The Niva Bupa Health Recharge Plan is a comprehensive super top-up health insurance policy that provides extensive coverage and financial protection against unexpected medical expenses. This plan is ideal for individuals and families seeking affordable, comprehensive health insurance solutions. Niva Bupa Health Recharge policy offers a range of benefits, including high-sum insured options, cashless hospitalization, coverage for critical illnesses, and more. It also comes with a range of optional add-ons to enhance the coverage.
Highlights of Niva Bupa Health Recharge Insurance Policy
Below are the specifications of the Niva Bupa Health Recharge Insurance Policy from Niva Bupa Health Insurance:
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Entry Age
For Adults: 18 Years to 65 years For Child: 91 days to 24 years
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Renewability
Lifelong
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Policy Type
Top-up Plans for Individual and Family
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Sum Insured
INR 2 Lakh, INR 3 Lakh, INR 5 Lakh, INR 7.5 Lakh, INR 10 Lakh, INR 15 Lakh, INR 25 Lakh, INR 40 Lakh, INR 45 Lakh, INR 65 Lakh, INR 70 Lakh, INR 90 Lakh, INR 95 Lakh
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Policy Term
1, 2, 3 Years
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Pre-medical Test
Not Needed
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Waiting Period for Pre-Existing Disease
48 months
Eligibilities to buy Niva Bupa Health Recharge Insurance Policy
Below is the eligibility of the Niva Bupa Health Recharge Insurance Plan:
- Individual
- Family Floater
Entry Age: 18 Years to 65 Years
Entry Age: 18 Years to 65 Years
Policy Term: 1,2,3 Years
Child: 91 Days to 24 Years
Coverage Benefits Offered Under Niva Bupa Health Recharge Super Top-up Plan
Niva Bupa Health Recharge Super Top-up Plan is designed to provide individuals and families with additional financial protection against high medical expenses. Here are the detailed coverage benefits offered under this plan:
- 2L
- 3L/ 4L
- 5L/7.5L/10L/15L/25L/40L/ 45L/65L/70L/90L/95L
Room Rent
Up to 1% of SI
Up to 1% of SI
Available up to the Single Private AC Room
ICU Charges
Up to the Sum Insured
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 90 Days
Domiciliary Hospitalization
Covered up to the Sum Insured
Daycare Treatments
Covered up to the Sum Insured
Covid-19 Treatment
Covered
Automatic Restoration
Unlimited
Organ Donor
Covered up to SI
AYUSH Treatment
Covered up to SI
Modern Treatment
Covered up to SI
Ambulance Cover
Covered up to INR 1.5K
E-consultation
Unlimited tele / online consultations
Health Checkup
Available
HIV / AIDS
Covered up to SI
Artificial Life Maintenance
Covered up to SI
Sub-Limit
Applicable
Mental Order Treatment
Covered up to SI
E-consultation
Unlimited e-consultation
Second Medical Opinion
Once in a policy year
Coverage after Waiting Period
Given below are the coverage benefits offered under the Niva Bupa Health Recharge Super Top-up Insurance policy after a certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Initial Waiting Period | 30 Days |
| Pre-Existing Diseases | 36 Months |
| Specific Diseases | 24 Months |
Niva Bupa Health Recharge Insurance Plan Exclusion
Below is the list of diseases and conditions not covered under the Niva Bupa Health Recharge Plan:
- Investigation & Evaluation
- OPD treatment
- Unproven Treatments
- Unrecognized Physician or Hospital
- Breach of the law
- Conflict & Disaster
- Excluded Providers
- Hazardous or Adventure sports
- Change-of-Gender treatments
- Hormone Replacement Therapy
- Cosmetic or plastic Surgery
- Sleep disorders
- Treatment for alcoholism
- Drug or substance abuse or any addictive condition
- Dental/oral treatment
- Sterility and Infertility
- Maternity Expenses
- Circumcision
- External Congenital Anomaly
- Sexually transmitted Infections & diseases(STIs & STDs)
- Intentional self-inflicted Injury or attempted suicide
Niva Bupa Health Recharge Super Top-up Health Plan Additional Benefits
The Niva Bupa Health Recharge Super Top-up Health Plan is designed to provide an extra layer of financial protection beyond your base health insurance policy. This plan offers additional benefits to enhance your healthcare experience and provide comprehensive coverage. Here are the key additional benefits provided under this plan:
Personal Accident Cover
You can get coverage of 5 times the base sum insured, up to a maximum of 1 crore against the mishaps mentioned below, by adding this add-on cover:
- Accidental Death
- Permanent & Total Disability
- Permanent Partial Disability
- Temporary Total Disability.
Critical Illness Cover
Policyholders will get coverage if diagnosed with any of the 20 critical illnesses for the first time.
Room Type Modification
This add-on rider will provide you with an option of room rent modification, in which you can modify the room rent limit at your convenience. The table below will show the room rent limit for the same
| Sum Insured (INR) | 2L/ 3L/ 4L | 5L/7.5L/10L/15L/25L/40L/ 45L/65L/70L/90L/95L |
|---|---|---|
| Room Rent Limit | Single Private AC Room, Covered Up to Sum Insured | Not Applicable |
Pharmacy and Diagnostic Center
Policyholders can get discounts on pharmacy and diagnostics services from empanelled service providers.
Annual Aggregate Deductible
This add-on provides various annual aggregate deductible options, ranging from INR 10K to 10 Lakh. Below are the total annual aggregate deductibles available under this plan:
- E-saver: 10k, 25k, 50k
- Super Top-up: 1L to 10L in multiples of 1L
Loyalty Addition Benefits
Policyholders will receive loyalty benefits if they renew the Niva Bupa Health Recharge policy for the second year. The company will provide loyalty addition in the form of a cumulative bonus by increasing the sum insured by 5% up to a maximum of 50% of the basic sum insured. This benefit applies only to the base sum insured up to INR 25 Lakh.
Modern Treatment
The following modern procedures and treatments are covered up to the limit as specified in the table below:
- Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
- Balloon Sinuplasty
- Deep Brain stimulation
- Oral chemotherapy
- Immunotherapy
- Intra vitreal injections
- Robotic surgeries
- Stereotactic radio surgeries
- BronchicalThermoplasty
- Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
- IONM - (Intra Operative Neuro Monitoring)
- Stem cell therapy
Sub-limit:
| Conditions | Sub-Limit |
|---|---|
| Deep-Brain Stimulation | INR 5 Lakh |
| Immunotherapy | INR 5 Lakh |
| Intra Vitreal Injections | INR 5 Lakh |
| Robotic Surgeries | INR 2.5 Lakh |
| Stereotactic Radio Surgeries | INR 3.5 Lakh |
| BronchicalThermoplasty | INR 2 Lakh |
| Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) | INR 2 Lakh |
