Start Your health Cover
With Niva Bupa Today!
rated by mint for the year 2024
Max Bupa is now Niva Bupa Health Insurance
Claim Promise with Zero Deductions*
By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.Top Up Health Insurance Policy
A top-up health insurance policy acts as an added layer of protection when your base cover falls short. Ideal for rising medical expenses, it boosts your existing coverage at an affordable cost, without the need to buy a whole new plan. Flexible, budget-friendly, and available across age groups, it’s a smart way to stay prepared for high hospital bills.
Network of 10,000+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.5 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.5 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need
30 min
Cashless Claim Processing 1
15 Lakh+
Claims paid since inception 2
1.5 Crore+
Happy customers served till date
Custom Health Insurance Plans designed for You
A plan that rewards you for starting young
Starts from
₹8,6321
Annual Premium
₹5,00,000
Sum Insured
- Lock the age, pay premiums as per entry age till you claim
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Maternity coverage including IVF, Adoption and more
- Use and get back your base coverage. Unlimited times and forever
- Hospitalisations of 2 hours or more covered
Nothing Seems Impossible. The Most Comprehensive health insurance plan.
Starts from
₹7,8212
Annual Premium
₹5,00,000
Sum Insured
- Save as you age. Pay as per entry age, until you claim.
- Use and get back your base coverage. Unlimited times and forever.
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Up to 30% discount on renewal premium basis step count
A Health Insurance Plan that works your way
Starts from
₹4,8043
Annual Premium
₹5,00,000
Sum Insured
- Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
- Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
- Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
- Access unlimited digital consultations with general physicians through our mobile app.
A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.
Starts from
₹11,5714
Annual Premium
₹5,00,000
Sum Insured
- Comprehensive coverage up to ₹3 Cr
- In-built travel insurance coverage for multiple trips in a year
- Modern Treatments coverage
- Maternity (worldwide) and new born baby cover
The Smart Health Insurance Plan with Smart Feature to keep your family protected
Starts from
₹11,7755
Annual Premium
₹5,00,000
Sum Insured
- No Room Rent Capping
- Modern Treatments Covered up to Sum Insured
- Hospitalisations of 2 hours or more covered
- One time refill of Base Sum Insured, even for same illness.
Quick Links
Network Hospital
Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment
Family Health Insurance
Get comprehensive coverage for your entire family under a single health insurance plan.
Claim Settlement Ratio
Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
Premium Calculator
Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:
Hospital Admission:
Get admitted to a Niva Bupa network hospital.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request.
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
All your need to know about Top Up Health Insurance Policy
Health insurance is becoming a need due to the steadily rising costs of healthcare in our nation and the rising incidence of ailments. People can get the much-needed financial support they require from medical insurance in case of medical emergency. Uncertainties and health hazards are a part of life. It is impossible to plan for illness, but it is possible to prepare financially. Purchasing medical insurance is one method to prepare financially for unforeseen health risks.
Top up health insurance policies are regarded as supplemental coverage or additional protection for your current medical insurance, which could otherwise not be enough to pay rising medical costs. Top up health insurance plans are available from a number of general and medical insurance providers at competitive costs. If you are between the ages of 18 and 80, you are eligible to purchase them (this can vary from plan to plan). Deductibles play a significant part in determining your top up medical insurance policy's premium as well. A deductible for a top-up plan is often maintained at the same level as the one for the primary insurance. The base health plan that the policyholder owns is typically referred to as the deductible in the top-up plan. Deductibles lower the cost of top-up plans, which is good news.
Features and Benefits of Top up Health Insurance Policy
Some of the common features of a top up medical insurance policy:
- It is simple to transform top up health insurance plans into fundamental health policies.
- If the parents are covered under the policy, children can also be included.
- The expenditures of hospitalisation, including things like doctor's fees and lodging rent, are neither limited nor capped.
- For each year without a claim, you will receive a cumulative bonus on the amount covered, up to a certain percentage.
- 15 days after the date of policy purchase, you will have a free look period to better understand the terms and conditions of the policy.
- One or two years may be the length of the policy term. It could vary from one insurance to the next.
The benefit of lifetime renewability is provided by top-up health insurance plans.
How to Choose Top up Health Insurance Plan?
