Niva Bupa Health Recharge Super Top Up Plan
92.02
Claim Settlement Ratio
10000
Network Hospitals
7
Customer Rating
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Get a Quote
92.02
Claim Settlement Ratio
10000
Network Hospitals
7
Customer Rating
Our Verdict
Expert Review: Niva Bupa Health Insurance
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Final Verdict
About
About Niva Bupa Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of Niva Bupa Insurance Company Limited
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
Coverage Options
Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.
Maternity Cover
Not Available
Claim Settlement Ratio
92.02%
Claim Settlement Ratio
92.02%
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.
Congenital diseases and genetic disorders.
Non-allopathic treatments except AYUSH coverage.
Experimental or unproven medical procedures.
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About the company
About the company
FAQs
Frequently Asked Questions
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