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

The following are the advantages of getting a Top-Up Plan of Niva Bupa Health Insurance:[1]

• E-Consultation: With the help of this feature, you can chat or video call a doctor for online advice. It's practical since you can obtain prescription drugs, medical advice, and follow-up appointments without leaving the comforts of your home to go to a clinic or hospital.
• Benefit for Loyalty: You will accrue greater awards the longer you adhere to this health insurance plan. As a thank you for staying a member, you may receive additional coverage options, premium discounts, or other exclusive benefits.
• Pharmacy and Diagnostic Services: The plan assists in defraying some of the costs related to purchasing medications and scheduling diagnostic testing. This benefit lowers your out-of-pocket costs regardless of whether you require advanced diagnostic testing or routine drugs.
• Alternative Therapy: The plan also covers non-traditional therapies including homeopathy, Ayurveda, Yoga, Naturopathy, Unani, Siddha, or Ayurveda. It offers you the freedom to select the kind of care that works best for you.
• Emergency Ambulance: Should a medical emergency arise, the plan will pay for an ambulance to transport you to the closest hospital as soon as possible. This guarantees that you won't have to worry about paying for the emergency care you require.
• Lifetime Renewability: With this option, your health insurance plan can be renewed annually for the duration of your life. You may feel secure knowing that your insurance will continue to cover you, no matter how old you are or how many claims you have filed in the past.

Certain conditions could apply for a Top-Up, depending on the insurer and the chosen health plans. However, Niva Bupa Health Insurance offers a top-up to those between the ages of 18 and 65 years. One benefit of this plan is that the client is exempt from pre-medical check-ups and pre-screening. Additionally, Niva Bupa Health plans allow lifetime renewals for its Top-Up plan members.

To be eligible for the family floater plan, the child's age must be between 91 days and 25 years old.[1]

Top-Up and Super Top-Up plans are the two kinds of top-up plans that are offered.

Once the deductible is paid, the Top-Up Plan only pays for one claim each insurance year during a hospital stay. On the other hand, if the deductible is satisfied, a Super Top-Up Plan pays numerous claims over the insurance year.

Niva Bupa Health Insurance customers can choose from super top-up options like the Niva Bupa Health Recharge.[2]

Niva Bupa Super Top-Up Plan

Some of the inclusions and exclusions of the Niva Bupa Health Recharge are as follows:[1]

Check for the following things when purchasing a Top-Up Plan:[1]

• Enough Benefit: When choosing a top-up plan, it's important to analyse whether the advantages will be adequate to satisfy the needs of the consumer. If you are not satisfied with an insurer's plan, there is no use in paying the premium. Before creating the finest plan for you, it's critical to ascertain your needs. Make sure the top-up plan addresses all of your needs and worries.
• Deductible: The most crucial consideration when buying a top-up plan is the deductible, as it must be satisfied before the plan becomes Niva Bupa. The majority of customers only consider top-up insurance when they discover that a greater deductible lowers the rate. Nonetheless, the client's basic policy, their medical demands, or their financial limitations must all be taken into consideration when selecting a deductible.
• Coverage: Each plan's coverage is influenced by some factors. If customers have questions about anything other than the age restriction on individual and family floater policies, they can purchase a senior citizen plan, an individual plan if they are single, and a family floater plan if they are married. A customer's needs and medical situation may have an impact on the plan they choose.
• Pre-Existing Disease Coverage: In the absence of assistance, pre-existing conditions can be highly costly and may not always be paid for by base insurance. With a top-up, that assistance is yours. On the other hand, pre-existing disease coverage requires renewal or has a waiting time.
• Sub-Limits: Consumers benefit more from lower sub-limits. Some plan sub-limits, including co-payments, lodging costs, medical fees, etc., could be expensive for an individual to pay with cash. It's important to comprehend both the plan and its sub-limits before purchasing one. At all times, top-up plans with restricted sub-limits should be taken into account.

Offline Process: Speak with an InsuranceDekho specialist to obtain a Niva Bupa Health Recharge Plan. To make things easier for customers, InsuranceDekho offers in-house assistance, in which a consultant comes to their home to go over the plan and process.

To extend your Top-Up plan, follow the guidelines provided below:[3]

Step 1: Visit the InsuranceDekho website.

Step 2: Select the "Support" menu item.

Step 3: Enter your cell phone number to get an OTP.

Step 4: To visit your Niva Bupa Super Top-Up page and log in, enter the OTP that you received.

Step 5: Choose "renew" to initiate the process of renewal.

Step 6: Finish the renewal procedure and send in the last payment.

Note: The official Niva Bupa Health website also offers the option to renew the top-up plan.

Use the following channels to connect with an InsuranceDekho expert:[4]

24X7 Support Email: support@insurancedekho.com

Helpline number: 7551196989

Ques 1. Which is preferable, super-top-up or top-up?

Ans. The premium for a top-up plan is smaller than that of a super top-up plan. But the super top-up plan offers more coverage than the top-up plan does. Thus, the selection of the best plan may depend on the needs of the consumer.

Ques 2. How long does it take to get into a super top-up plan?

Ans: A policyholder may start coverage under a super top-up plan following a 30-day waiting period.

Ques 3. Why do top-up plans cost less?

Ans. Top-up plans are less expensive because the deductible is applied to each claim the policyholder submits.

Ques 4. Is it possible to get a super top-up without a basic policy?

Ans. It is possible to purchase a super top-up without basic insurance. However, having basic health insurance is preferable because it pays the full sum up until the deductible is satisfied. Until your super top-up policy's deductible is reached, you will be liable for the whole amount if you don't have base insurance.

Ques 5. What does a top-up plan's deductible mean?

Ans. The amount you have to pay for medical bills, either out of pocket or through your basic coverage, is known as your deductible. The top-up plan's coverage for Niva Bupa doesn't start until the deductible is paid.

Ques 6. What distinguishes a top-up plan from a basic plan?

Ans: Up to the covered amount, the insurer pays claims under basic insurance. When a policyholder with top-up insurance reaches a cap or the deductible amount, they are eligible for additional coverage.

Ques 7. When will a super top-up plan be available for purchase?

Ans. The plan is available as a family floater insurance or as an individual policy. In a family floater, non-policyholder relatives can be any age between 91 days and 65 years; in an individual insurance policy, that range is 18 to 65 years.

Ques 8. Would you kindly provide us with a massive top-up?

Ans. A super top-up plan is indeed portable. Nevertheless, insurance can only be transferred between policies of the same type and classification.

Ques 9. What drawbacks may a top-up plan have?

Ans. The inability to cover routine health check-ups, the complexity of claim settlement compared to a standard policy, and the possibility of financial hardship for those without base insurance are some drawbacks of a super top-up plan.

Ques 10. Do top-up and super top-up plans come in distinct packages?

Ans. If one of your policies has a low deductible, you can purchase both top-up and super top-up plans to help you obtain coverage on a claim.

[1]https://www.nivabupa.com/family-health-insurance-plans/health-recharge-family-floater.html

[2]https://transactions.nivabupa.com/pages/doc/brochure/Health_Recharge_SS.pdf

[3]https://www.insurancedekho.com/health-insurance

[4]https://www.insurancedekho.com/contact-us