Niva Bupa Health Recharge
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Niva Bupa Health Recharge

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

Niva Bupa Health Recharge (formerly known as Max Bupa Health Recharge) is a pocket-friendly Super Top-up plan, offering additional coverage in case your existing health plan gets exhausted. The plan allows you to cover yourself, your spouse, and up to 4 dependent children. In addition to this, the plan provides coverage for Mental Disorder Treatments as well as gives you the option to choose critical illness cover and personal accident cover.

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

Why Niva Bupa Health Recharge Plan?

Niva Bupa Health Recharge is designed for individuals and families. The company Niva Bupa comes with several unique features that, and offers various benefits over other companies which are discussed below:

  • Specialized health insurer
  • Coverage for COVID-19
  • 7600+ Niva Bupa network hospitals
  • Health check-ups available from Day-1
  • Hassle-free cashless claim processing in 30 minutes
  • 24*7 customer care assistance

Niva Bupa Health Recharge Plan Specifications

Niva Bupa Health Insurance policy comes with some unique features. Below-mentioned are the specifications of the plan:

Entry Age

Adults: 18-65 Years, Children: 91 Days

Policy Type

Top-up plan for Individuals & Families

No. of Family Members allowed

6

Renewability

Life long

Sum Insured

2 | 3 | 4 | 5 | 7.5L | 10 |15 | 25 | 40 | 45 | 65 | 70 | 90 | 95L

Annual Aggregate Deductible*

10 | 25 | 50K | 1L to 10L in multiples of 1L

*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.

**Annual aggregate deductible is available as an optional benefit.

Read more specifications in the Niva Bupa Health Recharge Brochure.

Choose Your Niva Bupa Health Companion Plan

In-patient & Out-patient coverage

Room Rent

Up to 1% of SI

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

All Day-Care Treatments Covered up to SI

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Available

Daily Hospital Cash

Not Covered

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Covered

Modern Treatment

Covered up to SI

Emergency Coverage

Ambulance

Covered, up to 1.5K

Air Ambulance

Not available

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Unlimited tele/e-consultations

Health Check-Up

Not available

Second Medical Opinion

Not available

Vaccination

Not available

Limitations

Co-payment

Not Applicable

Sub-limits

Available for Modern Treatments

What is Room Rent?

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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

Coverage status under Niva Bupa Health Recharge Plan?

Not Covered

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Health Recharge Plan?

Not Covered

What is a No-Claim Bonus?

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

What is Automatic Restoration?

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

What is Daily Hospital Cash?

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

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Niva Bupa Health Recharge Plan?

Not Available.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Niva Bupa Health Recharge Plan?

The plan covers the Modern Treatments up to the below-mentioned sub-limits:

Procedure / Treatment Sub-limit (in Rs)Deep Brain Stimulation 5 LImmunotherapy- Monoclonal Antibody to be given as an injection5 LIntra vitreal injections5 LRobotic surgeries2.5 LStereotactic radio surgeries 3.5 LBronchial Thermoplasty2 LVaporisation of the prostate (Green laser treatment or holmium laser treatment)2 L
What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

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

Coverage status under Niva Bupa Health Recharge Plan?

Not Available

What is E-Consultation?

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.

What is a Health Checkup?

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

What is a Second Medical Opinion?

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

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Niva Bupa Health Recharge Plan?

The policy covers health check-up expenses as per the selected Sum Insured.

Variants AvailableVariant 1Variant 2Variant3Family First
Vaccination2.5K5K7.5K5K
What is Co-payment?

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.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Niva Bupa Health Recharge Plan?

