Health Plus- Super Top Up

Key Features

Federal Bank with Niva Bupa bring you the best-in-class Super top up plan which offers coverage upto Rs 15 Lakh with Rs 2 Lakh of deductible. The plan comes with host of benefits like hospitalisation, day care treatments, organ transplant expenses, domiciliary hospitalisation among other benefits. You don’t have to look any further to secure your, and your family’s healthcare expenses!

Inpatient Care

We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.

Hospital Accommodation

While hospitalised, you can choose to opt for a Single Private Room. ICU charges are covered up to Sum Insured.

Day Care Treatment

We cover 536 day care treatments under this plan. Please refer to the policy document to know the entire list of day care procedures covered under the product.

Pre and Post hospitalisation medical expenses

We reimburse pre & post hospitalisation medical expenses incurred due to illness/injury. The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days after you get discharged from the hospital. This is subject to Niva Bupa accepting the In-patient Care hospitalisation, Day Care or Domiciliary hospitalisation claim.

Domiciliary Hospitalisation

In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalisation. Such treatment should continue for at least 3 consecutive days and confirmation from treating medical practitioner/insured that insured person could not be transferred to the hospital or hospital bed was unavailable, as the case may be.

Organ Transplant

Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ donated is also covered provided the organ is for the use of the insured person.

Road Ambulance Cover

We also cover the road ambulance expenses to transfer the insured following an emergency to the nearest hospital. We also provide ambulance coverage if the medical condition requires immediate ambulance services from the existing Hospital to another Hospital with advanced facilities for management of the current Hospitalisation.These expenses are paid up to INR 1,000 if we have accepted the In-patient claim.

Annual Aggregate Deductible

There is an annual aggregate deductible in the plan of Rs 2 Lakhs. This means that we will pay the medical expenses of hospitalisation deducting the initial Rs 2 Lakh from it. Please note that the maximum we pay is Rs 15 Lakh.

Entry Age and Family Coverage

Entry Age and family coverage

The entry age for adults under this policy can be from 18 to 60 years. The entry age for dependent children is from 91 days to 21 years in a family floater policy.

The policy can be taken individually or for the family. The family floater policy is available for husband, wife and a maximum of 2 children

Other Benefits

Tax Benefit

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; please consult your tax advisor for more details.

Assured Policy Renewal for Life

Once insured with us, you will always remain our customers subject to continued payment of premium and the currency of tie up with Federal Bank. We assure you renewability for life with no extra loadings based on your claim history.

Direct Claim Settlement

We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our customer service team.

Cashless Facility

Cashless Facility can be availed only at our Network Providers or Service Providers. Please contact us for more details.

Free Look Period

We endeavor for transparency and complete satisfaction and therefore, our policies are transparent and easy to understand. If you are not satisfied, we provide a 15-day free look period (30 days if the policy has been sold through distance marketing)within which you can cancel your plan stating the reason.

Information at your fingertips

Get quick and easy access to your claims history, your health information, your health profile, including records of tests and other details on our website.

Others Health Insurance Related Product


The Federal Bank Limited is a Corporate Agent having registration number - Regn. No. CA0227.  The service provided by The Federal Bank Limited is purely an agency service and is carried out strictly on a non-risk participation basis. The Federal Bank Limited, as corporate agent does not underwrite the risk or act as an insurer. Participation by the Federal Bank’s customers in the insurance product is purely on a voluntary basis and is not linked to the availment of any other facility from the Federal Bank Limited.