Federal Bank Niva Bupa Health Recharge

Age

• The entry age for adults under this policy is from 18 to 65 years. The entry age for dependent children is from 91 days to 25 years.

Tax Benefits

• Save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws. Kindly consult your tax advisor for more details.

Waiting Period

• Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal
• Initial waiting period of 30 days unless the treatment needed is the result of an accident.
• Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)
• Please note that Waiting Periods shall not apply to e-consultation and Personal Accident Cover. For Critical Illness Cover, initial waiting period of 90 days and pre-existing disease waiting period of 48 months will apply.

Specific Exclusions

• Investigation & Evaluation
• Rest Cure, rehabilitation and respite care
• Obesity/ Weight Control
• Change-of-Gender treatments
• Cosmetic or plastic Surgery
• Hazardous or Adventure sports
• Breach of law
• Excluded Providers
• Refractive Error
• Unproven Treatments
• Birth control, Sterility and Infertility
• Maternity Expenses
• Circumcision
• Conflict & Disaster
• External Congenital Anomaly
• Unrecognized Physician or Hospital

Copayment Deductibles

• Choosing an Annual Aggregate Deductible is mandatory under this product and they vary from Rs. 10,000 to Rs. 10 lacs Post completion of 5 years in this policy and before the eldest member turns 50 years of age, there is a one-time option to either modify the deductible chosen or convert the policy to an indemnity policy (without deductible), without any medical underwriting or pre-policy medical check-up.

Renewability and Coverage

• In-Patient Care (Hospitalisation)
• Hospital Accommodation
• Pre & Post Hospitalisation Medical Expenses
• Day Care Treatments Covered
• Domiciliary Treatment
• Organ Transplant
• Alternative Treatments
• Emergency Ambulance
• Pharmacy And Diagnostic Services
• E-Consultation
• Loyalty Additions (applicable only for Sum Insured up to Rs.25 Lac)
• Mental Disorder Treatment
• HIV / AIDS
• Artificial Life Maintenance
• Modern Treatments
• Personal Accident Cover (Optional)
• Critical Illness Cover (Optional)
• Modification Of Room Rent (Optional)
• Annual Aggregate Deductible
• Assured Policy Renewal For Life
• Cashless Facility can be availed only at our 7400+ network providers or service providers. Please contact us for more details.