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Updated on Jul 14, 2025 4 min read
Niva Bupa Criti Care Plan
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;
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 NivaBupa'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. We’ve also covered the eligibility options, specifications of coverage, exclusions, etc so that you can make an informed decision.
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Niva Bupa Criti Care Plan Specifications
To understand Niva Bupa Criti Care Plan Insurance in detail, take a look at the below table:
*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.
Choose Your Niva Bupa Criti Care Plan
With wide coverage options available, Niva Bupa 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:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage
Terms
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
Alternative
Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency
Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness
Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Covered
Sub-limits
Not Covered
What
is Room Rent?
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).
What
are ICU Charges?
It is a special hospital department where patients with serious medical conditions are treated.
What
is Pre Hospitalization?
Medical expenses incurred before hospitalisation of the policyholder.
What
is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
What
is Domiciliary Hospitalization?
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.
What
is Daycare Treatment?
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
What
are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
.
What
is COVID-19 Treatment?
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
What
is Cataract Treatment?
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
What
is a No-Claim Bonus?
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.
What
is Automatic Restoration?
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.
What
is Daily Hospital Cash?
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.
What
is an Organ Donor Cover?
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.
What
is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section deliveries.
What
is a New Born Baby Cover?
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:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Daycare treatment
What
is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
What
is IVF 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:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
What
is a Modern Treatment?
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
What
is an Ambulance Cover?
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.
What
is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
What
is Compassionate Travel?
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.
What
is Global Coverage?
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
What
is E-Consultation?
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
What
is a Health Checkup?
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.
What
is a Second Medical Opinion?
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.
What
is Vaccination cover?
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
What
is Co-payment?
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.
What
is the Sub limit?
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.
Specifications under Niva Bupa CritiCare policy
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
For individual options, a lump sum equal to 100% of the SI
For floater options, coverage for self is 100% of the SI & coverage for spouse, 100% of SI
(In any policy year the claim can be triggered for one life only)
Option 2
For individual options, a lump sum equal to 100% of the SI + staggered payout equal to 10% of the SI per annum subsequently given as income for 5 years
For floater options, a lump sum equal to 100% of SI + staggered payout equal to 10% of the SI per annum subsequently as income for 5 years
(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:
Pre-existing diseases (PEDs) - 4 years
HospiCash Benefit - 24 months for specific conditions
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All about Niva Bupa Health Insurance Company
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.
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
SI Options
5L
10L
20L
25L
50L
1Cr
Premium Payable
6,224
9,111
13,010
13,895
17,439
20,983
2 Adults
SI Options
5L
10L
20L
25L
50L
1Cr
Premium Payable
0
0
0
0
0
0
2 Adults + 1 Child
SI Options
5L
10L
20L
25L
50L
1Cr
Premium Payable
0
0
0
0
0
0
Exclusions under Niva Bupa CritiCare Insurance
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:
HIV/AIDS or a related condition
Self-inflicted injuries/an attempt to suicide
Alcoholism/drug abuse
War, rebellion, insurrection, riot, strikes, etc
Taking part in any naval/military/air force/aviation operations during peacetime
Adventure sports/hazardous activities
Criminal intent/unlawful activity/Breach of law
Nuclear contamination
Others, as per the specification or a detailed list of exclusions mentioned in the policy wordings.
Summarizing It All
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.
Explore other Niva Bupa Health Insurance
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:
The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designed for the m...
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Explore Niva Bupa Group Plans
Niva Bupa Tax Benefits
Niva Bupa Eligibility
Niva Bupa Group Health Insurance (Pros)
Niva Bupa Group Health Insurance (Cons)
Niva Bupa Group Health Insurance (Other
Benefits)
Niva Bupa Group Health Insurance (Eligibility
Criteria)
CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses!
The critical illness can be contagi...
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Unique Features
Child Education
Funeral Expenses Cover
TTD/PTD Cover
Personal Accident Care Plan (Pros)
Child education benefit
Funeral expenses covered
Total and partial disability covered
Personal Accident Care Plan (Cons)
Adventure sports not covered
No coverage for cosmetic procedures
Self-harm not covered
Personal Accident Care Plan (Other
Benefits)
Lifetime renewability offered
Long-term discounts
High sum insured options
Personal Accident Care Plan (Eligibility
Criteria)
Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...
Unique Features
High-sum insured options
Rewards and loyalty benefits
Multiple plan variants
Niva Bupa Senior First Plan (Pros)
High-sum insured options
Rewards and loyalty benefits
Multiple plan variants
Niva Bupa Senior First Plan (Cons)
ICU charges not covered
OPD coverage not available
Second medical opinion not available
Niva Bupa Senior First Plan (Other
Benefits)
No sub-limits are applicable for common health conditions
Waive off co-payment on applying deductibles
No mandatory pre-issuance medical tests
Niva Bupa Senior First Plan (Eligibility
Criteria)
Go an extra mile for the health of your family with Niva Bupa Health Recharge
Niva Bupa Health Pulse Plan protects you and your family's health and pr...
