan?

Under this plan, ICU charges coverage is available up to the selected SI.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Niva Bupa Health Recharge Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Niva Bupa Health Recharge Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Niva Bupa Health Recharge Plan?

Under this plan, the domiciliary hospitalization is covered up to the SI.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Niva Bupa Health Recharge Plan?

This plan covers expenses of all day care procedures up to the selected sum insured.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Niva Bupa Health Recharge Plan?

Not Covered

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Niva Bupa Health Recharge Plan?

COVID-19 treatment cover is available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Health Recharge Plan?

Not Covered

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Niva Bupa Health Recharge Plan?

The plan offers Organ Donor coverage up to the selected Sum Insured.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Niva Bupa Health Recharge Plan?

It is covered under this plan up to the selected sum insured.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Niva Bupa Health Recharge Plan?

This plan covers Ambulance charges up to 1.5K.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Niva Bupa Health Recharge Plan?

Not available

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Niva Bupa Health Recharge Plan?

The plan offers unlimited tele/online consultations.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Niva Bupa Health Recharge Plan?

Co-payment is not applicable under this plan.

Niva Bupa Health Recharge Policy also provides personal accidental cover to its insured in case of accidental death, partial disability, or permanent disability.

Niva Bupa Health Recharge offers coverage to the policyholder in case he is diagnosed with any of the 20 listed Critical Illnesses for the first time.

In an event, when the total claim made surpasses the threshold limit, Annual Aggregate Deductible offers an additional coverage with a certain limit. Under this, the policyholder needs to bear the amount equal to the Deductible specified. Once the Deductible has been exhausted, the rest is paid by the insurance company.

Annual Aggregate Deductible available under the plan are:

• E-saver: 10K, 25K, 50K
• Super Top up: 1L to 10L in multiples of 1L