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Recharge Family Floater Insurance

Niva Bupa Recharge Family Floater health Insurance

MaxBupa Health Recharge insurance

Niva Bupa Health Recharge is the best health insurance plan for you, your spouse and children. With this basic plan you can also choose high end coverage for Personal Accident or Critical. You have to compulsorily select a yearly aggregate claim deductible amount. The plan will pay for the expenses only after the deductible amount has been paid the insured.

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Niva Bupa Health Insurance review

Sum Insured
2 lacs - 300 lacs options available

Tenure Options
1 year

Claims Incurred Ratio *
54.00%

Claims Settlement Ratio **
85.96%

List of Network Hospitals
4,500+ hospitals

Number of Policies issued *
696,107

Number of Lives Covered *
54,33,000

Maximum Family Floater Coverage
Self, Spouse + 4 dependent children

* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website

Niva Bupa Recharge Family Floater health insurance, Niva Bupa Health Recharge plan details

Base Sum Insured (SI) per Policy Year	e - Saver		uper Top - Up
	2 Lacs / 3 Lacs / 4 Lacs	5 lacs	2 Lacs / 3 Lacs / 4 Lacs	5 Lacs / 7.5 Lacs / 10 Lacs / 15 Lacs / 25 Lacs
Annual Aggregate Deductible*	10,000 / 25,000 / 50,000	1 Lac to 10 Lacs (In multiple of 1 Lac only)
In-patient Treatment	Covered up to Sum Insured
Room Rent	Up to 1% of Base Sum Insured per day	Single private room; up to Sum Insured	Up to 1% of Base Sum Insured per day	Single private room; up to Sum Insured
*Pre-Hospitalisation Medical Expenses (60 days)	Covered up to Sum Insured
*Post-Hospitalisation Medical Expenses (90 days)	Covered up to Sum Insured
Day Care Treatment	Covered up to Sum Insured
Domiciliary Treatment	Covered up to Sum Insured
Alternative Treatment	Covered up to Sum Insured
Living Organ Donor Transplant	Covered up to Sum Insured
Emergency Ambulance	Up to Rs.1,500 per hospitalisation
e - Consultation	Unlimited tele / online consultations
Pharmacy and Diagnostic Services	Available through our empaneled service provider
Loyalty Additions	Increase of 5% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of Base Sum Insured; no increase in sub-limits
Optional benefits(On payment of additional premium)
Personal Accident Cover	Personal Accident cover will be equal to 5 times of Base Sum Insured; subject to maximum of 50 Lacs
Critical Illness Cover	Critical Illness cover will be equal to Base Sum Insured; subject to maximum of 10 Lacs
Modifi cation in Room Rent	Not Applicable		Single private room;covered up to Sum Insured	Not Applicable