Niva Bupa Health Premia is a comprehensive health insurance plan that offers complete coverage to an individual and their family. The plan offers wide...
Unique Features
Benefits and Features of Health Premia
Comparison of Silver Gold and Platinum
Sample Premium Rates of Plan
Niva Bupa Health Premia Plan (Pros)
Refill benefit for any illness
10% Loyalty Additions in SI
Tenure Discounts of upto 15 %
Worldwide Maternity Benefit
In-patient care
Niva Bupa Health Premia Plan (Cons)
No OPD Cover
No HIV/AIDS Covered
20% co-payment
Pre-existing Diseases after 2 yrs
Treatment for Alcoholism
Niva Bupa Health Premia Plan (Other
Benefits)
Zonal Coverage available
Pharmacy and diagnostic services
Opt for additional features
Living Organ Donor Benefit
Premium waiver and portability
Niva Bupa Health Premia Plan (Eligibility
Criteria)
Nothing Seems Impossible
A comprehensive plan that gives coverage against any medical emergency for you and your family members. One of the various fu...
Unique Features
High Sum Insured
Lock Your Premiums
Booster+ Benefit
Niva Bupa Reassure 2.0 Health Plan (Pros)
Personal accidents covered
Acute Care
Emergency Ambulance
Three Plan variants
Home Care Treatments
Niva Bupa Reassure 2.0 Health Plan (Cons)
No OPD Cover
No Maternity Cover
No Sleep Disorder Covered
Pre-Existing Diseases after 3 yrs.
Alcoholism not covered
Niva Bupa Reassure 2.0 Health Plan (Other
Benefits)
Air Ambulance
Modern Treatments
Second Opinion
Booster Benefit
Shared Accommodation Benefit
Niva Bupa Reassure 2.0 Health Plan (Eligibility
Criteria)
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A plan that keeps giving you more.
Niva Bupa Health ReAssure is specially designed to protect you and your family during medical emergencies. It gives...
Niva Bupa Money Saver health insurance plan is a combination of two separate health plans- Niva Bupa Health Companion and Niva Bupa Health Recharge. I...
Unique Features
Unlimited e-consultations
No Room Rent Capping
Lifelong Renewability
Niva Bupa Money Saver Plan (Pros)
All day care procedures covered
Every claim free year adds up to 20% of base sum insured as bonus
Accumulated bonus doesn& 039;t reduce even after claim
Niva Bupa Super Saver is a comprehensive health insurance plan that consists of two separate plans- Niva Bupa Health Pulse and Niva Bupa Health Recha...
Unique Features
Lifetime renewability
Unlimited e-consultations
Cover for modern treatments
Niva Bupa Super Saver Policy (Pros)
Annual health check-up included
Pharmacy and diagnostic services included
Domiciliary treatment covered
Niva Bupa Super Saver Policy (Cons)
Investigation and evaluation not included
Any conflict or disaster not included
Maternity expenses is excluded
Niva Bupa Super Saver Policy (Other
Benefits)
Lifetime renewability
Unlimited e-consultations
Cover for modern treatments
Niva Bupa Super Saver Policy (Eligibility
Criteria)
Your Niva Bupa GoActiveTM plan has exclusive features to provide for all your health insurance needs.
There could be several incidences that lead us t...
Go an extra mile for the health of your family with Niva Bupa Health Recharge
Niva Bupa Health Recharge (formerly known as Max Bupa Health Recharge) i...
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"Introducing a health insurance that rewards you for starting young."
A plan that allows you to go for overseas treatment.
Several health insurance p...
Health dangers are rapidly increasing in today's fast-paced world, which includes some chronic life-threatening diseases. Anyone can have a critical i...
Unique Features
Features and Benefits
Eligibility and Coverage
Need For Critical Illness Plans?
Niva Bupa Critical Illness (Pros)
Covers 20 critical illness
Accident care benefits
Direct claim settlement
Niva Bupa Critical Illness (Cons)
Cosmetic procedures not covered
Self-harm not covered
Obesity-related treatments not covered
Niva Bupa Critical Illness (Other
Benefits)
Cataract treatments
Domestic emergency evacuation
Compassionate travel
Niva Bupa Critical Illness (Eligibility
Criteria)
Entry age: 18 - 65 Years
SI: 5 L - 5 Cr
Policy Term: 1/2/3 Years
Initial Waiting Period: 90 Days
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
Niva Bupa Criti Care - Crititcare Illness Plan : FAQs
1. Do I really need a Max Bupa Crititcare?
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.
2. Do I need to undergo a Pre-medical checkup before buying Max Bupa Critical Illness?
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.
3. Does Max Bupa Critical Illness offers any Tax Benefits?
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.
Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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