Niva Bupa Health Insurance Super Top-up Plans

Types of Niva Bupa Health Insurance Top-Up Plans

Niva Bupa offers two types of additional insurance plans:

Health Recharge
This plan covers more than the normal insurance. It pays for daycare treatments and hospital stays without a limit on room rent, up to the total amount insured, which can be as high as Rs 95 lakh. The coverage starts from Rs 2 lakh and can include 2 adults and 4 children in a family. The yearly cost starts at Rs 3762.
Money Saver
This plan covers hospital stays up to a total insured amount of Rs 1 crore. It also includes yearly health check-ups and gives a daily hospital cash benefit of up to Rs 2000. Coverage starts from Rs 10.5 lakh. It can also include 2 adults and 4 children, with premiums starting at Rs 8181 per year.

The inclusions and exclusions of this policy are as follows:

Pays for hospital stays where you are admitted overnight (inpatient hospitalization).
Covers treatments that can be done in a few hours without staying in the hospital (daycare treatments).
Take care of costs before and after your hospital stay (pre- and post-hospital expenses).
Covers the cost if you get treatment at home instead of in a hospital (domiciliary hospitalization).
Pays for emergency ambulance services to take you to the hospital.
Covers expenses for organ transplants.

It doesn’t pay for treatments linked to dangerous activities or accidents from risky hobbies.
Costs for circumcision are not included.
Doesn’t cover behavioral, developmental, or nerve-related mental illnesses.
No cover for artificial life support if not medically necessary.
Does not include costs caused by war, disasters, or conflicts.
Extra charges at the hospital that aren’t directly related to your treatment (ancillary hospital charges).