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What Is Special About Health Recharge Policy?

Niva Bupa Health Recharge is a super top-up plan that enhances your and your family’s health insurance cover. Niva Bupa Health Recharge’s deductible acts like a stepney to your health insurance plan. It’s an additional coverage offered to you with a threshold limit. It comes into effect only when your total claim in the same year surpasses the threshold limit This plan has certain sub-limits pertaining to Modern treatments and Mental disorder treatments. For Modern treatment, the following procedures have a sub-limit of Rs 5 lac: Deep Brain stimulation, Immunotherapy- Monoclonal antibody to be given as injection and Intra vitreal injections. For the following procedures, the sub-limit is Rs 2 lac: Bronchial Thermoplasty and Vaporisation of the prostate. Robotic surgeries have a sub-limit of Rs 2.5 lac and Stereotactic radio surgeries have a sub-limit of Rs 3.5 lac, respectively. In all these cases, maximum payout will be the sub-limit specified or the Base sum insured, whichever is lower. Under Mental disorder treatments, following disorders/conditions shall be covered upto 10% of Base sum insured or Rs 50,000, whichever is lower: Severe depression, Schizoprenia, Bipolar disorder, Post-traumatic stress disorder and Generalized anxiety disorder

Features of Niva Bupa Health Recharge Health Insurance Policy

Check the features and coverage of Niva Bupa Health Recharge Health Insurance plan below:

Ambulance Charges

Up to Rs 1,500 per hospitalization

Ayush Treatment

Ayush benefit up to cover amount


No co-pay

Day Care Procedures

All procedures covered. No static list

Treatment At Home

Covered upto SI

Free Health Check-up

Unlimited tele / online consultations

Niva Bupa Health Recharge Plan Resources

Policy Brochure

Exclusions of Niva Bupa Health Recharge Health Insurance Policy

Niva Bupa Health Recharge plan does not cover the following:

Cover restoration

Daily cash allowance

Maternity expenses

New born treatment

Recovery allowance

Ancillary hospital charges

Other Plans From Niva Bupa

Niva Bupa health insurance offers 3 health insurance plans. The premium of these plans starts from Rs. 8056/yr. The sum insured ranges from Rs. 3 Lakh - 1 Cr. Details of the comprehensive coverage provided by the following 3 Niva Bupa health insurance plans are listed below:

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Niva Bupa Claim Settlement Ratio


Niva Bupa


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Niva Bupa has a claim settlement ratio of 91.6%, as compared to the industry average of 94.21%.

Niva Bupa Claim Process

Niva Bupa supports both cashless claims and reimbursement claims. This section covers the information on how to check Niva Bupa health insurance claim status, fill Niva Bupa health insurance claim form, and the claim settlement process.

Cashless claims are a hassle-free way to settle your claims. You can take advantage of a cashless claim only when you seek treatment at a Niva Bupa network hospital.Take a look at the steps you need to follow to ensure a smooth claim.

Step 1: Choose a cashless hospital:
Choose a Niva Bupa cashless hospital for your treatment. You can always choose the hospital at your convenience from the Niva Bupa Hospital list on the company’s website

Step 2: Admission procedure:
On admission, you will have to produce your Health Card at the hospital help desk. In case you do not remember to carry the same or have the Health Card handy, you can always provide the Niva Bupa policy number along with your KYC documents.

Step 3: Pre-authorisation form:
You also need to fill the pre-authorisation form for claim approval which would be sent to the claims department of Niva Bupa from the hospital TPA desk.

Step 4: Cashless treatment:
Once the pre-authorisation is approved by Niva Bupa Health Insurance, your cashless treatment will begin with initial approval

Step 5: Discharge formalities:
At the time of discharge, the hospital would share the final bill along with the line of treatment, discharge summary, original bills and invoices, etc.,to Niva Bupa Health Insurance for final approval. In case additional information is needed, the insurer will share an email with the hospital.

Step 6: Claim settlement:
Once the claims department approves the claim, the bills would be directly settled by the insurer to the hospital. In case of any part of the claim that is not covered, would need to be paid by you such as consumables or deductibles.

If, for some reason, you were not able to seek treatment at a Niva Bupa network hospital, you can always file a reimbursement claim.

Step 1: Hospitalisation:
In case you get admitted to a non-network hospital, you need to inform the Niva Bupa Claims department as a claim “intimation” within a timeframe of 48 hours of the hospitalisation in case of emergency hospitalisation or before 3-5 days for planned treatment.

Step 2: Pay and get the treatment done:
In this case, you would have to pay for the entire treatment on your own.
However, remember to carry all original bills, receipts, prescriptions, discharge summaries specifying the line of treatment, test reports for diagnosis, etc.

Step 3: File a reimbursement claim:
After discharge, you need to file a reimbursement claim with all relevant documents along with your Niva Bupa Health Insurance card, the insured person’s identity and age proof and the policyholder’s bank account details.

Step 4: Verification:
Once Niva Bupa Health Insurance receives all your documents, the same will be verified.

Step 5: Claim settlement:
Thereafter, you will be reimbursed for the hospitalisation expenses, as per your Niva Bupa health plan. Typically, you would be reimbursed within 7 days of submission.

Niva Bupa Health Insurance Renewal Process

Online Renewal Process of Niva Bupa Health Insurance

After a 1 year validity of a health insurance policy, there is a need for renewal of the policy to avoid the lapse for the policyholder and to continue enjoying accumulated benefits.

Below are the steps to renew Niva Bupa Health insurance policy online:

Step 1: Visit the official website of Niva Bupa Health Insurance or use their mobile app. Enter your 14-digit policy number to initiate the renewal process.

Step 2: Provide your date of birth or enter the DoB of any insured family member associated with the Niva Bupa Health policy.

Step 3: Verify your policy by entering the One Time Password to access and review your policy details.

Step 4: Submit the information provided to calculate your annual health insurance premium.

Step 5: Now click on the pay button and make the requisite payment through your debit/credit card/net banking.

Step 6: Upon successful payment, you will receive a policy transaction number along with a link to complete the application form. Please note that your policy will be issued only after you have filled out the complete application form.

Offline Renewal Process of Niva Bupa Health Insurance

Niva Bupa Health Insurance Renewal can also be done offline by visiting the nearest Niva Bupa branch office or reaching out to a Niva Bupa customer care executive to initiate your Niva Bupa Health policy renewal.

Renewal of your Niva Bupa health insurance policy can also be done through Turtlemint. Turtlemint allows you an easy online process to renew your existing plan. To renew, visit Turtlemint’s home page www.turtlemint.com or download the Turtlemint App here.

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