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+
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.
To understand Personal Accident Care Plan Insurance in detail, take a look at the below table:
Adult Entry Age Minimum-18 Maximum-65, For Dependent Child (Max 2 Kids) Minimum-2 Maximum-21
Individual and Family Health Insurance
5 lakh to 25 Lakhs 30 Lakhs to 5 Crore
No Waiting Period Days
Lifelong
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.
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. |
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.
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:
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:
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 |
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% |
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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
A maximum of 2 dependent children are covered under Niva Bupa Accident Care Plan.
The money is deposited into the insured person’s account 90 days after the occurrence of the event.
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.
The plan offers discounts of 12.5% for two years and 15% for three years.
Prosthetic implantation is covered by this plan, and the costs are reimbursed up to the policy’s accident hospitalization maximum.
Yes, emergency ambulance charges are covered by Niva Bupa Accident Care, which is limited to Rs. 2,000 per claim.
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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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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February 5, 2023
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