Health Recharge in one table
| Insurer | Niva Bupa Health Insurance Company Limited |
|---|---|
| Sum insured | ₹2 lakh to ₹95 lakh, payable above the deductible you choose. |
| Entry age | 18 to 65 years for adults (last birthday). Dependent children from 91 days to 25 years. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Health Recharge covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Niva Bupa's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| How the deductible works | Annual aggregate. Every claim in the policy year counts towards it, so one big admission or several small ones both erode it. It is not a per-claim deductible. | Aggregate is better than per-claim |
| Deductible options | ₹10,000, ₹25,000 or ₹50,000 on the E-saver tier; ₹1 lakh to ₹10 lakh on the standard tier | Match it to the cover you already hold |
| Sum insured | ₹2 lakh to ₹95 lakh, above the deductible | ₹50 lakh or more for a metro family |
| Changing the deductible later | The deductible can be altered without fresh medical underwriting or a pre-policy check-up, subject to conditions | Rare and genuinely useful |
| Room rent | Subject to the eligibility stated in the policy schedule. Where a higher category is taken, every associated medical expense is cut proportionately, not just the room charge. | No room rent capping |
| Renewability | Lifelong, provided the renewal premium is paid within the 30-day grace period | Lifelong renewal |
| Policy term | One, two or three years | Multi-year locks the premium |
Health Recharge add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Health Recharge discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Two-year policy term | Up to 7.5% | Applied to the premium for the second policy year. |
| Three-year policy term | Up to 15% | 15% on the third policy year's premium, plus 7.5% on the second. |
From the Health Recharge prospectus. Every figure is a ceiling, not a promise.
Health Recharge waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Pre-existing disease | 36 months of continuous cover |
|---|---|
| Specified diseases and procedures | 24 months of continuous cover |
| Cancer | 30 days |
| Accident | Covered from day one |
| Not subject to any waiting period | e-Consultation, Personal Accident Cover and Critical Illness Cover |
The named illnesses that wait 24 months
Indicative, taken from the policy wording. Your own document governs.
Health Recharge exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Health Recharge falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Health Recharge questions, answered
Do I need a base policy to buy this?
In practice, yes. Health Recharge only pays above the deductible you choose, so a claim below that figure is entirely yours. It is designed to sit on top of an existing retail policy or an employer's cover. Buying it alone leaves you exposed to exactly the everyday claims most people make.
What does 'annual aggregate' deductible mean?
Every claim in the policy year counts towards the same deductible rather than each claim facing it separately. Three admissions of ₹40,000 against a ₹1 lakh deductible cross it; under a per-claim deductible none of them would. Aggregate is the buyer-friendly version and it is what this plan uses.
Can I change the deductible later?
Yes, and unusually it can be altered without fresh medical underwriting or a pre-policy check-up, subject to the conditions in the wording. That matters if your employer cover changes or you buy a larger base policy.
What is not covered?
Anything below the deductible, pre-existing diseases for the first 36 months of continuous cover, and the listed specified diseases and procedures for 24 months. Accidents are covered from day one and cancer after 30 days. The policy wording is the contract.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Niva Bupa plans we have read
Niva Bupa files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.