How does the waiting period affect my coverage?

The Niva Bupa Health Recharge Policy imposes a 30-day initial waiting period, a 24-month waiting period for specific diseases, and a 36-month waiting period for pre-existing conditions before coverage begins.

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made during a policy year, the Niva Bupa Health Recharge Policy offers a 5% increase in the base sum insured as a loyalty addition, up to a maximum of 50%.

Will my health insurance cover treatment abroad?

The Niva Bupa Health Recharge Policy does not provide coverage for treatments abroad; its benefits are limited to medical expenses incurred within India.

Does Niva Bupa Health Recharge include coverage for daycare procedures?

Yes, the Niva Bupa Health Recharge plan includes coverage for all daycare procedures up to the sum insured. This ensures that treatments not requiring 24-hour hospitalization are covered under the policy.

OneAssure

Health Insurance

Niva Bupa

Health Recharge

Niva Bupa Health Recharge

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02%

Claim Settlement Ratio

10000+

Network Hospitals

6.8

Customer Rating

Brochure

Policy Wording

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92.02%

Claim Settlement Ratio

10000+

Network Hospitals

6.8

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

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Final Verdict

Niva Bupa Health Recharge suits individuals and families needing high coverage with no room rent cap and loyalty benefits. Though premium varies, its add-ons and lifetime renewability enhance long-term financial security.

About

About Niva Bupa Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)  Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy- Monoclonal Antibody to be given as injectionIntra vitreal injections g. Robotic surgeries Stereotactic radio surgeries Bronchial Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Waiting Period

Initial Waiting Period- 30 DaysSpecific Diseases - 24 Months Pre-Existing Diseases- 36 Months

Cashless Healthcare Providers

10,000+ Healthcare Providers in India.

Daycare Treatment

Covered up to Sum Insured.

AYUSH Treatment

Treatments taken under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems are covered under the policy.

Room Rent

Normal: No Limit ICU: No Limit Covered up to Sum Insured

Co-payment

No co-payment.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)  Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy- Monoclonal Antibody to be given as injectionIntra vitreal injections g. Robotic surgeries Stereotactic radio surgeries Bronchial Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Waiting Period

Initial Waiting Period- 30 DaysSpecific Diseases - 24 Months Pre-Existing Diseases- 36 Months

Cashless Healthcare Providers

10,000+ Healthcare Providers in India.

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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.
Treatment costs for injuries resulting from participation in hazardous or adventure sports activities.
Expenses arising from any condition caused by or related to the insured person’s involvement in unlawful activities.
Treatments received from healthcare providers not recognized by the policy.

Add ons

Add-Ons

Personal Accident Option

Critical Illness Option

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About the company

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...

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...