
Niva Bupa Health Recharge Super Top Up Policy And Plan
Niva Bupa Health Insurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features

Unlimited Room Rent
No limit on room rent for both normal and ICU stays, allowing policyholders to choose their preferred hospital accommodation without financial constraints.

Advanced Medical Treatments
Covers cutting-edge treatments like robotic surgeries, immunotherapy, deep brain stimulation, and stem cell therapy, ensuring access to the latest medical advancements without additional costs.
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Our 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 the 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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
Advanced Treatments
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
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
Day Care Treatments
Requiring hospitalization for less than 24 hours are included in the policy coverage, up to the sum insured.
AYUSH Treatment
Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.
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.
Infertility and assisted reproductive treatments.
OPD expenses unless covered under add-ons.
Exclusions
Enhanced Coverage Boost - Increases the sum insured for additional financial security.
No-Claim Bonus - Rewards policyholders with extra coverage for claim-free years.
Worldwide Treatment Access - Covers medical expenses for treatments abroad.
OPD Expense Cover - Reimburses outpatient consultation and diagnostic costs.
Maternity Benefits Add-on - Provides coverage for maternity and newborn expenses.
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.