Niva Bupa Critical Illness
Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical illness whether they are young or old, which can be financially, physically, and emotionally distressing. Having strong critical illness insurance coverage is crucial because the treatment of these diseases takes a very long time to complete and costs a hefty amount. For scenarios like these, the insurance providers offer critical illness insurance plans. One such plan is the Niva Bupa Critical Illness policy. In this article, we will discuss the features, advantages, and coverage offered by the Niva Bupa Critical Illness Plan as well as why it is a good option for people looking for critical illness covers.
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Niva Bupa Critical Illness Plan
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
- Daily hospital cash
- Accident care available
- Lifelong renewability
NivaBupa CritiCare (Pros)
- 20 critical illnesses Covered
- Long-term tenure savings
- Different pay-out options
- Tax benefits
- Direct claim settlement
NivaBupa CritiCare (Cons)
- Accident Death
- No Total Disability Cover
- AIDS Not Covered
- Child Education Benefit
- Funeral Expenses
NivaBupa CritiCare (Other Benefits)
- Flexibility Plan Options
- Surgeon's Fee Covered
- Renewal for life
- Diagnostic Procedures/Therapies
- Prosthetic Implants Covered
NivaBupa CritiCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 3 Cr
- Waiting Period - 30 Days
Other Critical Illness Health insurance companies
Introduction to Critical Illness Insurance
When a diagnosis of a life-threatening medical condition occurs that requires extravagant funds to be treated, critical illness insurance is intended to provide the policyholders with financial assistance. When a covered disease or condition is diagnosed, critical illness coverage pays out in one lump sum amount, unlike typical health insurance. This payment may be utilized to pay for any costs associated with the treatment or therapies, including medical bills, lost wages due to lifestyle changes, etc.
Features and Advantages of Critical Illness Cover Niva Bupa
Niva Bupa critical illness provides extensive coverage for a variety of critical diseases. Cancer, heart attack, stroke, organ transplants, renal failure, organ failure, etc are some examples of critical illness. The coverage ensures that the policyholders are covered at each step of their healthcare journey, covering both early and later stages of critical illness. The following are some of the features and benefits of critical illness cover Niva Bupa:
- Niva Bupa critical illness offers policyholders the freedom to select the level of coverage and time frame that best meets their requirements. individuals can customise the insurance to fit their particular needs by choosing coverage amounts.
- Niva Bupa critical illness offers the policyholder a lump-sum payout upon receiving a diagnosis of a covered or included critical illness. This payout gives the policyholder financial independence and flexibility throughout a difficult period and it can be used any way they see fit. It can be utilised to pay for medical expenses, obtain specialty care or make essential lifestyle changes, etc.
- Niva Bupa critical illness provides a distinctive premium waiver benefit. The insured or policyholder's future premiums are exempted in the case of a valid claim, ensuring that they continue to have coverage without having to worry about making regular monthly payments. Policyholders may concentrate on their rehabilitation without stressing about financial commitments thanks to this provision, which offers peace of mind.
- With the help of Niva Bupa critical illness, policyholders may get medical care anywhere throughout the world. This is especially helpful for those who might prefer the specialized treatment alternatives that are accessible overseas or for people who often travel for work or leisure.
- Premiums for critical illness insurance are tax exempted in several nations including India. Policyholders of Niva Bupa Critical Illness may be eligible for tax advantages that lower their overall tax obligations while maintaining complete coverage.
- Niva Bupa critical illness offers coverage that goes beyond serious diseases. Additionally, policyholders receive advantages including protection against accidental death, total disability, and terminal diseases. These added benefits offer a comprehensive insurance solution that covers a range of unanticipated events.
