
Niva Bupa Health Recharge Plan
Niva Bupa Health Insurance
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
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
Covered up to Sum Insured
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.
Co-payment
20% of co-payment is covered.
Waiting Periods
Initial Waiting Period- 30 Days
Specific Diseases - 24 Months
Pre-Existing Diseases- 36 Months
Cashless Healthcare Providers
10,000+ Healthcare Providers in India.
Day Care Treatments
Covered up to Sum Insured.
AYUSH Treatment
Treatments taken under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems are covered under the policy.
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 Cover - Provides financial protection against accidental death or disability.
Critical Illness Cover - Offers coverage for specified critical illnesses.
Room Rent Modification - Upgrade to a single private room; applicable for deductibles over ₹50,000.
Add-ons
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About the Company
Niva Bupa Health Insurance, formerly known as Max Bupa Health Insurance, is a prominent health insurance provider in India. It is a joint venture between Bupa, a UK-based healthcare services expert, and True North, an Indian private equity firm. The company offers a diverse range of health insurance plans tailored to meet the varying needs of individuals and families. Their policies are designed to provide comprehensive coverage, ensuring financial protection against unforeseen medical expenses.
One of their notable offerings is the ReAssure 2.0 Health Insurance Policy, which covers a wide array of medical expenses, including hospitalization, surgeries, doctor consultations, and post-hospitalization care. With a network of over 10,000 trusted healthcare providers across India, Niva Bupa ensures that policyholders have access to quality medical care when needed. Their commitment to customer satisfaction is evident through streamlined claim processes and wellness benefits, aiming to deliver peace of mind and financial security during medical emergencies.
In June 2024, Niva Bupa announced plans to raise $360 million through an initial public offering (IPO), potentially valuing the company at up to $2.5 billion.
This move underscores their growth trajectory and commitment to expanding their services in the Indian health insurance market.
Krishnan Ramachandran serves as the Managing Director and CEO of Niva Bupa Health Insurance Company Limited. With over 24 years of experience in the health insurance, healthcare, and life sciences industries, Mr. Ramachandran has previously held leadership positions at Apollo Munich Health Insurance Company Limited and Apollo DKV Insurance Company Ltd.