Niva Bupa Health Insurance Top Up Plans

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Budgeting for medical expenses can be tricky. If you need to get health insurance coverage, consider top up health insurance renewal for those unforeseen events. In some cases, your base health insurance coverage may be insufficient to meet your healthcare needs. This is where Niva Bupa health insurance top up plans coverage comes in. The company offers affordable and comprehensive top up health insurance coverage that helps you manage your spending. 

Niva Bupa health insurance provides a diverse choice of health insurance products to meet the needs of individuals. It offers cheap health insurance policies to individuals, households, older persons, mothers, self-employed individuals, as well as kids. Another plus is that Nipa Bupa insurance is known for providing a pleasant experience with health insurance claims. Because no third-party agencies are engaged, the health insurance claims are resolved by the company directly and swiftly.

This page will go over the details of the top up policy of Niva Bupa health insurance

Niva Bupa Health Insurance Top Up Plan Highlights

You should have top up health insurance coverage if your base health insurance doesn't cover everything you need. After a few illnesses or accidents, it can be time to consider top up health insurance. If you exhaust your base health insurance plan because of an illness or accident, you'll gain peace of mind and financial security by taking out a long-term top up plan from Niva Bupa that covers more costs especially if you have expensive treatment.

The plan’s highlights include:

  • No room-rent limit
  • Day care treatments are covered up to amount of sum insured
  • Both family floater and individual sum insured plans are available
  • Family combination includes individuals up to 2 adults and 4 children
  • The sum insured ranges from INR 2 lakhs to 95 lakhs
  • Lifetime renewal is offered
  • 15-day free look period
  • Alternative treatments are covered

Types of Niva Bupa Health Top Up Plans

Niva Bupa health insurance offers the following top up health insurance plan:

Niva Bupa Health Recharge

Sum InsuredINR 2 lakhs –  95 lakhs
Deductible Amount

INR 10,000 – 50,000

INR 1 lakhs – 10 lakhs (for super top up coverage)

Plan TypeIndividual / Family Floater

Niva Bupa Top Up Plans: Key Features and Benefits

The following features of Niva Bupa health top up policy set it apart from other conventional top up health insurance plans in the market:

  • Alternative Treatments

Niva Bupa top up health insurance coverage provides healthcare services, including alternative treatments like Ayurveda and homeopathy, to an insured person. This type of insurance covers the insured person's medical expenses up to the amount of the sum insured in case he/she has to undergo alternative AYUSH treatment other than allopathy.

  • Direct Claim Settlement

Niva Bupa top up health insurance coverage not only provides you with quality healthcare but also provides peace of mind. Since the traditional health insurance industry is known for its high premiums and complicated claims, Niva Bupa offers a better alternative. In simple terms, Niva Bupa top up health insurance is one where upfront claim payments are settled directly between you and the provider instead of the claim going through a third-party agent. This saves both parties time, and money and increases transparency.

  • Free Look Term

The Niva Bupa Top health insurance coverage includes a unique 15-day free look period. You can terminate the plan within this period if you want to and receive the premium refund. During this period, you will not be charged any monthly fee or cancellation fee.

  • Lifelong Renewals

When it comes to healthcare, Niva Bupa is a leader who will be there for you. Their excellent coverage and services make sure that this is true. Their top up health insurance plans offer lifelong renewals, given that each time renewals are done on time.

  • Tax Benefits

Section 80D of the Income Tax Act offers tax deductions to premium-paying policyholders. The tax deduction limit is set to INR 25,000 for individuals who are currently under the age of 60 years. The same limit is brought up to INR 50,000 for senior citizen policyholders who are above the age limit.