Eligibility Criteria
The applicant should consider the following criteria:
- Minimum age requirement - 18 Years
- Maximum age requirement - 65 Years
List of Diseases Covered Under Critical Illness
There are 20 diseases covered under Niva Bupa’s critical illness policy, these include:
- Cancer of specified severity
- Open chest CABG
- First heart attack of specified severity
- Open heart replacement or repair of heart valves
- Stroke resulting in permanent symptoms
- Permanent paralysis of limbs
- Coma of specified severity
- Kidney failure requiring regular dialysis
- Major organ/bone marrow transplant
- Motor neuron disease with permanent symptoms
- Multiple sclerosis with persisting symptoms
- End-stage liver disease
- End-stage lung disease
- Major burns
- Loss of speech
- Deafness
- Aplastic anemia
- Bacterial meningitis
- Fulminant viral hepatitis
Why Critical Illness Cover By Niva Bupa?
There are various reasons why one should opt for critical illness coverage by Niva Bupa. The following are a few of the reasons:
- Niva Bupa is a well-known and dependable brand in the Insurance sector. With its extensive knowledge and experience, It has a proven track record of offering reliable and client-focused insurance solutions. Policyholders may breathe easy knowing they are working with a respectable business that is sensitive to their needs.
- Niva Bupa critical illness plan provides customizable insurance choices that let people alter their coverage according to their unique needs. By having the option to select the amount of coverage and policy duration, policyholders may create a plan that fits their financial objectives and risk tolerance.
- Niva Bupa critical illness plan offers a comprehensive range of critical illness coverage to guarantee that policyholders are safeguarded against a variety of critical diseases. the coverage covers a broad range of ailments, offering throughout protection from common illnesses such as cancer, and heart attacks to harder-to-treat diseases.
- A remarkable lifetime renewal benefit is provided by Niva Bupa critical illness insurance which is a big plus for the customers. According to the specifics of the policy, this provision guarantees that people may keep newing their insurance and have coverage in place for as long as they live unless and until any fraud or misrepresentation is discovered from the end of the policyholder.
In a Nutshell
A comprehensive insurance package, Niva Bupa critical illness provides significant coverage and financial security against severe diseases. Policyholders can breathe easy knowing they are ready for unanticipated health issues with the help of customised insurance options, a lump-sum payout, worldwide coverage, and additional benefits. People may protect themselves and their loved ones by selecting Niva Bupa critical illness plan, allowing them to concentrate on their health and well-being without being distracted by mounting financial obligations.
Explore Other Plans by Niva Bupa Health Insurance
Niva Bupa Health Insurance Company offers several tailored health plans, which are designed to serve you in the best way. Take a look
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
- Covers a maximum of 6 members
- Unlimited SI restoration
- Coverage for modern treatments
Health Reassure Plan (Pros)
- Booster benefit
- Organ donor transplant
- ReAssure
- Live Healthy Benefit
- Second Medical Opinion
Health Reassure Plan (Cons)
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- No Suicide Cover
- No War Injury Cover
Health Reassure Plan (Other Benefits)
- Air Ambulance
- Hospital Cash
- Personal Accident Cover
- Domiciliary hospitalization
- Day care treatment
Health Reassure Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Comprehensive
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
- No room rent capping
- 20% no-claim bonus on SI
- 100% SI restoration
Health Companion V2022 (Pros)
- 5% Doctor Discount
- 10% Family discount
- Tenure Discounts of upto 15 %
- Annual Aggregate Deductible
- Home Care Treatments
Health Companion V2022 (Cons)
- No OPD Cover
- No Maternity Cover
- Cosmetic Surgery Uncovered
- Specific Diseases after 2 yrs
- No Alcoholism Cover
Health Companion V2022 (Other Benefits)
- Air Ambulance
- Modern Treatments
- Vaccination on Animal Bite
- Organ Donor Benefit
- Domiciliary treatments
Health Companion V2022 (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
- No room rent capping
- Up to 100% of SI restoration
- 20% No Claim Bonus
NivaBupa Health Pulse (Pros)
- Optional benefits available
- 150% Refill Benefit
- Annual Health Checkup
- Emergency Ambulance
- Living Organ Donor Benefit
NivaBupa Health Pulse (Cons)
- Conflict and Disaster cases
- 20% co-payment
- No Maternity Benefit
- Cosmetic surgeries
- Treatment for Alcoholism
NivaBupa Health Pulse (Other Benefits)
- Operation Theatre Coverage
- Modern Treatments
- Personal Accident Cover
- e-Consultation
- Daily Hospital Cash
NivaBupa Health Pulse (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 25 L
- Waiting Period - 30 Days
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
- Early age enrolment discounts
- Annually 10 OPD consultations
- No room rent capping
NivaBupa Go Active (Pros)
- Pharmacy and Diagnostic Services
- Domiciliary hospitalization
- Personal Accident Benefit
- Refill Benefit
- Daily health coaching
NivaBupa Go Active (Cons)
- Maternity Benefit Not available
- Adventure Sports not covered
- HIV/AIDS not covered
- Cosmetic Surgery Not Covered
- War Injuries not covered
NivaBupa Go Active (Other Benefits)
- Behavioural Assistance Program
- Alternate Treatment
- I-Protect option to increase SI
- 2 % ICU Cover (per Day)
- No Room Rent Sub Limit
NivaBupa Go Active (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 4 L to 25 L
- Waiting Period - 30 Days
Affordable
An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.
