How does the waiting period affect my coverage?

The plan has a 30-day initial wait, 24 months for specific conditions, and 36 months for pre-existing diseases.

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

A no-claim bonus increases the sum insured yearly, enhancing coverage without extra premium costs.

Will my health insurance cover treatment abroad?

The policy covers only India; international treatment requires additional coverage or specific global plans.

OneAssure

Health Insurance

Niva Bupa

Health Recharge Super Top Up Plan

Niva Bupa Health Recharge Super Top Up Plan

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

7

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

92.02%

Claim Settlement Ratio

10000+

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Recharge Super Top Up Plan

Final Verdict

The Niva Bupa Health Recharge Plan offers comprehensive coverage with a high sum insured, no room rent restrictions, and global treatment access. Ideal for those seeking additional coverage alongside existing plans.

About

About Niva Bupa Health Recharge Super Top Up Plan

The Niva Bupa Health Recharge Plan is a super top-up health insurance policy that offers additional financial protection against high medical expenses. With sum insured options ranging from ₹2 lakh to ₹95 lakh, it covers inpatient treatments, daycare procedures, and removes room rent restrictions. The plan activates once medical expenses exceed a predefined deductible, which can align with existing health insurance or employer coverage. It provides enhanced coverage without significantly raising premiums, ensuring comprehensive protection against unexpected medical costs.

The Niva Bupa Health Recharge Plan is a super top-up health insurance policy that offers additional financial protection against high medical expenses. With sum insured options ranging from ₹2 lakh to ₹95 lakh, it covers inpatient treatments, daycare procedures, and removes room rent restrictions. The plan activates once medical expenses exceed a predefined deductible, which can align with existing health insurance or employer coverage. It provides enhanced coverage without significantly raising premiums, ensuring comprehensive protection...

Health Recharge Super Top Up Plan Ratings

Ratings: Niva Bupa Health Recharge Super Top Up Plan

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

Inclusions and Exclusions of Niva Bupa Health Recharge Super Top Up Plan

Disease-wise sublimits

No

Co-payment

Not Available

Restoration Benefit

Not Available

Cumulative Bonus

Your sum insured increases by 5% every year, maximum up to 50%

Consumable Cover

Yes

Room Rent

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

ICU Charges

No restriction on ICU room rent

Initial Waiting Period

30 days.

Specific Waiting Period

2 years

PED Waiting Period

3 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Not Available

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OPD expenses are covered

Deductible Option

Available

Claim Settlement Ratio

92.02%

Coverage Options

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

Claim Settlement Ratio

92.02%

Maternity Cover

Not Available

Disease-wise sublimits

No

Co-payment

Not Available

Restoration Benefit

Not Available

Exclusions

Treatment for pre-existing conditions within the waiting period.
Cosmetic and plastic surgeries unless medically necessary.
Dental treatment unless due to an accident.
Injuries caused by hazardous activities or self-inflicted harm.
Treatment related to drug or alcohol abuse.

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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...

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...

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.