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All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance
Niva Bupa Criti Care Plan
An ideal health plan for individuals and families alike. It not only p ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,737 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement
About Niva Bupa Criti Care Plan
A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.
CritiCare, a plan that gives 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.
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.
You can also buy this policy in combination with:
- CritiCare + AccidentCare + HospiCash
- CritiCare + AccidentCare
- CritiCare + HospiCash
- AccidentCare + HospiCash
- CritiCare Only
- AccidentCare Only
Which critical illnesses are 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 informed decision.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Adults - 18 -65 years
Plan type
Critical Illness Health Insurance
Waiting period
90 days to 4 years
Renewability
Lifetime
Policy term
1 year, 2 year, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Covers 20 critical illnesses
- Long-term tenure discounts
- Multiple payout options
- Tax benefits under Section 80D
- Direct claim settlement
Cons
- No accidental death cover
- No total disability cover
- AIDS not covered
- No child education benefit
- No funeral expenses cover
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Not covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Niva Bupa Health Insurance Plan Detailed Review
Specifications under Niva Bupa CritiCare Policy
Here are the base cover benefits and optional/add-on benefits of the Niva Bupa CritiCare policy:
| Coverage specifications | How is it useful? |
| USPs | |
| Extensive Coverage | Protects against 20 life-threatening critical illnesses such as cancer, stroke, heart and renal failure, and end-stage lung failure. |
| Long-term discount | Avail discounts of up to 12.5% and 15% for policy tenures of 2 and 3 years, respectively. |
| HospiCash (O) | Provides a daily cash allowance to help maintain lifestyle when the insured is unable to earn. |
| AccidentCare (O) | Protects insured individuals and their families against accidental uncertainties. |
| Renewable for life | Lifelong renewability makes this policy attractive for extended coverage. |
| Payout benefits | |
| Option 1 |
(In any policy year, a claim can be triggered for one life only.) |
| Option 2 |
(In any policy year, a claim can be triggered for one life only.) |
| Optional benefits | |
| Accident Hospitalisation Limit (confined to India only) | Up to 2% of the AccidentCare Sum Insured. |
| Surgical operations | Covered up to the accident hospitalisation limit. Claim settlement is on a reimbursement basis, and coverage is limited to India only. |
| Nursing care, drugs, and surgical dressing | |
| Medical Practitioner's / Surgeon's Fee | |
| Room rent | |
| Operation Theatre Charges | |
| Anaesthetics Fee (including administration), X-ray exams, or treatment including CT scan. | |
| Diagnostic Procedures and Therapies | |
| Prosthetic Implants | |
| Emergency Ambulance (as part of the overall Sum Insured) | Limited to ₹2,000 per claim. |
| Physiotherapy (as part of the overall Sum Insured) | Limited to 10% of the accidental hospitalisation limit. |
| Additional benefits | |
| Free Look Period | 15 days. |
| Tax Benefit | Under Section 80D of the Income Tax Act. |
| Claim Settlement | Direct claim settlement, without interference from any third party. |
Other waiting periods under this policy:
- Pre-existing Diseases (PEDs) - 4 years.
- HospiCash Benefit - 24 months for specific conditions.
Niva Bupa Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 31 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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min-: 18 years
- Max-: 65 years
Other features & benefits
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 Critical Illness Plan: FAQs
The 3 most-asked questions about Niva Bupa Criti Care Plan, answered.
It totally depends on healthcare needs. If you have a history of any of the above-mentioned critical illnesses, then to be on the safer side it is a good idea to buy Max Bupa Illness Policy.
The need to undergo a pre-medical check-up may vary from person to person. However, it is always recommended to go for a pre-medical checkup so that at the time of claims, you do not face any hassles.
Yes. As per section 80D of the Income Tax Act of 1961, one is allowed to have tax exemptions on premiums paid for the Max Bupa Criticare plan.
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