Personal Accident Care Plan
  • Child Education
  • Funeral Expenses Cover
  • TTD/PTD Cover
Personal Accident Care Plan
Network hospitals

Network hospitals

10263+

Incurred claim ratio

Incurred claim ratio

100%

Sum insured

Sum insured

Up to 2 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.7

Pan India Presence

Pan India Presence

320+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Personal Accident Care Plan

Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-based healthcare services provider with over 60 years of experience in the insurance industry. This partnership combines international healthcare with local expertise to offer comprehensive insurance plans covering various risks, including health and personal accidents. It is regarded as one of the most reliable insurance companies in India with a claim settlement ratio of 99.99%.

Since accidents are impossible to foresee and when they do happen, they can drain your bank account. It is advisable to have a good health insurance plan to preserve your finances and the future of your family. Niva Bupa Personal Accident Care covers various risks associated with accidents that can change an individual's life and affect their loved ones. This plan includes coverage for accidental death, permanent total disability, permanent partial disability, child education benefits, and funeral expenses.

Niva Bupa Health Insurance Detailed Review

Personal Accident Care Plan

Personal Accident Care Plan Specifications

To understand Personal Accident Care Plan Insurance in detail, take a look at the below table:

Entry Age

Adult Entry Age Minimum-18 Maximum-65, For Dependent Child (Max 2 Kids) Minimum-2 Maximum-21

Policy Type

Individual and Family Health Insurance

Sum Insured

5 lakh to 25 Lakhs 30 Lakhs to 5 Crore

Initial Waiting Period*

No Waiting Period Days

Renewability

Lifelong

Policy Term

1/2/3 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.

Niva Bupa Personal Accident Plan Coverage Allocations Table

Family /Individual Percentage Allocations
Self 100% of the Sum Assured
Spouse 50% of the Sum Assured or Rs 10 Lakhs whichever is lower.
2 Children 20% of the Sum Assured or Rs 2 lakhs whichever is lower.

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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.

Features of Niva Bupa Accident Care Plan

The plan offers a variety of unique features to ensure that customers are well-protected in case of accidents. Here are some of its important benefits:

  • Guaranteed Cash Benefit:
    With the Niva Bupa Personal Accident Care plan, customers can receive guaranteed cash benefits that are permissible under the policy terms and conditions.
  • Coverage from Day One:
    The plan provides coverage from the very first day of the policy period, ensuring that customers are protected immediately. There is no waiting period.
  • Enhanced Protection
    Niva Bupa Personal Accident Care provides additional options for comprehensive coverage, the policyholder can opt between temporary total disability and accidental hospitalization.
  • Tenure Options-
    Niva Bupa Accident Care also provides two- and three-year plan options, the plan offers tenure with discounts of 12.5 years for two years and 15% for three years.
  • Choose Sum Assured-
    You can choose from a number of different sum insured alternatives the insurer offers according to your level of risk.
  • Direct Claim Settlement:
    Claims are processed by the company's in-house service team, ensuring that customers receive timely and hassle-free claim settlements.
  • Lifetime Renewability:
    Customers can enjoy lifetime renewability under the Niva Bupa Personal Accident Care, ensuring that they are protected for life.
  • Worldwide Coverage:
    The plan provides coverage for accidents that occur worldwide, making it ideal for frequent travelers.
  • Free Look Period:
    Customers can avail of a free look period of 15 days to review the policy and make changes as required.

Exclusions of Niva Bupa Accident Care

Understanding the coverage and benefits offered by the Niva Bupa Accident Care plan requires a detailed reading of the terms and conditions. It is also significant to keep in mind that the policy may be subject to certain exclusions or limitations. Lets us have a look at a few exclusions:

