Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeOptional group medical insurance top-up for BOI Elite Salary Account holders; cost is borne by the account holder.View source
The BOI page says an optional health-insurance top-up is available to account holders on a fully paid basis and points to Annexure V.
- Source
- BOI Elite Salary Account / Annexure V
- Page / section
- Group Medical Insurance — Optional Top-Up; Annexure V
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerNiva Bupa Health Insurance Company Limited; Bank of India arranges the Elite Salary account-holder benefit.View source
The official Annexure V schedule identifies the Niva Bupa Super Protect Plus Top-up.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Product identity
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termOne year.View source
The Annexure V schedule publishes policy tenure as 1 year.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Policy Tenure
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageAdults: 18 to 65 years. Children: 91 days to 21 years.View source
The schedule states adult entry age 18–65 years and child entry age 91 days–21 years.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Entry Age
- Accessed
- 30 Aug 2026
- Confidence
- high
Available family compositionsPublished options are 1 adult, 2 adults, 1 adult + 1 child, 2 adults + 1 child and 2 adults + 2 children.View source
The schedule lists the five available adult/child plan compositions.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Plans
- Accessed
- 30 Aug 2026
- Confidence
- high
Base sum insured and deductibleBase sum insured ₹30 lakh with a ₹3 lakh deductible.View source
The schedule publishes ₹30 lakh base sum insured with ₹3 lakh deductible.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Base Sum Insured
- Accessed
- 30 Aug 2026
- Confidence
- high
Published hospitalisation benefitsIn-patient care up to base sum insured; single private room and ICU up to base sum insured; 536 listed day-care treatments up to base sum insured; pre-hospitalisation 30 days and post-hospitalisation 60 days; domiciliary hospitalisation, organ transplant and modern treatment up to base sum insured; emergency ground ambulance within India ₹1,000 per hospitalisation; accompanying-person accommodation ₹1,000 per day up to 10 days.View source
The schedule lists room, , day-care count, pre/post periods, treatment, ambulance and accompanying-person limits.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Schedule of Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodsInitial waiting period 30 days; specific-disease waiting period 24 months; pre-existing-disease waiting period 24 months.View source
The schedule publishes 30 days initial, 24 months specific disease and 24 months pre-existing disease waiting periods.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Waiting Periods
- Accessed
- 30 Aug 2026
- Confidence
- high
Accidental death coverAccidental death cover of ₹30 lakh for the primary insured is listed in the schedule.View source
The schedule lists accidental death cover of ₹30 lakh for the primary insured.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Accidental cover
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumThe top-up is fully paid by the account holder; the reviewed BOI page and Annexure V do not publish a universal premium amount.View source
The page specifies that the optional top-up cost is borne by the account holder but gives no universal price.
- Source
- BOI Elite Salary Account
- Page / section
- Optional Top-Up Cover — Cost to be borne by A/c holder
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe complete exclusions and claim conditions are controlled by the current Niva Bupa group-policy wording and are not reproduced in the BOI summary table; review the issued certificate and wording before purchase.View source
The reviewed benefit schedule publishes limits and waiting periods, not the full exclusions list.
- Source
- Niva Bupa Super Protect Plus Top-up — Annexure V
- Page / section
- Annexure V — Schedule
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsIn-patient care up to base sum insured; single private room and ICU up to base sum insured; 536 listed day-care treatments up to base sum insured; pre-hospitalisation 30 days and post-hospitalisation 60 days; domiciliary hospitalisation, organ transplant and modern treatment up to base sum insured; emergency ground ambulance within India ₹1,000 per hospitalisation; accompanying-person accommodation ₹1,000 per day up to 10 days.View source
The manually reviewed product record states: “In-patient care up to base sum insured; single private room and up to base sum insured; 536 listed day-care treatments up to base sum insured; pre-hospitalisation 30 days and post-hospitalisation 60 days; domiciliary hospitalisation, organ transplant and modern treatment up to base sum insured; emergency ground ambulance within India ₹1,000 per hospitalisation; accompanying-person accommodation ₹1,000 per day up to 10 days.”.
- Source
- Niva Bupa Super Protect Plus Top-up (BOI Elite Salary) — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹30 lakh base cover over ₹3 lakh deductible
- Single private room and up to base sum insured
- 536 listed day-care treatments
- 30/
60-day pre/ post-hospitalisation cover - ₹1,000 ambulance per hospitalisation
- ₹1,000/day accompanying-person stay up to 10 days
- ₹30 lakh accidental death cover for primary insured
Eligibility
- Only eligible BOI Elite Salary Account holders may opt in; published compositions are 1 adult, 2 adults, 1 adult + 1 child, 2 adults + 1 child or 2 adults + 2 children.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- BOI Elite Salary Account enrolment/undertaking and Niva Bupa proposal, identity and medical documents as requested
Related official documents
BOI Elite Salary Account — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗Niva Bupa Super Protect Plus Top-up — BOI Elite Salary Annexure Vofficial-pdf · current · accessed 30 Aug 2026
↗