Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
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:
Niva Bupa Health Recharge is designed for individuals and families. The company Niva Bupa comes with several unique features that, offers various benefits over other companies which are discussed below:
Niva Bupa Health Insurance Plan Detailed Review
All about Niva Bupa Health Insurance Company
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.
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
In-patient & Out-patient coverage
Room Rent
Available up to Single Private Room
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
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:
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
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:
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Niva Bupa Health Recharge Plan?
Not Available
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 L | Immunotherapy- Monoclonal Antibody to be given as an injection | 5 L | Intra vitreal injections | 5 L | Robotic surgeries | 2.5 L | Stereotactic radio surgeries | 3.5 L | Bronchial Thermoplasty | 2 L | Vaporisation of the prostate (Green laser treatment or holmium laser treatment) | 2 L |
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
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 Available | Variant 1 | Variant 2 | Variant3 | Family First |
Vaccination | 2.5K | 5K | 7.5K | 5K |
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.
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 injection | 5 L |
Intra vitreal injections | 5 L |
Robotic surgeries | 2.5 L |
Stereotactic radio surgeries | 3.5 L |
Bronchial Thermoplasty | 2 L |
Vaporisation of the prostate (Green laser treatment or holmium laser treatment) | 2 L |
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
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.
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 L | 5 | 7.5L | 10 |15 | 25 | 40 | 45 | 65 | 70 | 90 | 95 L |
Room Rent Modification Limit | Single private room; covered up to Sum Insured (optional available only for deductible more than 50,000) | Not Applicable |
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:
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
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
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.
SI Options | 10L | 25L | 45L | 70L | 95L |
Premium Payable | 1,048 | 1,449 | 2,017 | 2,339 | 2,653 |
SI Options | 10L | 25L | 45L | 70L | 95L |
Premium Payable | 1,364 | 1,978 | 2,844 | 3,337 | 3,818 |
SI Options | 10L | 25L | 45L | 70L | 95L |
Premium Payable | 1,647 | 2,450 | 3,558 | 4,200 | 4,825 |
Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:
Comprehensive
This plan is designed for youngsters and allows the policyholder to go overseas for treatments.
Unique Features
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
Comprehensive
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
Comprehensive
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
Comprehensive
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
Affordable
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
Critical Illness
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
Personal Accident
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
Comprehensive and Top-Up plan
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
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
Comprehensive Plan
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
Suraksha Plan
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
Corona Plan
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
Niva Bupa Health Insurance Network Hospitals are present in 32 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.
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:
The Critical Illness Rider covers 20 below-mentioned illnesses:
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.
See More Health Insurance Articles
See More Health Insurance Articles
Here are customers' reviews on Niva Bupa Health Recharge, know what they say.
Samiksha Sharma
Gandhinagar
1 days ago
When I was sarching for an ideal maternity health plan, PolicyX insurance agents suggested me Niva Bupa Aspire and I am more than satisfied with its multiple features for women
Raghoba Phadke
Guwahati
April 8, 2024
PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.
Akshat R Verma
Allahabad
April 8, 2024
PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.
Akash Banerjee
Pune
April 8, 2024
The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.
Sarthak Parmal
Delhi
April 8, 2024
I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.
Trishna Rohilla
Bengaluru
April 8, 2024
I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...
Sunaina Khanna
Ahmedabad
April 8, 2024
All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents
Babita Thapa
Allahabad
April 8, 2024
I had some reimbursement claim queries related to the Niva Bupa Aspire policy, the customer support team of PolicyX understood my requirement and they stood by me to get the claim.
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