  • Pre-existing conditions:
    Any medical condition that the policyholder had before purchasing the policy will not be covered. This means that if the policyholder suffers an accident that is related to a pre-existing condition, they will not be able to claim the benefits.
  • Intentional harm:
    If the policyholder causes an accident intentionally, they will not be covered. For example, if the policyholder gets into a fight and intentionally injures someone, they will not be able to claim the benefits.
  • Illegal activities:
    If the policyholder suffers an accident while engaging in illegal activities, they will not be covered. This includes activities such as driving under the influence of drugs or alcohol and participating in illegal street races.
  • Self-harm:
    If the policyholder intentionally harms themselves, they will not be covered. This includes attempted suicide or self-inflicted injuries.
  • War and terrorism:
    If the policyholder suffers an accident due to war or terrorism, they will not be covered. This is because such events are considered to be beyond the control of the insurance company.
  • Dangerous sports and activities:
    If the policyholder suffers an accident while participating in dangerous sports or activities such as skydiving, bungee jumping, or mountain climbing, they will not be covered.
  • Professional sports:
    If the policyholder suffers an accident while participating in professional sports, they will not be covered. This is because professional sports carry a higher risk of injury.
  • Medical procedures:
    If the policyholder suffers an accident while undergoing a medical procedure, they will not be covered. This includes cosmetic procedures and experimental treatments.

Niva Bupa Accident Care Benefits

  • Accidental Death Coverage
    Niva Bupa Personal Accident Care provides 100% accidental death coverage, the company reimburses the full amount of the insurance policy in the event of the accidental death of the insured individual.
  • Permanent Total Disability Coverage
    If the insured person is unable to work or has total and permanent loss of any body part, the Niva Bupa Accident Care Plan covers 125% of the sum insured, under permanent total disability coverage. Let's look at a few total disability scenarios when the insured person experiences job loss:
    • Unable To Work: Due to the accident, the insured individual will not be able to work at any time during his lifetime in any occupation or employment.
    • Loss of limbs or sight: This refers to the insured person experiencing a complete and permanent loss of the use of two limbs, both eyes, or both eyes and one limb.
    • Loss of independence: This includes situations where the covered person is unable to carry out three or more chores on their own, such as dressing, feeding, mobility, toileting, transferring, and washing.
  • Permanent Partial Disability Coverage
    The amount of compensation for PPD coverage in Niva Bupa Accident Care may vary depending on the extent of the disability and the terms and conditions of the policy. Typically, the compensation is calculated as a percentage of the total sum insured, and the percentage may be determined based on a schedule of benefits specified in the policy.
  • Child Education Benefits Coverage
    In case of accidental death or permanent total disability, the dependent child gets the education benefit. The company provides 5% of the sum assured or INR 50,000, whichever is lower.
  • Funeral Expenses Coverage
    Niva Bupa's personal accident care plan includes payment of INR 5,000, as the funeral expenses in case of accidental death of the insured person.

Temporary Total Disability Coverage Table of Niva Bupa Personal Accident Plan

It is a condition where the insured person suffers from a bodily injury resulting from an accident, which renders them unable to engage in any type of employment or occupation, whether or not it is related to their usual work, training, or education. Here is the coverage table:

Optional Benefits available under Accident Care
Temporary Total Disability (TTD)* Sum Insured available 1,000,000 2,000,000
Temporary Total Disability Benefits 1% of Sum Insured (SI) per week, Max upto 100 weeks
TTD Sum Insured (SI) not to exceed 2 times of annual income
Surgical Operations Covered Upto Accident Hospitalization Limit
Nursing Care, Drugs and Surgical Dressing
Medical Practitioners/ Surgeon's Fee
Room Rent
Operation Theater Charges
Anesthetics Fee (Including Administration)
X-Ray Examination or Treatment's (Including CT)
Diagnostic's Procedures and Therapies
Prosthetic Implant
Emergency Ambulance Limited to Rs. 2,000 per claim
Physiotherapy Limited to 10% of Accidental Hospitalization Limit

Permanent Partial Disability Coverage List of Niva Bupa Personal Accident Plan

The specific list of permanent partial disabilities and their corresponding percentage of coverage under an insurance policy can vary depending on the policy and the insurer. However, here is a general list of permanent partial disabilities and their corresponding percentage of coverage:

