Criti Care Plan

Overview of Niva Bupa CritiCare Policy

CritiCare is a plan that provides health and financial protection to you and your family against 20 critical illnesses.

Critical illness can be a threat to life and a family's financial security. To protect your finances in such times, Niva Bupa has developed the CritiCare Critical Illness plan, which provides coverage against 20 listed critical illnesses.

Impact of Critical Illnesses in India

Consider the following data:

According to the Global Burden of Disease Research, medical conditions, including heart-related diseases and strokes, resulted in 2.5 million fatalities in India in 2019, disproportionately affecting the younger generation. Similarly, cancer has become one of the top five causes of untimely deaths in India, with a projected increase to 29.8 million in 2025 from 26.7 million in 2021, according to ICMR statistics. As a result, it is crucial to be aware of these life-threatening diseases and take preventive actions.

Note: This report is quoted from a credible BFSI article.

The Niva Bupa CritiCare Policy is designed for individuals diagnosed with any of the listed 20 critical illnesses, protecting their savings from being depleted by expensive medical treatments. However, if a critical illness is diagnosed before purchasing the policy, it is considered a pre-existing condition and is covered after a waiting period of 4 years.

Policy Combinations

You can also buy this policy in combination with:

• CritiCare + AccidentCare + HospiCash
• CritiCare + AccidentCare
• CritiCare + HospiCash
• AccidentCare + HospiCash
• CritiCare Only
• AccidentCare Only

Critical Illnesses Covered Under Niva Bupa CritiCare Insurance

Check below the list of 20 critical illnesses that are covered under Niva Bupa's critical illness policy:

• 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 neurone disease with permanent symptoms
• End-stage liver disease
• End-stage lung disease
• Major burns
• Loss of speech
• Deafness
• Aplastic anaemia
• Bacterial meningitis
• Fulminant viral hepatitis
• Multiple sclerosis with persisting symptoms
• Muscular dystrophy

In addition, the Niva Bupa CritiCare critical illness insurance plan has several other benefits, which you can read further in this guide. This guide also covers eligibility options, coverage specifications, exclusions, and more, enabling you to make an an informed decision.

Specifications Under Niva Bupa CritiCare Policy

Here are the base cover benefits and optional/add-on benefits of the Niva Bupa CritiCare policy:

Other Waiting Periods

Other waiting periods under this policy:

• Pre-existing Diseases (PEDs) - 4 years.
• HospiCash Benefit - 24 months for specific conditions.

Exclusions

• HIV/AIDS or related conditions.
• Self-inflicted injuries or attempted suicide.
• Alcoholism or drug abuse.
• War, rebellion, insurrection, riots, strikes, etc.
• Participation in any naval, military, air force, or aviation operations during peacetime.
• Adventure sports or hazardous activities.
• Criminal intent, unlawful activity, or breach of law.
• Nuclear contamination.

Summary

The Niva Bupa CritiCare insurance provides medical and financial support for over 20 specified critical illnesses, helping you combat catastrophic situations and safeguarding you from financial instability. From severe cancer and strokes to heart replacement, kidney failure, and third-degree burns, the CritiCare plan offers comprehensive coverage.

For any further queries related to the Niva Bupa CritiCare plan, please contact us at 1800 4200 269.

Niva Bupa CritiCare Sample Premium Illustration

We at PolicyX.com have illustrated the sample premium of Niva Bupa CritiCare health insurance with different family sizes. You can refer to the section below to understand how much premium you would need to pay for this plan:

1 Adult

2 Adults

2 Adults + 1 Child