Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) Top-up & Super Top-up Plan

Typically, insurance covers up to a specific limit. However, if the policyholder requires hospitalization or the cost of a particular treatment exceeds the cover, a top up or super top up policy can help to cover the additional expenses.

Read More

Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) Top-up & Super Top-up Plan

*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

Get up to 5% discount*
Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) top up plans are a supplementary cover that work beyond the normal health coverage. Known as Health Recharge and Money Saver Plan, these Niva Bupa (Formerly known as Max Bupa) Health top up and super top up plans reimburse all additional expenses beyond the coverage of the original plan.

    Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) Top Up Plans: Key Highlights 

    Features

    Health Recharge – Family Health Insurance Plan

    Money Saver – Family Health Insurance Plan

    Sum Insured in INR

    2/ 3/ 4/ 5/ 7.5/ 10/ 15/ 25/ 40/ 45/ 65/ 70/ 90/ 95 lakh, in 3 categories

    Up to Rs 1 Crore

    Health Check-up

    Yes

    Annual

    Deductible

    E-saver: 10,000 / 25,000 / 50,000

    Super Top Up: Rs. 1 lakh to Rs.10 lakhs, in the multiples of 1 lakh

    Please check with the provider or consult Niva Bupa (Formerly known as Max Bupa) Health Top Up Plan Brochure for more details.

    In-Patient Care

    Covered up to Sum Insured

    Covered up to Sum Insured

    Pre/Post-Hospitalization

    Covered up to Sum Insured

    Covered up to Sum Insured

    Day Care

    Covered up to Sum Insured

    Covered up to Sum Insured

    Room Category

    Single Private Room:

    Optional for 2 lakh – 4 lakh Covered for 5 lakh – 95 lakh

    No limit on room rent, any type below suite level is permissible

    It is recommended to check Niva Bupa (Formerly known as Max Bupa) Health Top Up Premium Chart and Niva Bupa (Formerly known as Max Bupa) Health Super Top Up Premium Chart for further benefits under additional premiums. The provider has an easy Niva Bupa (Formerly known as Max Bupa) Health Premium Calculator to check the premiums as well for both top up plans.

    Types of Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) Top Up Plans

    There are two different plans offered under Niva Bupa (Formerly known as Max Bupa) health insurance:

    • Health Recharge-Super Top-up
    • Money Saver-Top-up

    Health Recharge

    This is a super top up plan that removes the rent cap and covers daycare treatment. In addition, it also covers in-patient treatment, up to the sum insured value that can go up to Rs 95 lakh. The sum insured begins from 2 lakh. This plan can cover 2 adults and 4 children. Premiums begin from Rs 3762 per annum. One can check Niva Bupa (Formerly known as Max Bupa) Top-up & Super top-up plan premium chart to get the best option.

    Money Saver

    This is a top up plan that provides in-patient care up to Rs 1 crore of the sum insured. It provides annual health check-ups and up to Rs 2000 hospital cash benefit per day. The cover begins from 10.5 lakh. This plan can cover 2 adults and 4 children. Premiums begin from Rs 8181 per annum.

    Key Features & Benefits of the Niva Bupa (Formerly known as Max Bupa) Top-up & Super Top-up Plans

    Niva Bupa (Formerly known as Max Bupa) health insurance top up and super top up plans come with comprehensive benefits:

    • The policy comes with a free-look period of 15 days.
    • Tax benefits under section 80D of Income Tax Act, subject to amendments is available.
    • The cashless facility at all network hospitals across the country is available.
    • Coverage till sum insured for Ayurveda, Unani, Siddha, and Homeopathy is available.
    • The customer service team handles claim settlements directly without a TPA.
    • The plan renews for life irrespective of prior claim history
    • Annual health check-up only with the Money Saver Plan.

    Inclusions of the Niva Bupa Health Insurance (Formerly known as Max Bupa Health Insurance) Top-up & Super Top-up Plans

    The policy covers the insured for the following expenses:

    • In-patient hospitalization expenses
    • Pre- and post-hospital expenses
    • Domiciliary hospitalization
    • Organ transplant expenses
    • Domiciliary expenses
    • Emergency ambulance cover
    • Day care treatment cover

    Exclusions of the Niva Bupa (Formerly known as Max Bupa) Top Up & Super Top Up Plan

    This policy doesn’t cover the following expenses:

    • Ancillary Hospital Charges
    • Hazardous Activities
    • Artificial Life Support
    • Behavioral, Neurodevelopmental and Neurodegenerative Disorders
    • Circumcision
    • Conflict and Disaster

    For the complete list of exclusions, please refer to the Niva Bupa (Formerly known as Max Bupa) Health Top Up Plan Brochure

     Eligibility Criteria

    The Niva Bupa (Formerly known as Max Bupa) health insurance top up policy has certain eligibility conditions as mentioned below:

    Minimum Entry Age

    18 years

    Maximum Entry Age

     

    Renewal Terms

    Life renewal

    Cooling Period

    30 days unless in the case of accidents

    Wait Period for Named Elements

    24 months for some illnesses as mentioned in Niva Bupa (Formerly known as Max Bupa) Health Top Up Plan Brochure

    Cancer: 30 days

    Accident: Covered from the outset

    Pre-existing Disease Waiting Period

    36 Months since inception and continuous renewal

    Sum Insured Modification

    Available on renewal, subject to underwriting

    Grace Period

    30 days from the expiry

    Underwriting

    As per Board underwriting norms

    Discount

    As applicable

    Thus, it is clear that these plans provide significant boosts to an individual's coverage over and above the existing health insurance plan. With Niva Bupa (Formerly known as Max Bupa) top up plans, one can cover hospitalization, daycare, and pre-and post-hospitalization expenses. There are other benefits as well, as listed above.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL