Niva Bupa Health Recharge

Eligibility Criteria of Niva Bupa Health Recharge

Before you decide to buy this super top up plan, it's important to know the eligibility criteria that helps you figure out if the plan is the best fit for you and your family. Here are the eligibility criteria:

1. Policy Type – It can be purchased either as an individual policy or on a family floater basis. 
2. Family Coverage - A family floater policy may cover the policyholder, spouse and dependent children. A maximum of six members can be included in one policy, of whom up to four can be dependent children.
3. Entry Age - Adults between 18 and 65 years of age can enter the policy. Dependent children can be covered from the age of 91 days up to 25 years.
4. Sum Insured Options - The Niva Bupa Health Recharge Plan offers sum insured options ranging from ₹5 lakh to ₹95 lakh, allowing customers to choose additional coverage according to their healthcare needs.

Features of Niva Bupa Health Recharge

The Niva Bupa Health Recharge Plan offers several valuable features as part of its standard coverage. Since these benefits are built into the plan, you do not have to pay an additional premium to access them. Here are the key features of this Plan:

·         In-Patient Hospitalisation - The plan covers in-patient hospitalisation expenses up to the sum insured. This includes nursing expenses, doctor fees, diagnostic test etc. The plan also covers medicines, ICU charges all are covered up to the sum insured.

·         Single Private Room Coverage - For sum insured options of ₹5 lakh and above, the insured person is eligible for a single private room.

·         Pre & Post Hospitalisation Expenses - Medical expenses incurred for up to 60 days before hospitalisation and 90 days after discharge are covered up to the sum insured.

·         Annual Aggregate Deductible - For the ₹5 lakh sum insured option under E-Saver, deductible choices include ₹10,000, ₹25,000 and ₹50,000. Under the Super Top-up option, deductibles are available from ₹1 lakh to ₹10 lakh in multiples.

·         Day-Care Treatment - The plan covers day-care treatments up to the sum insured. These are medical procedures or surgeries that do not require a traditional 24-hour hospital stay.

·         Domiciliary Treatment - Domiciliary treatment is covered up to the sum insured when an insured person take necessary treatment at home.

·         Alternative Treatment - Admissible expenses related to alternative treatment are covered up to the sum insured, subject to the definitions, conditions and exclusions mentioned in the policy.

·         Organ Donor Expenses - Organ donor transplant are covered up to the sum insured under this plan. The coverage is subject to the transplant meeting the conditions specified under the policy.

·         Emergency Ambulance Cover - Emergency ambulance expenses are covered for up to ₹1,500 per hospitalization. This benefit applies to ambulance transportation in medical emergency.

·         Unlimited e-Consultations - Policyholders can avail unlimited telephonic or online medical consultations under the e-Consultation benefit.

·         Mental Disorder Treatment - Expenses for the treatment of mental disorders are covered up to the sum insured. However, specific sub-limits may apply to certain conditions or treatments.

·         HIV and AIDS Treatment - Expenses arising from HIV or AIDS are covered up to the sum insured, subject to the applicable policy conditions, waiting periods and exclusions.

·         Modern Treatments - The Niva Bupa Health Recharge Plan covers modern treatments up to the sum insured. Certain modern treatment procedures may have sub-limits, so the limits should be checked before undergoing treatment.

Optional Benefit of Niva Bupa Health Recharge

Niva Bupa Health Recharge offers several optional riders that allow customers to customise their health insurance coverage according to their medical needs, lifestyle and budget. These riders are available at an additional premium and may vary depending on the selected plan variant. Check the Optional benefit available under this plan as follows:

1. Personal Accident Cover – With this rider Customers can select a coverage amount of ₹1 lakh, ₹2 lakh or between ₹5 lakh and ₹50 lakh in multiples of ₹5 lakh. This rider can be chosen for the primary insured member or their spouse.
2. Critical Illness Cover - With this critical illness rider the available coverage ranges from ₹1 lakh to ₹10 lakh in multiples of ₹1 lakh. 
3. Modification in Room Rent - This optional benefit upgrades the insured member’s room eligibility to a single private room, with admissible expenses covered up to the sum insured. However, it is available only when the selected sum insured is up to ₹4 lakh. Therefore, the Room Rent Modification benefit is not applicable to sum insured options of ₹5 lakh and above.

Waiting Period of Niva Bupa Health Recharge Plan

Like other health insurance plans, this super top up also has waiting period means you have to wait to be active your policy completely. Here are the waiting period of this plan: 

1. Initial Waiting Period - Medical expenses arising from an illness during the first 30 days of the policy are not covered. However, this waiting period does not apply to admissible claims resulting from an accident.

2. Pre-Existing Disease Waiting Period - Treatment expenses related to pre-existing diseases like hypertension, diabetes etc. and their complications are covered only after 36 months of continuous coverage.

3. Specific Disease Waiting Period - A waiting period of 24 months applies to slow growing disease and surgeries. These include cataract, kidney stones, hernia, piles, fibroids, prostate disorders, joint and spinal conditions, chronic kidney disease,

Exclusions of Niva Bupa Health Recharge

The following are the Niva Bupa Health Recharge exclusions that customers should understand before purchasing the policy.

1. Maternity and Reproductive Treatments - Expenses related to childbirth, caesarean delivery, miscarriage and pregnancy, surrogacy are also excluded.

2. Cosmetic and Lifestyle Treatments - Cosmetic or plastic surgery is excluded unless medically necessary following an accident, burn or cancer. Gender-change procedures are also not covered.

3. Dental and Vision Treatments - Dental treatments are excluded unless required during hospitalisation following an accident. Treatment for refractive errors below 7.5 dioptres are not covered.

4. Hazardous Activities - Treatment arising from alcohol, drug or substance abuse is excluded. Claims resulting from professional adventure sports, racing, deep-sea diving, mountaineering, skydiving and similar hazardous activities are also not payable.

5. Other Major Exclusions - The policy does not cover OPD treatment, treatment received outside India, unproven or experimental procedures, non-prescribed dietary supplements, treatment at spas or nature-cure centres, and home-use medical equipment such as walkers, crutches and stockings.

6. War & Nuclear - Claims arising from war, nuclear or radiological events are excluded. Treatment received from an unrecognised hospital, medical practitioner may also not be covered.