Niva Bupa 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 benefit, and funeral expenses.
Niva Bupa Accident Care Specifications
Adult Entry Age
Minimum-18
Maximum-65
For Dependent Child (Max 2 Kids)
Minimum-2
Maximum-21
Plan Type
Individual/ Family Floater
Initial Waiting Period
No Waiting Period
Sum Insured
5 lakh to 25 Lakhs
30 Lakhs to 5 Crore
*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.
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. |
For more plan specifications download the brochure of Niva Bupa Personal Accident Plan:
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% |
Premium Table Of Niva Bupa Personal Accident Care Plan
| Entry Age - 18 - 65 Years (All figures in Rs.) |
| Premium |
1 Adult |
2 Adult |
2 Adult + 2 Children |
| Cover |
1 Year |
2 Year |
3 Year |
1 Year |
2 Year |
3 Year |
1 Year |
2 Year |
3 Year |
| 25 Lakhs |
3,382 |
6,341 |
9,216 |
5,205 |
9,759 |
14,184 |
5,205 |
9,759 |
14,184 |
| 30 Lakhs |
4,088 |
7,665 |
11,140 |
6,040 |
11,325 |
16,459 |
6,040 |
11,325 |
16,459 |
| 50 Lakhs |
6,790 |
12,731 |
18,503 |
8,821 |
16,539 |
24,037 |
8,821 |
16,539 |
24,037 |
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.
Choose Niva Bupa Health Insurance Plan for
Explore other Niva Bupa Health Plans
Niva Bupa health insurance (formerly known as Niva Bupa Health Insurance company) provides a wide range of healthcare plans to individuals, families, and senior citizens. Niva Bupa health plans are designed to cater to the specific needs of people
such as cover for critical illness, pre-existing diseases, etc.
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
- No room rent capping
- Unlimited E-consultation available
- Pharmacy and diagnostic services
NivaBupa Health Recharge (Pros)
- Loyalty Additions up to 50%
- Pharmacy and Diagnostic Services
- Personal Accident Cover
- Easy Plan Convertibility
- Day Care Treatments Coverage
NivaBupa Health Recharge (Cons)
- Maternity Treatment not covered
- Pre-existing Diseases not covered
- Alcoholism not covered
- Dietary Supplements not covered
- No COVID-19 cover
NivaBupa Health Recharge (Other Benefits)
- Intensive Care Unit charges
- Domiciliary treatment
- HIV / AIDS Treatment Covered
- Artificial Life Maintenance Benefit
- Room Rent (per day) Up to 1%
NivaBupa Health Recharge (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2 Lakh - 95 Lakh
- Waiting Period - 30 Days
Critical Illness
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
- Daily hospital cash
- Accident care available
- Lifelong renewability
NivaBupa CritiCare (Pros)
- 20 critical illnesses Covered
- Long-term tenure savings
- Different pay-out options
- Tax benefits
- Direct claim settlement
NivaBupa CritiCare (Cons)
- Accident Death
- No Total Disability Cover
- AIDS Not Covered
- Child Education Benefit
- Funeral Expenses
NivaBupa CritiCare (Other Benefits)
- Flexibility Plan Options
- Surgeon's Fee Covered
- Renewal for life
- Diagnostic Procedures/Therapies
- Prosthetic Implants Covered
NivaBupa CritiCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 3 Cr
- Waiting Period - 30 Days
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
- Global coverage available
- Child education benefit
- Permanent Disability Cover
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
- 100% SI restoration
- Unlimited e-consultation
- No room rent capping
NivaBupa Money Saver (Pros)
- All Day Care Procedures covered
- Accumulated Bonus
- 100% Refill Benefit
- 20% cumulative bonus
- Organ Transplantation Covered
NivaBupa Money Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Money Saver (Other Benefits)
- Road Ambulance Cover
- Alternate Treatment
- Pharmacy and Diagnostic Services
- Hassle-Free Claims
- Pre & Post Hospitalisation
NivaBupa Money Saver (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 10.5 L to 1 Cr
- Waiting Period - 30 Days
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
- Coverage for modern treatments
- Multiple co-payment options
- Unlimited SI restoration
NivaBupa Senior First (Pros)
- 3 Variant Available
- No pre-issuance medical tests
- Day 1 Health Check-up
- Safeguard (Add-on)
- Day Care Treatment
NivaBupa Senior First (Cons)
- No Critical Illness Cover
- 50% Co-payment
- No Specific Diseases Covered
- No Pre-existing Disease Cover
- Self Inflicted Injuriesnot covered
NivaBupa Senior First (Other Benefits)
- ReAssure Benefit
- Domiciliary Hospitalization
- Organ Donor Benefit
- Ayush Benefit
- Annual Aggregate Deductible
NivaBupa Senior First (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
Comprehensive Plan
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
- Booster+ Benefit
- Lock premiums at entry age
- Health check-ups from day 1
Health ReAssure 2.0 Plan (Pros)
- Personal accidents covered
- Acute Care
- Emergency Ambulance
- Three Plan variants
- Home Care Treatments
Health ReAssure 2.0 Plan (Cons)
- No OPD Cover
- No Maternity Cover
- No Sleep Disorder Covered
- Pre-Existing Diseases after 3 yrs.