Higher deductibles are an option if you want to choose an economic plan. You must keep in mind that there is no overlap in the advantages when purchasing additional coverage. Additionally, since your current health insurance policy may already cover them, exclusions like the daily cash allowance and dental coverage won't make much of a difference. Don't forget to verify the waiting period for pre-existing medical problems, pre- and post-hospitalisation expenses covered, single sickness deductible requirements, maternity coverage, etc. Make sure the plan covers your family, including your parents, spouse, and children. Knowing when you are truly filing a claim might be demoralising at times.
Types of Health Insurance Plans in India
Two different types of top-up plans are provided by insurance firms in India that offer health plans.
Top up Plan
A top up health insurance policy tops off your sum covered up to a predetermined level, providing you with the necessary health plan protection during trying times. When medical costs exceed the deductible threshold, a top up health policy's benefits become available.
Super Top up Plan
Once the threshold amount of medical bills has been reached, a super top-up policy offers further insurance protection. A super top up insurance policy takes many hospitalisations during the policy term into account, whereas a top up insurance policy just takes a threshold limit into account for each claim. If the sickness reappears within 45 days of hospital discharge, it will be treated as a single illness under both plans. However, it will be regarded as a new sickness if it returns after 45 days.
Benefits of Top-up Health Insurance
A top-up health insurance plan protects you from the chance of expensive hospital bills while helping to enhance your basic health plan coverage. Additionally, it lowers your out-of-pocket expenses and enables you to receive high-quality care at the hospital of your choice without having to worry about finding a way to pay for it.
The following are some typical advantages of a top up medical insurance plan:
One of the main advantages of a top up plan is the coverage that is provided over and beyond the standard insurance plan. It helps by giving you a financial safety net in the event that your normal policy's threshold limit is reached, relieving you of the associated financial strain.
Even if your current health plan runs out at the time you register for a claim, you won't have to give up your peace of mind because you'll be able to make multiple claims in a year.
It's crucial to understand that top-up insurance is quite reasonably priced and can provide several benefits. It simply means that you can now benefit from both increased coverage and affordable premiums. Furthermore, those who fall into the senior age category will profit the most from this benefit. Considering that older persons have a higher risk of becoming ill, getting a top-up plan would be a very practical choice.
What is Covered in Top-Up Health Insurance?
The scope of coverage differs across insurance companies. But typically, you can profit from the following advantages:
Compensation for in-patient hospitalisation costs, such as nursing and boarding fees, room rental fees, physician fees, OT fees, oxygen costs, prosthetic device or equipment insertion costs during surgery, blood costs, diagnostic tests, and other comparable costs.
- Pre-hospitalisation costs 60 days before admission to the hospital
- Post-hospitalisation costs must be covered within 90 days of discharge.
- Daycare operations that don't require more than a day in the hospital
Super Top-up Plans Vs Top-up Plans
Both plans offer financial assistance when medical expenses exceed the maximum amount insured. While offering additional financial protection is their main goal, they differ in terms of coverage. In other words, when your claim exceeds the threshold level, a top-up health insurance plan will offer cash assistance for medical expenses. A super top up health plan, on the other hand, will pay for medical costs when one or more claims (within the policy period) add up to more than the threshold level.
| Top-up Plan | Super Top-up Plan | |
|---|---|---|
| Premium | Lower premiums are included under the top-up plan. | Higher premium amount comes under super top-up plan. |
| Working Criteria | The top-up plan works only for one claim during the tenure of the policy. | Super top-up plan supports multiple claims during the policy term. |
| Lapsation | The top-up plan lapse when the amount for the first claim is covered. | Super top up plans lapse when the whole cover is expired or exhausted. |
Frequently Asked Questions
Our Satisfied
Customers
Watch what our customers are saying. REAL STORIES with REAL IMPACT!
Vippan Kapur
It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.
Meenakshi Khanna
Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.
Vijay Kapoor
With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.
Diviay Chadha
Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.
Parveen Singh
The Niva Bupa team was extremely helpful, be it day or night, someone was always available.
Health and Wellness Blogs
Health and Wellness Blogs
Download the
Niva Bupa App Today
12L+
Downloads
52K+
Reviews
Make your Health Insurance accessible on the go. Download the Niva Bupa Health App today
Catch the latest highlights, updates, and moments from our social media world – all in one place!
www.nivabupa.com
+91 11 41743397
1860-500-8888
3rd Floor, Capital Cyberscape, Sector 59, Gurgaon
