Network hospitals
10263+
Incurred claim ratio
100%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.7
Pan India Presence
320+
CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses!
The critical illness can be contagious to life and the family's financial security. To protect your finances in such times, Niva Bupa has developed a Critical Illness plan: CritiCare which provides coverage against 20 listed critical illnesses.
Before moving to the next point, read what the data has to say;
According to the Global Burden of Disease Research, the medical condition including heart-related diseases and strokes resulted in 2.5 million fatalities in India in 2019, with the younger generation bearing the brunt of the burden. 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 critical to be aware of these life-threatening diseases and take preventative actions.
Note: We don't claim this report, it's quoted from a credible source of the BFSI article.
Niva Bupa CritiCare Policy is designed for people diagnosed with any of the listed 20 critical illnesses and also protects their savings from being wiped out due to expensive medical treatments. However, if a critical illness has been diagnosed before buying the policy, it’s considered a pre-existing condition that is covered after a waiting period of 4 years.
You can also buy this policy in combination with;
Which critical illnesses are covered under Niva Bupa CritiCare insurance?
Check below the list of 20 critical illnesses that are covered under NivaBupa's critical illness policy:
In addition, the Niva Bupa CritiCare critical illness insurance plan has several other benefits which you can read further in this guide. We’ve also covered the eligibility options, specifications of coverage, exclusions, etc so that you can make an informed decision.
To understand Criti Care Plan Insurance in detail, take a look at the below table:
Adults - 18 -65 years
Critical Illness Health Insurance
3 Lakh | 10 Lakh | 25 Lakh | 40 Lakh | 60 Lakh | 85 Lakh | 1 Crore | 3 Crore
90 days to 4 years Days
NA
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.
Read more specifications in the brochure.
With wide coverage options available, Criti Care Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Read below the base cover benefits and optional/add-on benefits of the Niva Bupa Critical illness plan:
Coverage specifications | How is it useful? |
USPs | |
Vast coverage | Protects you from 20 life-threatening critical illnesses like cancer, stroke, heart and renal failure, end-stage lung failure, and so on |
Long-term discount | For a policy tenure of 2 and 3 years, avail of a discount of upto 12.5% and 15% respectively |
HospiCash (O) | It covers daily cash allowance to maintain their lifestyle while the insured is not able to earn |
AccidentCare (O) | Protects insured individuals and their families from accidental uncertainty |
Renewable for life | The lifelong renewability of this policy makes it even more attractive to be covered for an extended period |
Payout benefits | |
Option 1 |
(In any policy year the 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) | Upto 2% of the AccidentCare sum insured |
Surgical operations | Covered upto the accident hospitalization limit. claim settlement 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 | |
Anesthetics 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 Rs 2000/claim |
Physiotherapy (as part of the overall sum insured) | Limited to 10% of accidental hospitalization 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:
Niva Bupa Health Insurance Plan Detailed Review
All about Niva Bupa Health Insurance Company
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.
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:
SI Options | 5L | 10L | 20L | 25L | 50L | 1Cr |
Premium Payable | 6,224 | 9,111 | 13,010 | 13,895 | 17,439 | 20,983 |
SI Options | 5L | 10L | 20L | 25L | 50L | 1Cr |
Premium Payable | 0 | 0 | 0 | 0 | 0 | 0 |
SI Options | 5L | 10L | 20L | 25L | 50L | 1Cr |
Premium Payable | 0 | 0 | 0 | 0 | 0 | 0 |
Niva Bupa CritiCare's critical illness insurance policy has multiple benefits related to critical illness/disease treatment. On the contrary, it comes with a pre-defined set of permanent exclusions, a list of which is given below for your reference:
Others, as per the specification or a detailed list of exclusions mentioned in the policy wordings.
Niva Bupa CritiCare insurance provides medical and financial support for over 20 specified critical illnesses, helping you fight not only against catastrophic situations but also saving you from financial instability. From the severity of cancer to strokes, from heart replacement and kidney failure to third-degree burns, and so on - the CritiCare plan covers it all.
So, what's your excuse to not buy it?
If you have any further queries related to the Niva Bupa critical illness plan, reach out to us at 1800 4200 269.
To cater to the different medical needs of an individual & their family, Niva Bupa Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Niva Bupa Health Insurance plans explore more:
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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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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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