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

(160 Reviews)
Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      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

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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 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
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      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
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

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