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Max Bupa

Niva Bupa (erstwhile Max Bupa)

Health Recharge Super Top-up

A Super Top Up plan that does what you expect most super top plans to do. It covers most bases, allows you to top up your cover by 95 lakhs and it is one of the most economical options out there.

What's good here?

coPay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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diseaseSublimit

Your insurer won’t pay the full bill for certain diseases

Some modern treatments have limits

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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ayush

Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 100% of the cover in case you’re availing these treatments.

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What's okay here?

roomRent

You can pick a Single Private room but nothing fancy

You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.

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ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

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What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

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ncb

Underwhelming bonus feature

Your sum insured increases by 5% each year irrespective of your claim status in the current year. However, the sum insured keeps increasing as long as the Loyalty benefit sum insured reaches 50% of the sum insured. (Note - This benefit is applicable only for Base Sum Insured up to Rs. 25 Lakhs)

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healthCheckup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

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Frequently Asked Questions

Yes. Health Recharge Super Top-up imposes 4 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Critical Illness Waiting Period: If you are suffering from a critical illness, you can get covered after a waiting period of 90 days.
  • Specific Illness Waiting Period: There's a 2-year waiting period for a list of diseases which is a mandate before you can start claiming. Exclusion - Cancer (Covered after 30 days.)
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
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