Niva Bupa health insurance plans

Health Recharge Individual & Family Floater

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Key Highlights of Health Recharge Insurance

Niva Bupa Health Recharge Insurance covers all the family members against emergency medical expenses. It also offers optional coverage for personal accident and critical illness from which the customers can choose from.
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Key features of Health Recharge Insurance

  • Room Rent : Covered upto 1% of Sum Insured upto Single A/c Private Room
  • Co-pay : NIL co-pay for all inpatients
  • Restoration (Refil) Benefit : NIL Restoration Benefit

Niva Bupa Health Insurance review

Niva Bupa Health Insurance
Niva Bupa Health Insurance sum insured
2 lacs − 300 lacs options available
Incurred Claims Ratio *
54.00%
Niva Bupa Health Insurance tenure options
1 year
Claims Settlement Ratio **
85.96%
List of network hospitals
6,900+ hospitals
Number of policies issued *
696,107
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
54,33,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Health Recharge Family Floater Benefits

Base Sum Insured (SI) per Policy Year e - Saver
uper Top - Up
2 Lacs / 3 Lacs / 4 Lacs 5 lacs 2 Lacs / 3 Lacs / 4 Lacs 5 Lacs / 7.5 Lacs / 10 Lacs / 15 Lacs / 25 Lacs
Annual Aggregate Deductible* 10,000 / 25,000 / 50,000 1 Lac to 10 Lacs (In multiple of 1 Lac only)
In-patient Treatment Covered up to Sum Insured
Room Rent Up to 1% of Base Sum Insured per day Single private room; up to Sum Insured Up to 1% of Base Sum Insured per day Single private room; up to Sum Insured
*Pre-Hospitalisation Medical Expenses (60 days) Covered up to Sum Insured
*Post-Hospitalisation Medical Expenses (90 days) Covered up to Sum Insured
Day Care Treatment Covered up to Sum Insured
Domiciliary Treatment Covered up to Sum Insured
Alternative Treatment Covered up to Sum Insured
Living Organ Donor Transplant Covered up to Sum Insured
Emergency Ambulance Up to Rs.1,500 per hospitalisation
e - Consultation Unlimited tele / online consultations
Pharmacy and Diagnostic Services Available through our empaneled service provider
Loyalty Additions Increase of 5% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of Base Sum Insured; no increase in sub-limits
Optional benefits(On payment of additional premium)
Personal Accident Cover Personal Accident cover will be equal to 5 times of Base Sum Insured; subject to maximum of 50 Lacs
Critical Illness Cover Critical Illness cover will be equal to Base Sum Insured; subject to maximum of 10 Lacs
Modifi cation in Room Rent Not Applicable Single private room;covered up to Sum Insured Not Applicable

Niva Bupa Health Insurance FAQ's

The hospital may ask you for a security deposit as part of its internal policy. However, this may vary from hospital to hospital and the deposit may be refunded as per hospital guidelines.

For your grievances, please write to the General Manager and grievance redressal officer at grievanceredressal@maxbupa.com

An unrecognised hospital or health facility refers to establishments who aren’t recognised by the relevant authorities in India or any other country where the treatment takes place. We have listed them on our website, and they can also be found on the policy document claims for treatment at hospitals which are not covered. Un-recognised hospitals can be seen on our website by visiting www.maxbupa.com and clicking on hospital network followed by clicking on List of Un-recognised hospitals.

The following KYC documents are required from the insured person/proposer in cases of reimbursement-
  • If claim amount is below 1 lakh- Photo Id proof & address proof
  • If claim amount is above 1 lakh- Photo Id proof, address proof and a recent photograph

Brochure

Review Health Recharge Individual & Family Floater brochure to understand coverage details.


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Proposal form

Fill the online Health Recharge Individual & Family Floater proposal form.


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Policy wordings

Review Health Recharge Individual & Family Floater policy wordings which explains the terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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