The plan has a sub-limit available for Modern Treatments:

Procedure / Treatment Sub-limit (in Rs)
Deep Brain Stimulation 5 L
Immunotherapy- Monoclonal Antibody to be given as an injection5 L
Intra vitreal injections5 L
Robotic surgeries2.5 L
Stereotactic radio surgeries 3.5 L
Bronchial Thermoplasty2 L
Vaporisation of the prostate (Green laser treatment or holmium laser treatment)2 L

Niva Bupa Health Recharge Riders

Niva Bupa Super Top-up plan (Max Bupa Super Top-up Plan) offers 3 optional covers that allow policyholders to customize their plan as per their needs by paying an additional premium. Niva Bupa Health Recharge Plan allows you to enhance your protection by opting for any of the below-mentioned riders as per your and your family's healthcare needs.

Take a look at the optional covers available:

Personal Accident Cover

Secure your family against uncertainties

Critical Illness Cover

Get coverage against 20 Critical Illnesses

Room Rent Modification

Modify your room as per your choice

Annual Aggregate Deductible

Avail additional deductible options

Personal Accident Cover

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

Critical Illness Cover

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.

Room Rent Modification

The plan comes with an option of room rent modification, wherein you can change the room-rent limit at your convenience. Below is the limit for the same:

Sum Insured (Rs.)2 | 3 | 4 L5 | 7.5L | 10 |15 | 25 | 40 | 45 | 65 | 70 | 90 | 95 L
Room Rent Modification LimitSingle private room; covered up to Sum Insured (optional available only for deductible more than 50,000)Not Applicable
Annual Aggregate Deductible

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

Niva Bupa Health Companion Exclusions

Permanent Exclusions

Health insurance policies generally exclude some medical conditions from their coverage. Find the permanent diseases or health conditions that are not covered under Niva Bupa Health Recharge.

Drug/Alcohol abuse treatment

Unlawful activity

Self-inflicted injury

Dental or oral treatment

Ancillary hospital charges

Hospitalization at the unrecognized health center

Coverage after Waiting Period

Niva Bupa super top up plan provides coverage for some diseases and treatments after a certain waiting period. These are:

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Niva Bupa Health Recharge Sample Premium

We at PolicyX.com have illustrated the sample premium of Niva Bupa Recharge Health Insurance for you to understand the premium calculation easily. The table below illustrates the policy premium for an individual aged 30 years, wherein the deductible chosen is 5L. Different SI options and family sizes are considered to give you a better idea of premium calculation in different cases.

1 Adult

SI Options10L25L45L70L95L
Premium Payable1,0481,4492,0172,3392,653

2 Adults

SI Options10L25L45L70L95L
Premium Payable1,3641,9782,8443,3373,818

2 Adults + 1 Child

SI Options10L25L45L70L95L
Premium Payable1,6472,4503,5584,2004,825

Explore Niva Bupa Health Recharge Plan

Know more about Niva Bupa Health plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

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Buying Process

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Contact Us

Feel free to contact Niva Bupa Health Insurance for more details.

Premium Calculator

Calculate your Niva Bupa Premium online, without any hassles.

Explore Other Plans by Niva Bupa Health Insurance

Niva Bupa Health Insurance company offers various medical policies to fulfill the needs of different segments of customers. Along with Niva Bupa Health Recharge, Niva Bupa offers different other health insurance plans to cater to the different medical needs of an individual & their family. Take a look below to explore more:

Protect your entire family with smart features that provide you with everything you need under a health insurance plan.

Unique Features

  • No room rent capping
  • 20% increase in SI as no-claim bonus
  • 100% SI restoration

A comprehensive medical policy that blends well with the lifestyle of your family while offering SI options from 5 Lakhs to 3 Crores.

Unique Features

  • Maternity benefits available
  • 10% increase in SI annually
  • International coverage available

A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.

Unique Features

  • No room rent capping
  • Up to 100% of SI restoration
  • 20% increase in SI as no claim bonus

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakhs to 1 crore) and keeps giving you more benefits.

Unique Features

  • Covers up to 6 members
  • Unlimited SI restoration
  • Coverage for modern treatment

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa AccidentCare

Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.

