Niva Bupa Health Insurance Top-up & Super Top-up Plans

A regular health insurance policy covers the insured up to a specific limit. But if a particular treatment requires hospitalisation, the expenses of which exceed the sum insured amount, then a top-up policy or a super top-up policy come to the scene. Both top-up policies and super top-up policies offer high insurance coverage over and above the threshold limit and come at affordable premiums. But there is a little difference in their work. A top-up policy allows the insured to make a single claim above the deductible limit, whereas a top-up policy allows him/her to make multiple claims, and the cumulative of bills are taken into consideration once it exceeds the deductibles. Also, in top-up policy, the deductible is paid on every claim, but in super top-up policy, it is paid once during a policy year.

Niva Bupa Health Insurance offers both top-up policy as well as super top-up policies to its customers. Explained below are the features and benefits of both of them.

Niva Bupa Health Insurance Policy reimburses the insured expenses beyond the coverage of the base health insurance policy. Find the plan details explained below:   Key Benefits of Money Saver Top-Up Policy  Money Saver Policy can be purchased on a family floater basis. The policy offers you the following benefits:  Wide range of sum insured options for up to Rs. 1 crore Cover for annual health check-up  Cover for a combination of up to 2 adults and 4 children Add-on benefits namely personal accident cover, critical illness cover, hospital cash cover, etc.  Tax benefits under Section 80D of the Income Tax Act Lifetime renewability benefit Cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, alternative treatments, etc.

The minimum age to be the proposer for this policy is 18 years. The good news is that there is no limit on the maximum age to be covered under this plan.  Waiting Period Under The Plan  The waiting period for Money Saver Top-up Policy has been reduced to 15 days. This means that you can start availing of the policy benefits after 15 days of the policy purchase.  Renewability of The Plan  Money Saver Policy comes with a lifetime renewability benefit.  Exclusions Under the Plan  Money Saver policy comes with the following exclusions:  Expenses incurred due to participation in adventure sports such as paragliding, rock climbing, etc. Expenses arising due to treatment required due to involvement in a riot or any civil disturbance Treatment for behavioural disorders Circumcision Artificial life support