Unique Features
- Up to 200% of SI as NCB
- Up to 150% of SI restoration
- Unlimited e-consultation
NivaBupa Super Saver (Pros)
- Day 1 Health check-up
- No pre-issuance medical tests
- Ambulance cover up to Rs 2000
- ReAssure Benefit
- No sub-limits
NivaBupa Super Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Super Saver (Other Benefits)
- Air Ambulance Cover
- Health Checkup
- Organ Donor Benefit
- Ayush Benefit
- Room selection Option
NivaBupa Super Saver (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
- No room rent capping
- Unlimited E-consultation available
- Pharmacy and diagnostic services
NivaBupa Health Recharge (Pros)
- Loyalty Additions up to 50%
- Pharmacy and Diagnostic Services
- Personal Accident Cover
- Easy Plan Convertibility
- Day Care Treatments Coverage
NivaBupa Health Recharge (Cons)
- Maternity Treatment not covered
- Pre-existing Diseases not covered
- Alcoholism not covered
- Dietary Supplements not covered
- No COVID-19 cover
NivaBupa Health Recharge (Other Benefits)
- Intensive Care Unit charges
- Domiciliary treatment
- HIV / AIDS Treatment Covered
- Artificial Life Maintenance Benefit
- Room Rent (per day) Up to 1%
NivaBupa Health Recharge (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2 Lakh - 95 Lakh
- Waiting Period - 30 Days
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
- Global coverage available
- Child education benefit
- Permanent Disability Cover
- Funeral Expenses
- Accidental OPD
- Adventure Sports Cover
- Elderly Care Cover
- Burns Cover
- No Alcohol Ailment Cover
- No Cosmetic Surgery
- No Obesity Surgery
- No Suicide Cover
- No War Injury Cover
AccidentCare (Other Benefits)
- Air Ambulance
- Broken Bone/Fracture
- Head & Spinal Injury
- Marriage Expenses for Children
- Comatose Cover
AccidentCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 5l
- Waiting Period - 30 Days
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
- 100% SI restoration
- Unlimited e-consultation
- No room rent capping
NivaBupa Money Saver (Pros)
- All Day Care Procedures covered
- Accumulated Bonus
- 100% Refill Benefit
- 20% cumulative bonus
- Organ Transplantation Covered
NivaBupa Money Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Money Saver (Other Benefits)
- Road Ambulance Cover
- Alternate Treatment
- Pharmacy and Diagnostic Services
- Hassle-Free Claims
- Pre & Post Hospitalisation
NivaBupa Money Saver (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 10.5 L to 1 Cr
- Waiting Period - 30 Days
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
- Coverage for modern treatments
- Multiple co-payment options
- Unlimited SI restoration
NivaBupa Senior First (Pros)
- 3 Variant Available
- No pre-issuance medical tests
- Day 1 Health Check-up
- Safeguard (Add-on)
- Day Care Treatment
NivaBupa Senior First (Cons)
- No Critical Illness Cover
- 50% Co-payment
- No Specific Diseases Covered
- No Pre-existing Disease Cover
- Self Inflicted Injuriesnot covered
NivaBupa Senior First (Other Benefits)
- ReAssure Benefit
- Domiciliary Hospitalization
- Organ Donor Benefit
- Ayush Benefit
- Annual Aggregate Deductible
NivaBupa Senior First (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
Comprehensive Plan
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
- Booster+ Benefit
- Lock premiums at entry age
- Health check-ups from day 1
Health ReAssure 2.0 Plan (Pros)
- Personal accidents covered
- Acute Care
- Emergency Ambulance
- Three Plan variants
- Home Care Treatments
Health ReAssure 2.0 Plan (Cons)
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- Pre-Existing Diseases after 3 yrs.