  Type of Partial Permanent Disability Percentage of the Sum Insured
1. Loss of use of both hands or loss of function in the wrist joint 100%
2. Loss of use of both feet or loss of function in the ankle joint 100%
3. Loss of use of one hand from the wrist joint and one foot from the ankle joint for the rest of one's life 100%
4. Permanent loss of vision in one eye, as well as loss of one hand from the wrist joint. 100%
5. Total and permanent blindness in one eye, as well as loss of use of one foot from the ankle joint. 100%
6. Permanent blindness in one eye, as well as loss of function of one foot from the ankle joint. 100%
7. Permanent loss of speech and hearing in both ears 100%
8. Permanent loss of hearing in both ears 50%
9. Quadriplegia 100%
10. Permanent loss of use of one hand from the wrist joint 50%
11. Permanent loss of use of one foot from the ankle joint 50%
12. Permanent loss of sight in one eye. 50%
13. Permanent loss of speech 50%
14. Uniplegia 25%

Conclusion

Niva Bupa Personal Accident plan covers all sorts of accidental injury, death incidents, and other related conditions. For more information of this plan, contact 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:

Critical Illness Health Insurance

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)

Niva Bupa Critical Illness
  • Covers 20 critical illness
  • Accident care benefits
  • Direct claim settlement

Niva Bupa Critical Illness (Cons)

Niva Bupa Critical Illness
  • Cosmetic procedures not covered
  • Self-harm not covered
  • Obesity-related treatments not covered

Niva Bupa Critical Illness (Other Benefits)

Niva Bupa Critical Illness
  • Cataract treatments
  • Domestic emergency evacuation
  • Compassionate travel

Niva Bupa Critical Illness (Eligibility Criteria)

Niva Bupa Critical Illness
  • Entry age: 18 - 65 Years
  • SI: 5 L - 5 Cr
  • Policy Term: 1/2/3 Years
  • Initial Waiting Period: 90 Days

Individual and Family Health Insurance

"Introducing a health insurance that rewards you for starting young." A plan that allows you to go for overseas treatment. Several health insurance p...

Unique Features

  • Global Treatment
  • Provides Maternity Cover
  • Lock the Clock

Niva Bupa Aspire Plan (Pros)

Niva Bupa Aspire Plan
  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

Niva Bupa Aspire Plan
  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

Niva Bupa Aspire Plan
  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

Niva Bupa Aspire Plan
  • Entry age - 18 years
  • Max entry age - No age limit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Individual and Family Health Insurance

With all the haze of 'this policy is not gonna work for every medical emergency', don't get fooled again. Niva Bupa Arogya Sanjeevani health policy is...

Unique Features

  • COVID-19 treatment coverage
  • Pre and post-hospitalisation cover
  • Lower co-pay on your claims

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • COVID-19 coverage
  • Cumulative bonus
  • AYUSH treatment
  • Room rent cover
  • Preventive health check-ups

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No maternity cover
  • COVID-19 care not covered
  • Home care treatment is not covered
  • OPD not covered
  • Ambulance cover not available

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Individual & family floater plan
  • Cashless claim settlement
  • Upto 2 Cr SI
  • Premiums are affordable

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Min. Entry Age - 3 Months - 25 Years
  • Adult Entry Age - 18 - 65 Years
  • SI - 50000 - 10 L
  • Initial Waiting Period - 30 Days

Top Up and Super Top Up

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...

Unique Features

  • Get covered for HIV/AIDS
  • Loyalty addition of 5% on SI
  • Discounts on pharmacy and diagnostic services

Niva Bupa Health Recharge (Pros)

Niva Bupa Health Recharge
  • Loyalty addictions up to 50%
  • Pharmacy and diagnostic services
  • Personal accident cover
  • Easy plan convertibility
  • Easy plan convertibility
  • Day care treatment coverage

Niva Bupa Health Recharge (Cons)

Niva Bupa Health Recharge
  • Maternity treatment not covered
  • Pre-exisiting diseases not covered
  • Alcoholism not covered
  • Dietary supplements not covered
  • No COVID-19 cover

Niva Bupa Health Recharge (Other Benefits)

Niva Bupa Health Recharge
  • Intensive care unit charge
  • Domiciliary treatment
  • HIV/AIDS treatment covered
  • Artificial life maintenance benefits
  • Room rent per day up to 1%

Niva Bupa Health Recharge (Eligibility Criteria)

Niva Bupa Health Recharge
  • Min- 18 years
  • Max- 65 years

Individual and Family Health Insurance

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...

