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Max Bupa Super Saver Policy vs Super Top Up Mediclaim Policy

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Max Bupa Super Saver Policy vs Super Top Up Mediclaim Policy

Max Bupa Super Saver Policy

Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recharge. When these plans are combined, the premiums get affordable without compromising on any health coverage benefits of the two. You can buy the Niva ...

Super Top Up Mediclaim Policy

National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on floater basis or each member on individual sum insured basis. National Super Top Up Mediclaim Policy provides the customers an option to choose a high s...

PLAN DETAILS

Max Bupa Super Saver Policy


Super Top Up Mediclaim Policy

Premium Including GST
Product Type Individual and Family Health Insurance Top Up and Super Top Up
Key Features
(Key features of the plan)
  • Lifetime renewability
  • Unlimited e-consultations
  • Cover for modern treatments
  • Super Top-up Mediclaim features and benefits
  • Eligibility criteria
  • Modern treatment cover
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 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 Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Covered
Hospital_network
(Number of Hospital Network in city)
10425 3200
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Covered Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Covered Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Covered Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Applicable Not Covered
Plan Entry Age Minimum- 18 Years, Maximum- 65 Years Children: 3 Months to 18 Years, Adult: 18 to 65 years
Plan Premium Entry Age and S/A 9214 1,090
Plan Waiting Period 30 Days 30
Plan Coverage - -
Plan Sample Premium 9214 1,090
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 Year/s 1 year
ICU Charges Covered Covered
Covid-19 Treatment Covered Covered
Cataract Covered Covered
Automatic Restoration Not Covered Not Covered
Ayush Treatment Covered Covered
Modern Treatment Covered Covered
E Consultation Covered Not Covered
Air Ambulance Covered Not Covered
Global Coverage Not Covered Not Covered
Claim Ratio 98 91.31
Solvency Ratio 2.55 0.3
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Know More About Plans

Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recharge. When these plans are combined, the premiums get affordable without compromising on any health coverage benefits of the two. You can buy the Niva Bupa Super Saver health policy for yourself or your family, as it comes in both the categories; individual and family floater plan.

The major benefits of the plan include; in-patient hospitalisation, pre and post-hospitalisation, domiciliary hospitalisation, daycare procedures treatment, emergency ambulance, health check-ups, hospital accommodation, and organ transplant cover. Additionally, you can avail of unlimited consultation, tax benefits, modern treatment, lifelong renewability, alternative treatments, multi-year discounts, and so on.

Apart from this, the Super Saver Niva Bupa health policy has additional criteria for add-on covers, specifications of which are given below:

Add-on covers with Niva Bupa Super Saver policy

  • Personal accidental cover

    Accidental death, accidental permanent total disability, and accidental permanent partial disability are covered.
  • Critical illness cover

    The major categories of critical illnesses are covered such as; cancer, open heart replacement, CABG, stroke, bone marrow/major organ transplant, kidney failure, and so on.
  • Hospital cash benefit

    If you are hospitalised for more than 48 hours in the hospital, the insurer will pay daily hospital cash up to a maximum of 30 days.
  • Room rent modification

    If the base policy implies a room rent capping at the rate of 1%, you have the freedom to optimize it with a single private room and that will be covered up to your policy's sum insured. Given that, you have a policy with a sum insured up to INR 4 Lakhs with an opted deductible of INR 50,000.
  • No-claim bonus enhancement

    If your sum base insured is about to expire, you can enhance the no-claim bonus of running a year policy by 20% for every claim-free policy term, up to 200%.
  • Enhancement of refill benefit

    You can refill the value of your base sum insured by 150% if the sum insured limit is about to expire.

Read further to understand the eligibility criteria for buying a Super Saver policy, the benefits of buying it, specifications and coverage benefits, how to claim and much more.

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

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