Niva Bupa Health Recharge (Super Top-Up)

Plan details

Every field, in one place

Honesty note: Health Recharge variants differ; field values reflect typical mid-tier variant per public brochure.

Indicative premium

Order-of-magnitude only — NOT a quote

Indicative figures vary by city, family member count, medical loading and policy term. Always confirm on the insurer's premium calculator.

Known exclusions

What this plan typically does NOT cover

• ✕Standard health exclusions
• ✕Maternity unless rider
• ✕Substance abuse
• ✕Cosmetic surgery
• ✕Sleep disorders without diagnosis

Known traps

The fine print that decides claim outcomes

• ▸Aggregate deductible mechanics — confirm whether single hospitalisation or annual aggregate triggers top-up.
• ▸PED waiting 36 months — same as base plans (top-up doesn't reduce PED).
• ▸Cashless at PPN network on some variants.
• ▸Hospital bed-count minimums apply.
• ▸Restoration once per policy year on full SI exhaustion.

How to claim

Cashless vs reimbursement — the steps

1. 1Notify insurer. Within 24 hours of emergency admission or 48-72 hours for planned hospitalisation. Use Niva Bupa's helpline or app — keep the reference number.
2. 2Cashless: Pre-authorisation form filled by hospital, sent to Niva Bupavia the hospital's TPA desk. Approval typically 4-6 hours during business; longer overnight. If your hospital is OUT of network (or PPN-only), you'll be on reimbursement.
3. 3Reimbursement:Pay hospital out-of-pocket, then submit claim form + original bills + discharge summary + investigation reports + KYC. Insurer's IRDAI-mandated turnaround is 30 working days from receipt of complete documents.
4. 4Watch for deductions. Room rent above your eligible category triggers proportionate deduction across the WHOLE bill, not just room rent. Sub-limits on cataract / modern treatment apply even when total SI is far higher.
5. 5If denied: Ask for a written denial citing the exact clause. Internal grievance redressal first, then IRDAI Bima Bharosa or the Insurance Ombudsman.