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

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      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.

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      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.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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