*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
Who would you like to insure?
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.
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.
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.
There are two different plans offered under Niva Bupa (Formerly known as Max Bupa) health insurance:
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.
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.
Niva Bupa (Formerly known as Max Bupa) health insurance top up and super top up plans come with comprehensive benefits:
The policy covers the insured for the following expenses:
This policy doesn’t cover the following expenses:
For the complete list of exclusions, please refer to the Niva Bupa (Formerly known as Max Bupa) Health Top Up Plan Brochure
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.
Ans: Personal accidents cover is available for both the Health Recharge – Family Health Insurance Plan and the Money Saver – Family Health Insurance Plan. It protects the family against personal accidents.
Ans: Yes, critical illness cover is available for both the Health Recharge – Family Health Insurance Plan and the Money Saver – Family Health Insurance Plan. It protects against illnesses such as kidney failure and cancer, depending on the base sum insured.
Ans: The Health Recharge – Family Health Insurance Plan has annual aggregate deductibles ranging from Rs 10,000 to Rs 10,00,000.
Ans: The Money Saver – Family Health Insurance Plan provides hospital cash in addition to the sum insured and in-patient treatment.