Niva Bupa (Max Bupa) Health Recharge Insurance

Here's discussing the key benefits of the Max Bupa Health Recharge Policy:

1. In-patient hospitalization if the policyholder or a member of their family is hospitalized.
2. Room rent charges have no limits imposed.
3. Alternative treatment coverage depending on the sim insured. 
4. Ambulance charges up to Rs 1500 for every hospitalization.
5. Availability of unlimited e-consultations.
6. Inclusion of pharmacy and diagnostic services.
7. Lucrative loyalty additions (5% to 50% max).
8. Personal accident cover (5 times the sum insured).
9. Option of critical illnesses cover.
10. Coverage for pre and post hospitalization expenses.
11. Coverage for Day care and domiciliary treatments.
12. Tax benefits under Section 80D of IT Act 1961.
13. Cashless facility at over 4600 network providers or service providers. Please contact us for more details.
14. Reimbursement of pre & post hospitalization expenses for 60 to 90 days.

There are two variants of the Max Bupa Health Recharge — e-Saver and Super Top-Up with distinct differences in the benefits offered. Both policies offer lifetime renewal guarantee and varying ranges of Sum Insured. It starts from Rs 2 lacs and goes up into Rs 25 lacs. Interested customers can also opt for the Max Life Super Term Plan for comprehensive coverage, better future planning, and financial stability.

Customers also have the option to choose Max Bupa's individual or family floater plan depending on their needs.

Here's a table highlighting the eligibility criteria for the Max Bupa Health Recharge plans:

Individual Plan

This plan is designed for individuals, and can be extended to spouses and four dependent children. The maximum cover provided goes up to Rs 95 lacs starting from 2 lacs. 

Family Floater Plan

This is a family plan where an entire family is covered under one plan and sum insured. The maximum allowable limit of family members is six. The family floater permits any of the following combinations:

• 1 adult and 1 child
• 1 adult and 2 children
• 1 adult and 3 children
• 1 adult and 4 children
• 2 adults
• 2 adults and 1 child
• 2 adults and 2 children
• 2 adults and 3 children
• 2 adults and 4 children

The maximum cover provided goes up to Rs 95 lacs starting from 2 lacs. 

• Cashless approvals in the hospital within 30 minutes with no third party (TPA) involvement.
• Personal accident coverage in case of accidental death, or accidents that result in total or partial disability.
• Coverage for critical illnesses such as cancer, kidney diseases, organ transplants, heart failure, CAGB, stroke, and more 
• Road ambulance charges up to Rs 1500 are covered in the plan.
• Pre hospitalization charges will be covered for 60 days.
• Post-hospitalisation charges will be covered for 90 days 
• Loyalty benefits include an added bonus of 5% on sum insured every year (50% is maximum). 
• Pharmacy and diagnostic services are covered in the plan. 
• Artificial life support is included. 

Here is a table to better understand the inclusions: 

• Optical treatment or age-related expenses are excluded.
• The policy does not cover dental treatment.
• Psychiatric evaluation or mental illnesses are excluded.
• Expenses incurred on sexually transmitted diseases like AIDS and HIV are excluded. 
• The policy also excludes any kind of behavioral, treatment, or neurodevelopmental and neurodegenerative conditions. 
• Cosmetic or plastic surgery expenses, reconstructive surgery are not included in the Health Recharge Max Bupa. 
• Gender change treatments are excluded.
• Injuries resulting from hazardous adventure sports or due breach of law are excluded. 
• Maternity and pregnancy-related treatment is excluded.
• The policy also excludes external congenital anomalies or birth defects. 
• Suicidal attempts, self-inflicted injury, or those resulting from war, nuclear or chemical or biological activities are excluded.