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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.

Health Insurance Plans By Niva Bupa

Inclusions and Exclusions of the Niva Bupa health insurance Super Top-up Plan

The inclusions and exclusions of this policy are as follows:

Inclusions

  • 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.

Exclusions

  • 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).

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