Does Health Recharge increase my cover if I do not make a claim?

The brochure lists Loyalty Additions that increase the expiring Base Sum Insured by 5% per policy year, up to a maximum of 50%. This benefit applies only when the Base Sum Insured is up to ₹25 lakh. Refer to the policy wording for the applicable conditions.

When does Health Recharge start paying a hospitalisation claim?

Health Recharge has a mandatory annual aggregate deductible. The insurer's liability for claims in a policy year begins only after the applicable deductible has been exhausted, subject to policy terms and claim admissibility.

Does Health Recharge cover ambulance charges and post-hospitalisation expenses?

The brochure lists emergency ambulance expenses up to ₹1,500 per hospitalisation, pre-hospitalisation medical expenses for 60 days and post-hospitalisation medical expenses for 90 days. Coverage is subject to the policy's terms, limits and claim-admissibility conditions.

Can I use Health Recharge for cashless hospitalisation?

The brochure does not provide a network hospital count or a complete cashless claim procedure. Check the insurer's current network hospital list and follow the applicable pre-authorisation and claims process.

Are pre-existing diseases covered under Niva Bupa Health Recharge?

The uploaded brochure does not specify the waiting period for pre-existing diseases. Check the full policy wording and your policy schedule for the applicable waiting period, exclusions and conditions before purchasing.

What is the difference between a super top-up plan and regular health insurance?

Health Recharge is a super top-up plan with an annual aggregate deductible. It provides additional protection after eligible expenses reach the selected deductible during the policy year. Review the deductible carefully to understand how it works alongside your existing health insurance.

Can I convert Health Recharge into a regular health insurance policy later?

There is a one-time option to convert the policy into an indemnity policy without a deductible after completing five years. This is subject to conditions, including the conversion window being before the eldest member turns 50 and the applicable policy terms.

OneAssure

Health Insurance

Niva Bupa

Health Recharge

Niva Bupa Health Recharge

Super top-up health insurance for additional financial protection against hospitalisation expenses.

92.02%

Claim Settlement Ratio

10,000+

Network Hospitals

6.5/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: Niva Bupa Health Recharge

Final Verdict

Health Recharge may suit buyers who want to supplement their existing health insurance with a higher level of protection against large hospital bills. The most important factor is the annual aggregate deductible: the policy's payment liability begins only after the deductible has been exhausted. Buyers should therefore assess their existing cover, savings and ability to meet the deductible before choosing a plan. Room-rent rules, waiting periods, sub-limits, exclusions and optional-benefit costs should be confirmed from the full policy wording and schedule.

About

What Is Health Recharge?

The Niva Bupa Health Recharge Plan offers ₹2 lakh to ₹95 lakh coverage for individuals and families. It includes no room rent cap, daycare treatments, AYUSH coverage, ₹1,500 ambulance reimbursement, and unlimited e-consultations. Loyalty benefits increase the sum insured by 5% yearly (up to 50%) for claim-free years. Covers pre/post-hospitalization, domiciliary care, and organ transplants. Features cashless treatment, lifetime renewability, direct claim settlement, and tax benefits. Optional add-ons include Personal Accident Cover and Critical Illness Cover for added financial protection.

Health Recharge Ratings

Health Recharge

Insurer Rating

7.1

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Niva Bupa Health Recharge Inclusions and Exclusions

ICU Charges

Covered up to sum insured with no specific restrictions.

Modern Treatment

Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits.

Cumulative Bonus

Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L).

Consumable Cover

Yes, medicines, drugs and consumables as prescribed by treating practitioner.

Initial Waiting Period

30 days from first policy commencement (no exception for accidents).

Specific Waiting Period

24 months for specified diseases and procedures listed in policy.

PED Waiting Period

36 months continuous coverage from policy inception.

Annual Health Checkup

Not listed as base benefit; health assessment available separately.

Post-Hospitalisation

Up to 90 days after discharge for eligible medical expenses.

Outpatient Department Cover (OPD Expense)

Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access.

Deductible Option

Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available.

Coverage Options

₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L.

Maternity Cover

Excluded under this policy.

AYUSH Treatment

Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI.

Co-payment

Not applicable; annual aggregate deductible is the cost-sharing mechanism.

Pre-Hospitalisation

Up to 60 days before hospitalisation when related claim is admissible.

Claim Settlement Ratio

80%

Room Rent

Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible.

Cashless Healthcare Providers

10,000+ Niva Bupa empanelled network hospitals.

Daycare Treatment

All eligible day-care treatments covered up to sum insured.

Disease-wise sublimits

Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K)

Restoration Benefit

Not available under Health Recharge plan.

Exclusions

Expenses related to diagnostic tests and evaluations not resulting in a positive diagnosis requiring hospitalization.
Costs for rest cures, custodial care, and services for rehabilitation or respite care.
Treatment expenses for obesity and weight control programs, including bariatric surgery.
Costs associated with procedures or treatments to alter the body’s characteristics to those of the opposite sex.
Expenses for cosmetic or aesthetic procedures, unless medically necessary due to injury or illness.

Add ons

Health Recharge Add-Ons and Riders

Personal Accident Option

Critical Illness Option

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About the company

About Niva Bupa

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable.The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects strong financial performance and market confidence.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.