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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.
| PLAN DETAILS |
Max Bupa Health Recharge Plan |
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Premium Personal Guard |
| Product Type | Top Up and Super Top Up | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Applicable |
| Plan Entry Age | 91 days to 65 years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 3762 | 1300 |
| Plan Waiting Period | 90 days | No |
| Plan Coverage | - | Accidental death cover, Permanent disability cover, Partial disability cover, Temporary disability cover, Hospital expenses cover |
| Plan Sample Premium | 3762 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 2 years | 1 Year |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 94.4 | 99.23 |
| Solvency Ratio | 3.03 | 3.25 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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