- Alcoholism not covered
Health ReAssure 2.0 Plan (Other Benefits)
- Air Ambulance
- Modern Treatments
- Second Opinion
- Booster Benefit
- Shared Accommodation Benefit
Health ReAssure 2.0 Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
- Covers a maximum of 6 members
- Unlimited SI restoration
- Coverage for modern treatments
Comprehensive
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
- No room rent capping
- 20% no-claim bonus on SI
- 100% SI restoration
Health Companion V2022 (Pros)
- 5% Doctor Discount
- 10% Family discount
- Tenure Discounts of upto 15 %
- Annual Aggregate Deductible
- Home Care Treatments
Health Companion V2022 (Cons)
- No OPD Cover
- No Maternity Cover
- Cosmetic Surgery Uncovered
- Specific Diseases after 2 yrs
- No Alcoholism Cover
Health Companion V2022 (Other Benefits)
- Air Ambulance
- Modern Treatments
- Vaccination on Animal Bite
- Organ Donor Benefit
- Domiciliary treatments
Health Companion V2022 (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Comprehensive
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
- Maternity Cover
- International coverage
- In-Built travel insurance
NivaBupa Health Premia (Pros)
- Refill benefit for any illness
- 10% Loyalty Additions in SI
- Tenure Discounts of upto 15 %
- Worldwide Maternity Benefit
- In-patient care
NivaBupa Health Premia (Cons)
- No OPD Cover
- No HIV/AIDS Covered
- 20% co-payment
- Pre-existing Diseases after 2 yrs
- Treatment for Alcoholism
NivaBupa Health Premia (Other Benefits)
- Zonal Coverage available
- Pharmacy and diagnostic services
- Opt for additional features
- Living Organ Donor Benefit
- Premium waiver and portability
NivaBupa Health Premia (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
- No room rent capping
- Up to 100% of SI restoration
- 20% No Claim Bonus
NivaBupa Health Pulse (Pros)
- Optional benefits available
- 150% Refill Benefit
- Annual Health Checkup
- Emergency Ambulance
- Living Organ Donor Benefit
NivaBupa Health Pulse (Cons)
- Conflict and Disaster cases
- 20% co-payment
- No Maternity Benefit
- Cosmetic surgeries
- Treatment for Alcoholism
NivaBupa Health Pulse (Other Benefits)
- Operation Theatre Coverage
- Modern Treatments
- Personal Accident Cover
- e-Consultation
- Daily Hospital Cash
NivaBupa Health Pulse (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 25 L
- Waiting Period - 30 Days
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
- Early age enrolment discounts
- Annually 10 OPD consultations
- No room rent capping
NivaBupa Go Active (Pros)
- Pharmacy and Diagnostic Services
- Domiciliary hospitalization
- Personal Accident Benefit
- Refill Benefit
- Daily health coaching
NivaBupa Go Active (Cons)
- Maternity Benefit Not available
- Adventure Sports not covered
- HIV/AIDS not covered
- Cosmetic Surgery Not Covered
- War Injuries not covered
NivaBupa Go Active (Other Benefits)
- Behavioural Assistance Program
- Alternate Treatment
- I-Protect option to increase SI
- 2 % ICU Cover (per Day)
- No Room Rent Sub Limit
NivaBupa Go Active (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 4 L to 25 L
- Waiting Period - 30 Days
Comprehensive
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
- Maternity & New born coverage
- No room rent capping
- 10% increase in SI annually
NivaBupa Heart Beat (Pros)
- Additional Coverage
- 10% Loyalty Benefit
- Annual Health Check ups
- Refill benefits
- Coverage out of hospitals
NivaBupa Heart Beat (Cons)
- Obesity Treatment not covered
- Hazardous Activities not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
NivaBupa Heart Beat (Other Benefits)
- OPD Consultations
- Alternative Treatments
- New Born Baby Cover
- Pharmacy and diagnostic services
- No WP up to 45 years
NivaBupa Heart Beat (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Affordable
An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.
Unique Features
- Up to 200% of SI as NCB
- Up to 150% of SI restoration
- Unlimited e-consultation
NivaBupa Super Saver (Pros)
- Day 1 Health check-up
- No pre-issuance medical tests
- Ambulance cover up to Rs 2000
- ReAssure Benefit
- No sub-limits
NivaBupa Super Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Super Saver (Other Benefits)
- Air Ambulance Cover
- Health Checkup
- Organ Donor Benefit
- Ayush Benefit
- Room selection Option
NivaBupa Super Saver (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
Niva Bupa Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 32 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.
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