With a vision to become Indias most admired Health Insurance Company, Max Bupa Health Insurance Company Ltd came into being in 2010. It is a joint venture between True North, a leading Indian private equity firm, and the UK’s 70-year-old healthcare services expert, Bupa. While on the one hand, Bupa brings its vast and varied experience, on the other hand, True North adds the insights and understanding of the Indian healthcare market and its capability of transforming business. Together, they strive to make Niva Bupa one of the best medical insurance companies in the country

Highlights For

Niva Bupa Health Recharge

Cataract Treatment

Ayush Treatment

Commulative Bonus

Day Care

product highlights for Niva Bupa Health Recharge



Pre-Hospitalisation : 60 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 90 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : Pre-existing diseases covered after 36 months of renewal.

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 30 days

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 24 months

Listed specific illness

Waiting Period- PED : 3 years

No pre-existing ailment related claims are accepted within this period.

Room Rent : Single private room; up to Sum Insured

Room rent for in-patient hospitalisation

ICU Charges : Upto Sum Insured

Charges for ICU hospitalisation

Co pay : No

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : No

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : No

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : Increase of 5% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of Base Sum Insured; no increase in sub-limits (This benefit is applicable only for Base Sum Insured up to Rs. 25 Lac)

% of the sum insured that rises every claim free year.

Video/telephone consultation : Unlimited e-consultation within our network.

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : Upto Sum Insured

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : Up to Rs.1,500 per hospitalization

Transportation of the patient to the hospital and back home

Convalescence benefit : No

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : Upto Sum Insured

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : No

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Upto Sum Insured

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Upto Sum Insured

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : No

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : Upto Upto Sum Insured(sub-limit applicable on few conditions)

All advanced treatment with upgrade in technology.

Health Management/ Wellness : No

Benefits provided for staying fit and managing health

Maternity Benefit : No

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.