Health Insurance 2151 views July 2, 2020

As we can see that the health problems are increasing day by day so it is better to take a health insurance plan. The health insurance plans usually help to meet the financial burden that may arise due to health problems. One such plan is the Niva Bupa Health Recharge Plan that not only covers the health risks of the insured but also of his family members. You have the choice to choose the amount of the sum assured as per your risk. This health insurance plan allows you to cover a maximum of up to 2 adults and four children and it is available at an affordable premium. Let’s explore all the key features of this insurance plan.

Health Insurance

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Key Features of Health Recharge Plan

  1. In-Patient Treatment is covered up to the amount of the sum assured.
  2. Rs.2 Lacs is the minimum amount of the sum assured.
  3. Rs.95 Lacs is the maximum amount of the sum assured.
  4. The amount of premium starts from Rs.3762 per annum.
  5. Get Loyalty Additions of 5% of the sum assured every year.
  6. You can save tax under section 80D of the Income Tax Act 1961.
  7. All the reimbursement of the expenses is done offline.

Benefits of the Health Recharge Plan

There are some amazing benefits of this plan that would help you once you face any kind of health issue. You can take a look at the benefits of this health plan.

Hospitalization Cover

All the insured members in this policy will get the hospitalization cover which means the company will reimburse the expenses incurred during hospitalization. It will cover all the hospitalization expenses done for the treatment of the insured.

Medical Expenses Cover Pre and Post Hospitalization

You will also get the Pre-hospitalization and Post-hospitalization cover in this plan. All the expenses are done in 60 days before hospitalizing and 90 days after discharge are covered in the Health Recharge Plan.

Medical Expenses at Home Cover

If in case you are not hospitalized and all your treatments are done at home then all those expenses are also covered in this plan. There are some individuals who prefer their treatment to be done at home rather than in a hospital. On the other hand, some doctors also advise staying at home for the treatment. So these expenses are also covered in this plan.

Organ Transplant Cover

If you are going through any organ transplantation surgery then the donor’s expenses and the surgery expenses are covered in the Niva Bupa Health Recharge Plan.

Hospital Rooms Cover

In this benefit, the company will cover the single private room’s rent of the hospital and there is no upper limit of the room’s rent. If the amount of the Sum Assured is Rs.5 Lacs and above then whatever will be the room’s rent, the company will compensate for it.

Ambulance Cover

The Ambulance charges are also covered in this health insurance plan of up to Rs.1500 per hospitalization. The company will reimburse the ambulance expenses once your in-patient claim is accepted by the company.

AYUSH Treatment Cover

You will also get a cover for the in-patient treatment under the AYUSH treatment. AYUSH stands for Ayurveda, Unani, Siddha, and Homeopathy treatments, and maximum cover would be up to the maximum amount of the Sum Assured.

Free Look Period

The company will give you a free-look period of 15 days after buying the health insurance plan. If you don’t find this plan suitable for you then you are free to return the policy within 15 days from the date of inception of the policy.

Add-on Benefits of Niva Bupa Health Recharge Plan

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

Personal Accident Cover

You can add this cover to the plan in which you will get reimbursement if you met with an accident. You can secure your family with the Sum of Money given to you in this benefit. This cover is for the personal accident of the insured.

Critical Illness Cover

If you add this cover in the plan then all your critical illness will be covered. It simply means that if you are diagnosed with any kind of critical illness then the company will give you the sum assured. The critical illnesses that are covered are cancer, kidney failure, and many more.

Annual Aggregate Deductible

There are various options available for the annual aggregate deductibles in this plan and they start from Rs.10 Thousand to Rs.10 Lacs.

Waiting Period Norms

  1. There is a waiting period of 36 Months in this policy from the date of inception of the policy if you are having a pre-existing disease.
  2. The initial waiting period in this plan is of 30 days unless the treatment is done for an accident.
  3. There is no waiting period for E-Consultation, Critical Illness Cover, and Personal Accident Cover.

Exclusions in this Health Insurance Plan

There are certain health problems that are not covered in the Niva Bupa Health Recharge Plan. So you must go through the exclusions of this plan before taking it.

  1. Ancillary hospital charges
  2. Hazardous activities
  3. Artificial life maintenance
  4. Behavioral, Neurodevelopmental and Neurodegenerative Disorders
  5. Circumcision
  6. Conflict & disaster
  7. External congenital anomaly
  8. Convalescence & rehabilitation
  9. Cosmetic and reconstructive surgery
  10. Dental/oral treatment
  11. Eyesight & optical services
  12. Experimental or unproven treatment
  13. Hospitalization not justified
  14. Inconsistent, irrelevant or incidental diagnostic procedures
  15. Non-medical expenses
  16. Obesity and weight control programs
  17. Off- label drug or treatment
  18. Puberty and menopause-related disorders
  19. Reproductive medicine & other maternity expenses
  20. Robotic-assisted surgery, light amplification by stimulated emission of radiation (LASER) & light-based treatment
  21. Sexually transmitted infections & diseases
  22. Sleep disorders
  23. Substance-related and addictive disorders
  24. Unlawful activity
  25. Treatment received outside India
  26. Unrecognized physician or hospital
  27. Generally, excluded expenses – Any costs or expenses specified in the list of expenses generally excluded.

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