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

Name: Niva Bupa Health Insurance
Brand: Niva Bupa
Rating: 4.7394 (188 reviews)

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.

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5 Lac

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Niva Bupa Health Insurance Plan List

Individual (17)
Family (17)
Woman (17)
Blood Pressure (17)
Kids (17)
Thyroid (17)
Diabetes (17)
Parents (15)
Maternity (3)
Heart (7)
Senior Citizen (9)

Reassure Individual/floater plan
Cover
5 Lakh
Cashless Hospital
10059
Starting From ₹ 773/month*
Health Recharge
Cover
10 Lakh
Cashless Hospital
10059
Starting From ₹ 81/month*
Health Pulse
Cover
5 Lakh
Cashless Hospital
10059
Starting From ₹ 678/month*

See More Plans

1. Niva Bupa Money Saver Top-Up Policy

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.

Who Can Buy This Plan?

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

2. Niva Bupa Health Recharge Super Top-Up Policy

Health Recharge Super Top-Up Policy offers supplementary cover in case the normal cover is not sufficient for the policyholder. The policy is an affordable one and offers several coverage benefits to the insured. Key Benefits of Health Recharge Super Top-Up Policy Health Recharge policy can be purchased on a family floater basis and can include family members as per your requirement. It offers the following benefits to the insured: Wide sum insured options ranging Rs. 2 Lakh and Rs. 95 Lakh Health check-up Deductible options between Rs. 1 Lakh and Rs. 10 Lakh in multiples of Rs. 1 Lakh Cover for various healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, ambulance expenses, loyalty benefits, etc. Cover for a combination of up to 2 children and 4 adults Tax benefits on the premium paid for the policy, under Section 80D of the Income Tax Act Add-on benefits like accident death, accident permanent total disability, and accident permanent partial disability

Save Tax upto ₹75000*

Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Niva Bupa Health Insurance Plan List

Name of Plan	Sum Insured
Senior FirstPopular		Check Premium
Niva Bupa Health CompanionPopular		Check Premium
ReAssure 2.0Popular		Check Premium
Health Pulse Policy Min: 91 days; Max: 65 yearsPopular	3 Lakh - 25 Lakh	Check Premium
Health Companion PolicyMin : 91 Days; Max: 65 YearsPopular	3 Lakh - 1 Crore	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular		Check Premium
ReAssure Policy Min : 18 Years; Max: 65 Years	3 Lakh - 1 Crore	Check Premium
CritiCare PolicyMin: 18 years; Max: 65 years	3 Lakh - 2 Crore	Check Premium
Heartbeat PolicyMin: 18 years; Max: No Limit	5 Lakh - 1 Crore	Check Premium
Health PremiaMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
Corona Kavach PolicyMin : 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium

Who Can Buy This Plan?

People aged between 18 years and 65 years are eligible to buy this policy. Waiting Period Under The Plan The policy comes with a waiting period of 30 days after which you can start availing policy benefits. Renewability of The Plan Health Recharge Policy comes with a lifetime renewability benefit. Exclusions Under the Plan Following are the exclusions that the Health Recharge Policy come with: Treatment-related to eyesight and optical services Dental or oral treatment and psychiatric or mental conditions Treatment required due to HIV/AIDS and related illnesses Expenses related to cosmetic surgeries Treatment is required due to behavioral, neurodevelopmental, or neurodegenerative disorders.

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User Reviews

4.7

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188 User reviews

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What users are saying

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Critical Illness

Simple To Understand This Poli...
The Health insurance plans available on the InsuranceDekho website are quite easy to understand. In no time I was able to buy the Niva Bupa Health Insurance Plan and I am very happy. Thank You!
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Niva Bupa
By Ritika Narula
On: Apr 02, 2024
Amazing Policy Coverage Benefi...
My Niva Bupa Health Insurance is an amazing one that covers me for several healthcare expenses. I bought the health policy at InsuranceDekho by following some easy steps online. I like the Niva Bupa health insurance policy benefits and will recommend it to others too. Thank You!
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R
Niva Bupa
By Ravi Krishan
On: Mar 21, 2024
Quick Settlement of Claims
The speed at which InsuranceDekho settles claims is very fast and amazing. When I or my family members needed medical attention in an emergency, the claims for our Niva Bupa Health Insurance Policy were processed promptly, reducing financial stress during an emergency. Thank You InsuranceDekho and their customer care team.
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Niva Bupa
By Sunita Kumari
On: Mar 13, 2024
Coverage For Many Expenses
The Niva Bupa Health Insurance Policy has given me coverage for many healthcare expenses. I recommended InsuranceDekho for its services and best plans to all my knowns. Niva Bupa Health Insurance has multiple types and best plans for everyone. I thank InsuranceDekho for helping me with the Niva Bupa Health Insurance plan.
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S
Niva Bupa
By Shubham Singla
On: Mar 05, 2024
Nice Company
I am thankful to InsuranceDekho. Thank you for suggesting me Niva Bupa Health Insurance. I claimed my Niva Bupa health insurance policy, for which the claim was settled very quickly. The customer support was really helpful throughout my claiming journey. They kept updating me about the status and made sure that my health insurance claim was settled smoothly and quickly. Lovely experience!
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Niva Bupa
By Ajeet Rao
On: Feb 27, 2024