Unique Features

  • Personal accident coverage
  • Home health care cover
  • Early age AdvantAGE benefit

Niva Bupa GoActive (Pros)

Niva Bupa GoActive
  • Pharmacy and diagnostic services
  • Domiciliary hospitalisation
  • Personal accident benefits
  • Refill benefits
  • Daily health coaching

Niva Bupa GoActive (Cons)

Niva Bupa GoActive
  • Maternity benefit not available
  • Adventure sports not covered
  • HIV/AIDS not covered
  • Cosmetic surgery not covered
  • War injuries not covered

Niva Bupa GoActive (Other Benefits)

Niva Bupa GoActive
  • Behavioural Assistance Program
  • Alternative treatment
  • I-Protect options to increase SI
  • 2% ICU cover per day. No room rent capping

Niva Bupa GoActive (Eligibility Criteria)

Niva Bupa GoActive
  • Min. Entry age- 18 Years
  • Max. Entry Age- 65 Years
  • SI - 4 - 10 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

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)

Niva Bupa Super Saver Policy
  • Annual health check-up included
  • Pharmacy and diagnostic services included
  • Domiciliary treatment covered

Niva Bupa Super Saver Policy (Cons)

Niva Bupa Super Saver Policy
  • Investigation and evaluation not included
  • Any conflict or disaster not included
  • Maternity expenses is excluded

Niva Bupa Super Saver Policy (Other Benefits)

Niva Bupa Super Saver Policy
  • Lifetime renewability
  • Unlimited e-consultations
  • Cover for modern treatments

Niva Bupa Super Saver Policy (Eligibility Criteria)

Niva Bupa Super Saver Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • SI - 10.5 L - 1 Cr
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

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)

Niva Bupa Money Saver Plan
  • 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 Money Saver Plan (Cons)

Niva Bupa Money Saver Plan
  • Oral or dental treatment not covered
  • Cure and rehabilitation not covered
  • Incidental diagnostic procedures not covered

Niva Bupa Money Saver Plan (Other Benefits)

Niva Bupa Money Saver Plan

Niva Bupa Money Saver Plan (Eligibility Criteria)

Niva Bupa Money Saver Plan
  • Minimum- 3 Months Maximum- 65 Years

Individual and Family Health Insurance

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...

Unique Features

  • Coverage for Modern Treatments
  • Live Healthy Benefit
  • Get Personal Accident Coverage

Niva Bupa ReAssure Plan (Pros)

Niva Bupa ReAssure Plan
  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Niva Bupa ReAssure Plan (Cons)

Niva Bupa ReAssure Plan
  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Niva Bupa ReAssure Plan (Other Benefits)

Niva Bupa ReAssure Plan
  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Niva Bupa ReAssure Plan (Eligibility Criteria)

Niva Bupa ReAssure Plan
  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

The Smart Just Got Smarter The all-new, improved and comprehensive plan that will keep you and your family, financially secure during any unexpected m...

Unique Features

  • No-claim Bonus up to 100% of SI
  • No Room Rent Capping
  • Vaccination for Animal Bite

Niva Health Companion (Pros)

Niva Health Companion
  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of upto 15 %
  • Annual Aggregate Deductible
  • Home Care Treatments

Niva Health Companion (Cons)

Niva Health Companion
  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 yrs
  • No Alcoholism Cover

Niva Health Companion (Other Benefits)

Niva Health Companion
  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Niva Health Companion (Eligibility Criteria)

Niva Health Companion
  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

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)

Niva Bupa Reassure 2.0 Health Plan
  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Niva Bupa Reassure 2.0 Health Plan (Cons)

Niva Bupa Reassure 2.0 Health Plan
  • 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)

Niva Bupa Reassure 2.0 Health Plan
  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Niva Bupa Reassure 2.0 Health Plan (Eligibility Criteria)

Niva Bupa Reassure 2.0 Health Plan
  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

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)

Niva Bupa Health Premia Plan
  • 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)

Niva Bupa Health Premia Plan
  • 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)

Niva Bupa Health Premia Plan
  • 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)

Niva Bupa Health Premia Plan
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

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...

