Niva Bupa Health Recharge
Niva Bupa
6.8/10
OneAssure Rating
6.8/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
No restrictions on room rent for both normal and ICU stays, ensuring policyholders receive the best possible care without worrying about additional hospitalization costs.
Cutting-Edge Advanced Treatments Coverage
Covers robotic surgeries, immunotherapy, stereotactic radio surgeries, stem cell therapy, and more, ensuring access to the latest medical advancements for critical illnesses.
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Our 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 the Plan
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.
About the Plan
Product Stats
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Features of the Product
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 injection
- Intra 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 Days
- Specific 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.
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.
Costs for procedures to correct vision, such as LASIK, unless specified otherwise.
Expenses for treatments or procedures that are experimental or not scientifically recognized.
Costs related to contraception, sterilization, and infertility treatments.
Expenses related to pregnancy, childbirth, and related complications, unless specified otherwise.
Costs for circumcision unless medically necessary due to illness or injury.
Treatment costs arising from war, civil unrest, or natural disasters.
Expenses for treatment of external congenital anomalies present from birth.
Costs incurred for treatments by unrecognized medical practitioners or in unregistered hospitals.
Exclusions
Personal Accident Option - Personal Accident Addon provides personal accident coverage to the primary insured adult. It offers a lump-sum payout in case of accidental death or permanent total disability as per the policy terms.
Critical Illness Option - Pays lump sum on diagnosis of specified critical illnesses.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 strong financial performance and market confidence.
About the Company
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