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Niva Bupa Health Recharge Plan

Niva Bupa Health Recharge Plan is the most suitable plan covering medical expenses and securing you and your family in case of personal accidents and critical illness. This plan offers high coverage at affordable premium rates and the freedom to customise your health plan per your risks.

Key features and benefits

  • Cashless hospitalisation facility

    The policy ensures that you and your family need not worry about finances during medical emergencies,. This policy offers cashless treatment approval in the hospital within 30 minutes without third party (TPA) involvement.

  • Pre- and post-hospitalisation cover

    You will also get the pre-hospitalisation and post-hospitalisation cover in this plan. The Niva Bupa Health Recharge Plan covers all the expenses during the 60 days before hospitalisation and 90 days after discharge.

  • Domiciliary cover

    If you are not hospitalised, and all your treatments are done at home, all those expenses are also covered in this plan. Some individuals prefer getting treated at home rather than at a hospital. On the other hand, some doctors also advise staying at home for the treatment.

  • Coverage for mental illness treatment

    Expenses incurred for in-patient treatment for mental illness are covered under the policy, subject to a sub-limit for specific conditions specified in the policy contract.

  • Organ transplant cover

    If you are going through any organ transplantation surgery, the donor's expenses and the surgery expenses are covered in this plan up to the sum assured.

  • Hospital rooms cover

    The plan covers the cost of a single private room's rent up to the sum assured.

  • Emergency ambulance cover

    The policy covers ambulance expenses needed to transfer the insured individual following an emergency to the nearest hospital. These expenses are paid up to Rs. 1,500 per hospitalisation only if the insurer has accepted the in-patient claim.

  • E-consultation

    Suppose the insured person is diagnosed with an illness or is planning to undergo a planned surgery or a surgical procedure. In that case, the insured person can obtain an e-consultation during the policy period.

  • Add-on benefits of the Niva Bupa Health Recharge Plan

    There are some add-on benefits of the policy that you can add at the time of the inception of the policy. You can customise your plan by adding the following benefits:

  • Personal accident cover

    The plan gives a personal accident cover to the insured.
    • Accident death
    • Accident permanent total disability
    • Accident permanent partial disability

  • Critical illness cover

    If you are diagnosed with any critical illness like cancer, kidney failure, and many more, all are covered under this plan from Rs. 1 lakh to Rs. 10 lakh.

Policy details

Niva Bupa Health Recharge Plan
Insurer name Niva Bupa Health Insurance Company Limited
Policy type Individual/family floater
Entry age Minimum entry age: 18 Years
Maximum entry age: 65 Years
Renewal Lifetime renewable
Policy term One, two and three years
Sum insured Up to Rs. 95 lakh
Starting premium (including all taxes) Rs. 2,607
SDeductibleS Starts from Rs. 1 lakh

For more detailed information click here

How to purchase the policy?

To purchase the policy, follow these steps:

  • To apply for the product, click on 'Apply Now' and fill in the necessary details
  • Make the fee payment online using your preferred mode of payment
  • Fill in your name and mobile number
  • Complete the process by clicking on 'Buy Now'. You can also request a callback.
To purchase the policy, follow these steps:

List of documents required for purchasing the policy

Here are the mandatory documents required while purchasing the policy:

  • Photograph of the applicant
  • Age proof, such as birth certificate, Voter’s ID, PAN card, passport, etc.
  • Identity proof, such as passport, Aadhaar card, PAN card, Voter’s ID, etc.
  • Income proof, such as Form 16, salary slips, employment certificate, etc.
  • Address proof, such as telephone bill, electricity bill, passport, bank statement, Voter’s ID, etc.
  • Medical test that the insurer requires you to undergo

How to process the claims?

Cashless claims

With the Niva Bupa Health Recharge Plan, you can avail the benefit of cashless treatment at one of 5000+ network hospitals by following the process below:

  • Get admitted to any one of the Niva Bupa network hospitals.
  • Use your Niva Bupa Health Card or share your policy number with the concerned team at a hospital along with your Passport/PAN card/Voter's ID as identification proof.
  • Now, the network hospital will validate your identity and submit the pre-authorisation request to the insurer.
  • After validation, the insurer will review and provide their confirmation to the network hospital by fax and e-mail. The insurer ensures you are also notified of the same through text message and e-mail. The insurer will respond to your request within 30 minutes of filing the claim request.
  • The only activity left to do now is the final settlement of your claim (per policy terms and conditions) with the hospital after completing all the necessary formalities.

Reimbursement claim

  • If you get hospitalised, notify the insurer within 48 hours of admission to a network or non-network hospital. After getting admitted, pay the amount directly to the hospital you are in.
  • After you are discharged from the hospital, make sure you have all the relevant documents, invoices, medical reports, and the discharge certificate with you. The insurer would need the originals of all the mentioned documents to process your reimbursement.
  • Send all the documents to the insurer along with the filled and signed claim form. Send your valid ID proof and age proof as well.
  • After receiving your documents, the insurer will review your claim request and accordingly give their approval, raise a query, or reject the same (per policy terms and conditions).
  • Finally, the insurer will settle the claim (per policy terms and conditions) and reimburse the approved amount.

Documents required for reimbursing claims

Collect the relevant documents mentioned below in original from the hospital and submit them to the insurer within 15 days of discharge from the hospital.

  • Original investigation reports
  • Final hospital discharge summary, FIR or post-mortem report (if any)
  • Pharmacy bills along with the prescription
  • Cancelled cheque or NEFT details for payment
  • Original bills, receipts, and discharge reports
  • Indoor case papers and duly filled claim form
  • Original hospital bills, valid photo ID proof, and treating doctor's report
  • Original consultation notes, nature of operation performed, and surgeon's bill and receipt
  • Test reports along with attending doctor’s or surgeon’s report

Major policy exclusions

  1. Ailment-wise capping and ambulance charges
  2. Ailments requiring treatment due to use or abuse of any substance, drug or alcohol, and treatment for de-addiction
  3. Breach of law with criminal intent or intentional self-injury
  4. Circumcision, unless required for the treatment of illness or accidental bodily injury
  5. Dental treatments and cosmetic surgeries
  6. Hearing aids, spectacles or contact lenses, including optometric therapy.
  7. Abuse or the consequences of the abuse of intoxicants or hallucinogenic substances
  8. Miscarriage, abortion, C-section deliveries, and sexually transmitted diseases such as AIDS and HIV

Note: Refer to the policy document to know more about exclusions in detail.

Claim/ assistance contact details

BFL helpline number: 08698010101

Niva Bupa helpline number:  1860-500-1000

E-mail: wecare@bajajfinserv.in

Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.

*For claim related issues, please refer to your policy document or certificate of insurance (COI).

Disclaimer

Bajaj Finance Limited ('BFL') is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Co. Ltd, ACKO General Insurance Co. Ltd., Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, and ManipalCigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.

Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability and viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility, and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under Niva Bupa Health Recharge Plan (Product UIN: NBHHLIP22156V03212). Please refer to the insurer's website for policy wordings. For more details on risk factors, terms and conditions, and exclusions, please read the product sales brochure carefully before concluding a sale.

Tax benefits applicable, if any, will be per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide tax/ investment advisory services. Please consult your advisors before proceeding to purchase an insurance product.

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