Unique Features

  • Know About Max Bupa Health Pulse Plan
  • Eligibility and Age Restrictions
  • Learn More About Its Key Features

Niva Bupa Health Pulse (Pros)

Niva Bupa Health Pulse
  • Optional benefits available
  • 150% Refill Benefit
  • Annual Health Checkup
  • Emergency Ambulance
  • Living Organ Donor Benefit

Niva Bupa Health Pulse (Cons)

Niva Bupa Health Pulse
  • Conflict and Disaster cases
  • 20% co-payment
  • No Maternity Benefit
  • Cosmetic surgeries
  • Treatment for Alcoholism

Niva Bupa Health Pulse (Other Benefits)

Niva Bupa Health Pulse
  • Operation Theatre Coverage
  • Modern Treatments
  • Personal Accident Cover
  • e-Consultation
  • Daily Hospital Cash

Niva Bupa Health Pulse (Eligibility Criteria)

Niva Bupa Health Pulse
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25
  • Waiting Period - 30 Days

Senior Citizen Health Insurance

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)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • 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)

Niva Bupa Senior First Plan
  • Min. Entry Age - 61 Years
  • Max. Entry Age - 75 Years
  • SI - 5 - 25 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Niva Bupa, formerly known as Max Bupa, is a leading health insurance company in India with a collaboration between Max India Limited and Bupa, a UK-ba...

Unique Features

  • Child Education
  • Funeral Expenses Cover
  • TTD/PTD Cover

Personal Accident Care Plan (Pros)

Personal Accident Care Plan
  • Child education benefit
  • Funeral expenses covered
  • Total and partial disability covered

Personal Accident Care Plan (Cons)

Personal Accident Care Plan
  • Adventure sports not covered
  • No coverage for cosmetic procedures
  • Self-harm not covered

Personal Accident Care Plan (Other Benefits)

Personal Accident Care Plan
  • Lifetime renewability offered
  • Long-term discounts
  • High sum insured options

Personal Accident Care Plan (Eligibility Criteria)

Personal Accident Care Plan
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 65 Years
  • SI - 5 L - 5 Cr
  • Initial Waiting Period - 30 Days

Critical Illness Health Insurance

CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses! The critical illness can be contagi...

Unique Features

  • Enhanced Coverage
  • Eligibility
  • Sample Premium

Criti Care Plan (Pros)

Criti Care Plan
  • 20 critical illnesses covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • DIrect claim settlement

Criti Care Plan (Cons)

Criti Care Plan
  • Accident death
  • No total disability cover
  • AIDS not covered
  • Child education benefit
  • Funeral expenses

Criti Care Plan (Other Benefits)

Criti Care Plan
  • Flexibility plan options
  • Surgeon fees covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic implants covered

Criti Care Plan (Eligibility Criteria)

Criti Care Plan
  • Min- 18 years
  • Max- 65 years

Niva Bupa Accident care: FAQs

1. What is the maximum number of dependent children that can be covered under Niva Bupa Accident Care?

A maximum of 2 dependent children are covered under Niva Bupa Accident Care Plan.

2. A maximum of 2 dependent children are covered under the Niva Bupa Accident Care Plan.

The money is deposited into the insured person’s account 90 days after the occurrence of the event.

3. What Happens if the insured person dies before a claim has been processed under this Niva Bupa Personal Accident care plan?

No funds will be transferred to the insured person’s account if they pass away prior to the processing of a claim under this accident care plan.

4. What is the Niva Bupa Accident Care discount for the 2 and 3 year plan terms?

The plan offers discounts of 12.5% for two years and 15% for three years.

5. Does Niva Bupa Accident Care cover Prosthetic Implantation?

Prosthetic implantation is covered by this plan, and the costs are reimbursed up to the policy’s accident hospitalization maximum.

6. Do the emergency ambulance charges get covered by Niva Bupa Accident Care?

Yes, emergency ambulance charges are covered by Niva Bupa Accident Care, which is limited to Rs. 2,000 per claim.

7. Does Niva Bupa Accident Care pay the costs associated with accidental hospitalization?

Yes, this plan pays the costs associated with accidental hospitalization which is covered up to the accident hospitalization limit of the policy.

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Himanshu Kumar

Written By: Naval Goel

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.