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

180 reviews Rate This
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio90.70%
Network Hospitals10,000+
Pre-existing Disease Coverage FromDay 1
Special BenefitsUnlimited restoration
Starting Premium for Rs. 5 lakhs SIRs. 550/month

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Niva Bupa Health Insurance Plan List

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

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.

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.
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 PlanSum Insured
    Senior First Check Premium
    Niva Bupa Health Companion Check Premium
    ReAssure 2.0 Check Premium
    Health Pulse Policy Min: 91 days; Max: 65 years3 Lakh - 25 Lakh Check Premium
    Health Companion PolicyMin : 91 Days; Max: 65 Years3 Lakh - 1 Crore Check Premium
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years Check Premium
    ReAssure Policy Min : 18 Years; Max: 65 Years3 Lakh - 1 Crore Check Premium
    CritiCare PolicyMin: 18 years; Max: 65 years3 Lakh - 2 Crore Check Premium
    Heartbeat PolicyMin: 18 years; Max: No Limit5 Lakh - 1 Crore Check Premium
    Health PremiaMin: 3 Months; Max: 65 Years1 Lakh Check Premium
    Corona Kavach PolicyMin : 1 Day; Max: 65 Years50,000 - 5 lakh Check Premium

    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

    Niva Bupa Health Insurance User Reviews

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    What users are saying
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    • I had a few inquiries during the decision-making process for the Niva Bupa Health Insurance Plan, and the resp...

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      Niva Bupa
      By Ashwani Jaiswal
      On: Nov 22, 2023
    • The variety of health insurance policies on InsuranceDekho is impressive. I appreciated having so many options...

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      Niva Bupa
      By Ujjwal Sarkar
      On: Nov 16, 2023
    • InsuranceDekho's support team is highly responsive. They are always ready to assist and guide me through the p...

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      Niva Bupa
      By Sudhir Palode
      On: Nov 08, 2023
    • The professional advisors at InsuranceDekho provided invaluable insights and recommendations. They made the se...

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      Niva Bupa
      By Deepika Gupta
      On: Nov 07, 2023
    • I trust InsuranceDekho for my health insurance needs. They have consistently delivered quality service, and I ...

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      Niva Bupa
      By Alok Singh
      On: Nov 03, 2023
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    Niva Bupa Health Insurance Contact Details

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    Claim Process at Niva Bupa Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    1904 Niva Bupa Cashless Network Hospitals in India

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