Niva Bupa Health Recharge Health Insurance

Niva Bupa Health Recharge Plan is a safety net for you and your loved ones. During medical emergencies, this health insurance plan will ensure that you get the best treatment and healthcare facilities. Individuals can buy this health plan in two variants: individual or family floater insurance plans. With this plan, you will get the option to choose a wider sum insured and extensive coverage including daycare treatment, domicilliary hospitalisation, AYUSH treatment, and a lot more.

Niva Bupa Health Recharge Health Insurance Plan At a Glance

About Niva Bupa Health Recharge Plan

Niva Bupa Health Recharge Plan is a comprehensive health insurance policy that provides economical coverage to its policyholders. The plan offers coverage for two adults and four children under a single health plan. Additionally, policyholders can enhance the coverage of their plan by opting for riders like critical illness coverage, personal accident coverage, and others. You may have to pay an additional premium to buy these add-ons with your base health insurance policy. Read on to find out features, benefits, inclusions, exclusions, and more details on the Health Recharge Plan.

Key Features of Niva Bupa Health Recharge Plan

The key features of the Niva Bupa Health Recharge insurance plan are highlighted below:

• Comprehensive Plan: It is a comprehensive health insurance plan available on an individual and family floater basis. You can cover up to six family members under the plan.
• Sum Insured: You can get health insurance coverage up to Rs. 95 lakhs. This means that the plan provides a higher sum insured so that you can enjoy greater coverage.
• Free Look-up Period: A free-look-up period is available when you can return your policy if you are dissatisfied with its terms and conditions.
• Discounts: The Niva Bupa Health Recharge plan also provides discounts such as renewal discounts. Additionally, you can also enjoy a cumulative bonus for claim-free policy years.
• Add-ons: Enhance the coverage of your health plan by including various add-ons and get an extensive health insurance coverage.

Eligibility Criteria For Niva Bupa Health Recharge Plan

The table below highlights the eligibility criteria to buy the Health Recharge Niva Bupa Plan:

Benefits of Niva Bupa Health Recharge Plan

Niva Bupa Health Recharge Plan offers several benefits to its policyholders. Some of the reasons to buy this comprehensive health insurance plan are listed below:

• Online Medical Consultations: A Health Recharge insurance plan is a good option to purchase as it provides free teleconsultations to its policyholders. In case of minor health emergencies such as colds, you can avail of this feature provided by Niva Bupa Health Insurance.
• Economical Diagnosis: Diagnostic tests and scans can cost heavily. However, the Health Recharge Niva Bupa Plan will help you get an affordable diagnosis by providing discounts. This benefit is applicable only if you get the diagnosis at the network hospital of an insurance company.
• Alternative Treatments: In some medical conditions, natural therapies prove to be the most powerful cures. Therefore, Health Recharge plan policyholders get coverage for other treatment methods, such as Ayurvedic, Unani, Siddha, and Homeopathic treatment.
• Loyalty Benefits: The policyholders can get loyalty addition benefits for a maximum of up to 50%. Niva Bupa Health Insurance will credit 5% of the sum insured every year.
• Tax Benefits: Under Section 80D of the Income Tax Act, 1961, the policyholders can claim tax deductions for their Niva Bupa Health Recharge Plan.

Inclusions And Exclusions For Niva Bupa Health Recharge Plan

The Niva Bupa Health Recharge Plan comes with certain inclusions and exclusions. It is a must to know about all the expenses that are covered and not covered under the policy at the time of purchase. Here’s a detailed list of all inclusions and exclusions for the Niva Bupa Health Recharge Plan:

Inclusions For Health Recharge Plan

• Day-care treatment
• Domiciliary hospitalization
• Organ transplantation coverage
• Emergency ambulance
• AYUSH treatment
• Pre-hospitalization charges
• Post-hospitalization charges

Exclusions For Health Recharge Plan

• Injuries happened due to criminal activities
• HIV/AIDS or any relatable disease
• Obesity treatment or weight-loss surgery
• Cosmetic surgery
• Mental disorder
• Dental treatment
• Self-inflicted injuries

Riders For Niva Bupa Health Recharge Plan

Niva Bupa Health Insurance provides numerous add-on benefits to its policyholders. You can buy any of the following riders with your base Health Recharge Insurance Plan to enhance its coverage:

• Personal Accident Cover: With this rider benefit, the policyholders can ensure additional coverage for themselves in case of personal accidents.
• Critical Illness Cover: You can avail of coverage for critical illnesses like cancer, kidney failure, and others depending on the basic sum assured.

Process To Buy Niva Bupa Health Recharge Plan

Niva Bupa Health Insurance provides various purchasing methods to its customers. You can either buy the Health Recharge Plan online or by visiting the nearest branch office of an insurance company. Here’s a detailed guide on how to buy this health insurance plan.

Documents Required To Buy Health Recharge Plan

• Income proof
• Identity proof
• Bank details
• Nominee information
• Recent medical reports
• Policy form
• Address proof

Steps You Should Follow To Buy Health Recharge Plan

The following are the different ways in which you can buy the Niva Bupa Health Recharge Plan:

Online Way

• Visit the official website of Niva Bupa Insurance.
• Click on the “Health Insurance” tab.
• Select Health Recharge Plan from the health plans listed on the website.
• Provide all the necessary details like gender, age, sum assured, and more.
• Submit the required documents.
• Make a premium payment online to complete the purchase.
• Once the process is complete, the Niva Bupa Health Recharge policy document will be shared with your registered email-id.

Offline Way

Individuals who want to buy health insurance plans offline can either contact the sales team or visit the branch office of Niva Bupa Health Insurance. You can locate the nearby branch office on the official website of the company.

Process To Claim Niva Bupa Health Recharge Plan

The claim settlement process of Niva Bupa Health Insurance is smooth and hassle-free. The company provides a 30-minute cashless claim settlement service to its customers. Find out a step-by-step guide on how to claim Niva Bupa Health Recharge Plan in the section below.

Documents Required To Claim Health Recharge Plan

• Duly filled and signed original copy of the claim form
• Valid photo-id proof
• Post-mortem report, if happened
• Referral letter by medical practitioner advising hospitalization
• Medical prescriptions and bills
• Discharge card received from the hospital
• Diagnostic test reports
• FIR in case of accidental hospitalization

Steps You Should Follow To Claim Health Recharge Plan

Niva Bupa Health Insurance provides two claim settlement options to its policyholders. Here’s a detailed guide on steps that you need to take in each of the claim settlement processes:

For Cashless Claims

• Get hospitalized at the network hospital of an insurance provider.
• Inform Niva Bupa Health Insurance about your hospitalization.
• Download the pre-authorization claim form.
• Duly fill and sign the pre-authorization claim form.
• Attach all the necessary documents and submit them to a health insurance company.
• The insurer will verify all the documents that you submit.
• Once the verification process is complete, the company will process or reject your claim.

To avoid claim rejections, ensure that you provide the correct information, renew your policy timely, and don’t make claims for exclusions under Niva Bupa Health Recharge Plan.

For Reimbursement Claims

• Get treatment at any hospital.
• Inform Niva Bupa Health Insurance about the hospitalization.
• Pay medical bills and other treatment expenses from your own pocket.
• Download the claim application form.
• Duly fill out and attach all the necessary documents to the form.
• Submit the application form to your health insurance provider.
• The insurer will assess your claim request and will verify the information submitted by you.
• The insurer will settle your claim if got satisfied with the information provided by you.