Unique Features

  • Global coverage available
  • Child education benefit
  • 125% of SI for permanent disability

NivaBupa Go Active

A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.

Unique Features

  • Early age enrolment discounts
  • Up to 10 OPD consultations per year
  • No room rent capping

NivaBupa Heart Beat

A complete health plan, providing a wide range of medical benefits along with global emergency coverage.

Unique Features

  • Maternity & New born coverage
  • No room rent capping
  • 10% increase in SI annually

NivaBupa Money Saver

A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.

Unique Features

  • 100% SI restoration
  • Unlimited e-consultation
  • No room rent capping

NivaBupa Senior First

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Super Saver

An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.

Unique Features

  • Up to 200% of SI as NCB
  • Up to 150% of SI restoration
  • Unlimited e-consultation

Niva Bupa Health Recharge: FAQs

1. What are Loyalty Benefits and how do they work under Niva Bupa Super Top Up Plan?

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.

2. Till what age can the policy be renewed?

Health Recharge by Niva Bupa comes with a lifelong renewal benefit without any extra loading.

3. How can I avail AYUSH Coverage in Niva Bupa Health Recharge?

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.

4. Which illnesses are covered under Niva Bupa Super Top up - Critical Illness Rider?

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

5. Does Health Recharge Niva Bupa offer coverage for sexually transmitted diseases?

No, the plan does not cover sexually transmitted Infections & diseases. However, it offers coverage against HIV/AIDS.

6. How much coverage will I get for Accidental Permanent Disability?

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.

7. Is buying a Niva Bupa Health Recharge necessary?

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.

8. Under Niva Bupa Health Recharge - Accident Cover, will I get any coverage for hearing loss?

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

9. Will I be able to avail of any Tax Benefits under Niva Bupa Health Recharge Plan?

Yes, the plan allows you to avail of tax benefits under section 80D of the income tax act.

10. Will I get any discounts on the Health recharge Niva Bupa policy?

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.

11. How can I avail of discounts on pharmacy and diagnostic services?

You can get discounts on pharmacy and diagnostic services through service providers empanelled with the insurer.

12. Is pre-acceptance screening (medical checkup) needed before buying Health Recharge Niva Bupa plan?

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.

Niva Bupa Health Recharge Review

Here are customers' reviews on Niva Bupa Health Recharge, know what they say.

Customer Review Image

Khushwant Kumar

Agra

August 12, 2021

thanks policyx itna help karne ke lie. Good luck. Sahi plan mil gaya mere conditions ke hisaab se. Very happy.

Customer Review Image

Sudesh Chauhan

Bengaluru

August 11, 2021

Pleased that a significant chunk of my hospital bills were covered with my max health plan. Special thanks to policyx who guided me during the buying process and got me a good plan.

Customer Review Image

Devesh Das

Delhi

August 11, 2021

Thanx from the heart to team at policyx. I came in with no knowledge wanting to get my health insured. I bough a plan from Max and policyx guided me. So much thannks

Customer Review Image

Kritisha Verma

Indore

August 11, 2021

Appreciate all the help received at POlicyx! Saved me a lot of effort with their attention to detail. Got a nice deal from Max Bupa.

Customer Review Image

Patel Manoj bhai

Pune

May 10, 2021

It was my first time buying a health insurance plan for my family. Being recommended by a friend, I came to max bufa The website provided guidance throughout to help me find the right type of c...

Customer Review Image

Fahad Ali Khan

Kolkata

May 3, 2021

PolicyX provides personalized product services based on our requirements and do not push any particular company as an influence. Really transparent service

Customer Review Image

Raja Agnihotri

Bengaluru

April 27, 2021

I am happy with the company. Their process is really quick and smooth. Customer care people are also very good.

Customer Review Image

Sriniwas Rane

Pune

February 26, 2021

I took the health insurance plan for my family. Max Bupa is a nice company. Go for it. Thanks to Policyx.com, they helped me a lot.