Inclusions of the Niva Bupa Health Insurance Top Up Policy

The policy includes the following coverages:

  • In-patient hospitalisation
  • Pre-hospitalisation expenses (60 days)
  • Post-hospitalisation expenses (90 days)
  • Domiciliary hospitalisation
  • Day care treatments
  • Organ donor expenses
  • Alternative treatment expenses
  • e-consultation
  • Emergency ambulance cover
  • Loyalty add-ons
  • Pharmacy & diagnosis services
  • HIV / AIDS
  • Mental disorders therapy
  • Advanced treatments
  • Artificial life maintenance

Optional Coverage

  • Accidental death
  • Permanent total disability due to accident
  • Permanent partial disability due to accident
  • Room rent modification
  • Critical illness cover

Exclusions of the Niva Bupa Health Insurance Top Up Policy

Here are the policy exclusions:

  • Pre-existing disease within their waiting terms
  • Diseases within the initial 30-day waiting term
  • Specified disease within their waiting terms
  • Treatment from unrecognised hospital or physician
  • Abroad treatment
  • Breach of law
  • Substance related or addictive disorders
  • Sleep disorders
  • Sexually transmitted infections and diseases
  • Robotic assisted surgery, LASER and light-based treatment
  • Reproductive medicine and other maternity expenses
  • Puberty and/or menopause related problems
  • Off- label treatment or drug
  • Obesity treatments
  • Non-medical expenses
  • Incidental, inconsistent, or irrelevant diagnostic procedures
  • Unjustified hospitalisation
  • Unproven or experimental treatments
  • Eyesight and optical services
  • Dental treatment
  • Reconstructive and cosmetic surgery
  • Convalescence and rehabilitation
  • External congenital anomaly
  • Conflict and disaster
  • Circumcision
  • Neurodegenerative, behavioural, and neurodevelopmental disorders
  • Hazardous activities
  • Ancillary hospital charges
  • Artificial life maintenance over the policy-specified limit

Eligibility Criteria

Both individual and family floater variants are offered under Niva Bupa top up plans.

How to Buy Niva Bupa Health Top Up Policy?

Here is how you can purchase a Niva Bupa health insurance top up plan from Paytm Insurance:

  1. Go to Paytm Insurance.
  2. Select ‘health insurance’.
  3. From the drop-down list, click on ‘Niva Bupa’.
  4. Fill in the short questionnaire and submit it.
  5. Enter your local pin code and current age.
  6. You will be forwarded to a new page with all available health insurance plans.
  7. Compare and contrast the plan and purchase the one which you need online via Paytm Insurance.

Things to Consider When Buying Niva Bupa Health Insurance Top Up Plans

Here are a couple of pointers you need to keep in mind when you top up Niva Bupa health insurance:

  • Sum Insured

The sum insured relates to the amount of coverage you will receive from the insurance plan. Generally, the higher this number is, the better coverage you will get. However, it should be noted that a higher sum insured is accompanied by a higher deductible amount. The sum insured for this plan ranges from INR 2 lakhs to 95 lakhs.

  • Deductible Amount

This is the minimum amount you have to pay for the policy coverage to kick in. The deductible amount for this plan is INR 10,000 – 50,000 INR for top up coverage and 1 lakh – 10 lakhs for super top up coverage. The deductible amount can both be self-funded or deducted from an existing health insurance plan.

  • Optional Coverage

The policy offers the following optional coverage options:

  • Accidental death
  • Permanent total disability due to accident
  • Permanent partial disability due to accident
  • Room rent modification
  • Critical illness cover

All these options are important. It is important to go through them and decide if they are required during the policy term or not. 

  • Family Plan

The policy is set to cover a family of up to 2 adults and 2 children. If you are looking for an affordable and comprehensive health insurance plan for your household, this might be a good choice. 

Niva Bupa Health Insurance Top Up Plans FAQs

  • 1. Are pre-acceptance medical tests necessary for the Niva Bupa health insurance top up plans?

    Yes. Pre-acceptance medical tests are necessary for the Niva Bupa health insurance top up plans.

  • 2. Can I get tax benefits from the Niva Bupa health insurance top up plans?

    Yes. You can get tax benefits under Section 80D of the Income Tax Act by paying premiums for this health insurance policy.

  • 3. What is the highest amount of sum insured available for me?

    The highest amount of sum insured you can receive from Niva Bupa health insurance top up plans is INR 95 lakhs.

  • 4. What is the lowest deductible amount allowed under the super top up policy?

    The lowest deductible amount you can set is INR 10,000 for top up coverage and INR 1 lakhs for Niva Bupa health insurance super top up plan coverage.

  • 5. Does this plan cover critical illness?

    Yes. Critical illness coverage is provided as an optional coverage option to policyholders. 

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