- Alcoholism not covered
Health ReAssure 2.0 Plan (Other Benefits)
- Air Ambulance
- Modern Treatments
- Second Opinion
- Booster Benefit
- Shared Accommodation Benefit
Health ReAssure 2.0 Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Suraksha Plan
Niva Bupa Saral Suraksha Bima
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
- Large Sum Insured
- High sum insured
- Up to 50 % Cumulative Bonus
Saral Suraksha Bima (Pros)
- Accidental Death Covered
- Pay Rs 296 monthly as premium
- Education Grant to children
- Temporary Total Disablement
- Hospitalisation due to an accident
Saral Suraksha Bima (Cons)
- No Maternity Benefit
- No Disablement Claims
- War Injuries not covered
- Accident through intoxication
- COVID-19 death not covered
Saral Suraksha Bima (Other Benefits)
- 30-minute cashless claims
- Paperless Reimbursement
- Road Ambulance Covered
- Emergency Treatment Covered
- Hassle Free Renewal Process
Saral Suraksha Bima (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2.5 L to 1 Cr
- Waiting Period - 30 Days
Corona Plan
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
- Ventilator Expenses Included
- PPE Kit expense Included
- Covers ICU Charges
Niva Bupa Corona Kavach (Pros)
- Home Care Treatment Expenses
- Hospitalisation Coverage
- Pre and Post Hospitalisation
- Hassle-free Claims
- AYUSH Treatments Coverage
Niva Bupa Corona Kavach (Cons)
- OPD and Day Care Treatment
- Evaluation and Investigations
- Rehabilitation
- Dietary supplements
- COVID Claim
Niva Bupa Corona Kavach (Other Benefits)
- Coverage for Parents & PILs
- Coverage for Dependent Children
- Road Ambulance Covered
- Hospital Daily Cash
- Spouse Cover Available
Niva Bupa Corona Kavach (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 50 Thousand to 5 Lakh
- Waiting Period - 30 Days
Maternity Plan
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
- Maternity Cover
- International coverage
- In-Built travel insurance
NivaBupa Health Premia (Pros)
- Refill benefit for any illness
- 10% Loyalty Additions in SI
- Tenure Discounts of upto 15 %
- Worldwide Maternity Benefit
- In-patient care
NivaBupa Health Premia (Cons)
- No OPD Cover
- No HIV/AIDS Covered
- 20% co-payment
- Pre-existing Diseases after 2 yrs
- Treatment for Alcoholism
NivaBupa Health Premia (Other Benefits)
- Zonal Coverage available
- Pharmacy and diagnostic services
- Opt for additional features
- Living Organ Donor Benefit
- Premium waiver and portability
NivaBupa Health Premia (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Maternity Plan
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
- Maternity & New born coverage
- No room rent capping
- 10% increase in SI annually
NivaBupa Heart Beat (Pros)
- Additional Coverage
- 10% Loyalty Benefit
- Annual Health Check ups
- Refill benefits
- Coverage out of hospitals
NivaBupa Heart Beat (Cons)
- Obesity Treatment not covered
- Hazardous Activities not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
NivaBupa Heart Beat (Other Benefits)
- OPD Consultations
- Alternative Treatments
- New Born Baby Cover
- Pharmacy and diagnostic services
- No WP up to 45 years
NivaBupa Heart Beat (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Niva Bupa Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
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