Niva Bupa (Formerly known as Max Bupa) Health Recharge Plan

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Niva Bupa (Formerly known as Max Bupa) Health Recharge Plan

      If you are looking for an extensive cover at an affordable price, then Niva Bupa (Formerly known as Max Bupa) Health Recharge plan can be an ideal choice. The policy comes with both individual and floater basis, where you can opt for riders such as Personal Accident or Critical Illness Cover. Let’s look at the policy in detail:ac

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      Why Do You Need Niva Bupa (Formerly known as Max Bupa) Health Recharge Plan?

      The policy is tailor-made for Individual and family

      • Comprehensive cover up to Rs.25 lakh
      • Lifetime renewability
      • Smart Top-up options for additional coverage
      • Personal Accident and Critical Illness add-on option to opt for
      • Cashless treatments in network hospitals across the country
      • Cumulative bonus for not claiming the insurance
      • Free-look period to return the policy if you find it insufficient to meet your requirements
      • Tax benefit on premium paid under Section 80D of the Income Tax Act
      • The policy comes with lifetime renewability

      Key Features of Niva Bupa (Formerly known as Max Bupa) Health Recharge Policy

      The key features of this policy include:

      • No claim bonus of 20% for not claiming the insurance
      • The plan comes with lifelong renewability
      • Non-allopathic treatment cover
      • Option to add top-up plans at an additional cost
      • Add-on options such s critical illness rider and personal accident cover
      • Free-look period to cancel the policy
      • Online buying and renewal of the policy
      • Fast and smooth claim settlement

      Niva Bupa (Formerly known as Max Bupa) Health Recharge Inclusions

      The list of coverage of Niva Bupa (Formerly known as Max Bupa) Health Recharge plan includes:

      In-patient Expense Cover

      Available for hospitalisation related expenses

      Hospital Accommodation

      Hospital accommodation for a private single room with any capping on room rent expenses ()available for SI Rs. 5 lakh)

      Pre and post Hospitalisation Expense

      60 day and 90 days respectively for the treatment availing prior and post hospitalisation

      Day-care Treatment

      available

      Domiciliary Hospitalisation

      available

      Organ Transplant Cover

      In-patient expense cover for the harvesting of the donated organ

      Emergency Ambulance

      Up to Rs. 1500 per hospitalisation

      E-consultation

      the insured can avail E-opinion regarding illness or surgery

      Personal Accident Cover (optional)

      Covers death, permanent total and partial disability. It is an optional cover

      Critical Illness Cover (optional)

      Coverage against critical illnesses such as open heart surgery, kidney failure, CABG, bone marrow transplant etc.

      Pharmacy and Diagnostic Service

      available

      Alternative Treatment Option

      AYUSH Treatment, in-patient cover only, including Ayurveda, Unani, Siddha, Homeopathy etc.

      Modification of Room Rent (optional)

      Option to modify the room option to single occupancy. available for sum insured Rs. 4 lakh

      Annual Aggregate Deductible (Optional)

      Aggregate Deductible options ranging from Rs. 10,000- Rs. 10 lakh are available

      Tax Benefit

      Available under Section 80 D of Income Tax Act

       

      Niva Bupa (Formerly known as Max Bupa) Health Recharge Policy Exclusions

       The policy becomes null and void under the below circumstances:

      • Injury due to hazardous activities
      • Artificial life maintenance
      • AYUSH treatment, except in-patient treatment availing under Ayurveda, Unani, Siddha, Homeopathy etc.
      • Expenses incurred towards congenital illness
      • HIV/AIDS or related diseases
      • Obesity, cosmetic surgery, weight loss treatment
      • Mental disorder, dental treatment
      • Pre-existing illness up to a specific time frame
      • Suicidal attempts, injuries due to war, war-like situation, nuclear weapon etc.
      • Any breach of law or involvement in criminal activities

      Eligibility Criteria to Avail Niva Bupa (Formerly known as Max Bupa) Health Recharge Plan

      Minimum Entry Age

      Dependent child-91 days to 25 years

      Adult- 18 years

      Maximum Entry Age

      65 years

      Policy Tenure

      1, 2 3 years

      Policy Type

      Individual and Floater basis

       

      Niva Bupa (Formerly known as Max Bupa) Recharge Policy Claim Process

      • If you are opting for cashless services, approach a network hospital, take help from the TPA about how to go with the process
      • The process has to be initiated 72 hours before availing the treatment in case of a planned hospitalisation
      • You’ll require to provide ID proof, Niva Bupa (Formerly known as Max Bupa) health card or policy number
      • The documents will be sent for validation along with the pre-authorisation form to the insurer
      • The insurer will convey its decision within 4 hours from receiving the application
      • They may assign a relationship officer to make the cashless hospitalisation easy for you
      • Get admitted, avail the free treatment, sign all the required documents along with the invoices on discharge
      • The insurer will settle the bill as per the terms and conditions of the policy

      Niva Bupa (Formerly known as Max Bupa) Recharge Policy Renewal Process

       Niva Bupa (Formerly known as Max Bupa) health insurance comes with lifetime renewability option. Hence, it ensures lifetime coverage to you. However, you need to renew the policy once the policy tenure completes. You can renew the policy online or offline. While online policy allows you to pay the premiums online and get the renewed policy instantly, to ensure a policy renewal offline, you’ll have to either visit the branch or approach an agent. The agent will help you complete the renewal process, starting from filling the form to submitting the renewal form to the insurer.

      How to Buy Niva Bupa (Formerly known as Max Bupa) Health Recharge Policy?

      You can buy Niva Bupa (Formerly known as Max Bupa) Health Recharge policy in the following ways:

      • Online: bUying policy online is the most convenient yet safest way of buying insurance. While buying online you can even compare the policy as per the offerings, premium, claim settlement ratio of the insurer and finally buy an informed policy. This allows you to pick the right and affordable deal. To buy Niva Bupa (Formerly known as Max Bupa) health insurance online, you can visit the official website of the insurer, select the policy you want, calculate the premium using Niva Bupa (Formerly known as Max Bupa) premium calculator, pay the premiums online and get the policy instantly.
      • On Phone: You can call on their helpline number and get in touch with the customer care executive to get the detail. If you visit the website, you can see an option saying ‘Click to Arrange a Call’. If you choose this option, a call will be scheduled and an executive will contact to further assist you.
      • Visit the Branch: You can visit the nearest branch to buy Niva Bupa (Formerly known as Max Bupa) health recharge policy. The complete list of location can be availed in the policy document or by visiting the official website and navigate through the ‘Contact Us’ section there.

      Let’s lead a healthy and protected life with Niva Bupa (Formerly known as Max Bupa) Health Recharge Plan!

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