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CritiCare, a plan that gives health and financial protection to you and your family against 20 critical illnesses!
Critical illness can be a threat to life and a family's financial security. To protect your finances in such times, Niva Bupa has developed the CritiCare Critical Illness plan, which provides coverage against 20 listed critical illnesses.
Consider the following data:
According to the Global Burden of Disease Research, medical conditions, including heart-related diseases and strokes, resulted in 2.5 million fatalities in India in 2019, disproportionately affecting the younger generation. 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 crucial to be aware of these life-threatening diseases and take preventive actions.
Note: This report is quoted from a credible BFSI article.
The Niva Bupa CritiCare Policy is designed for individuals diagnosed with any of the listed 20 critical illnesses, protecting their savings from being depleted by expensive medical treatments. However, if a critical illness is diagnosed before purchasing the policy, it is considered a pre-existing condition and 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 Niva Bupa'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. This guide also covers eligibility options, coverage specifications, exclusions, and more, enabling you to make an informed decision.
| PLAN DETAILS |
Criticare Plan |
Optima Lite Health Insurance Plan |
| Product Type | Critical Illness Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | - |
| Plan Entry Age | Adults - 18 -65 years | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 17,765 | - |
| Plan Waiting Period | 90 days to 4 years | 30 days |
| Plan Coverage | AccidentCare cover, CritiCare cover, HospiCash cover | - |
| Plan Sample Premium | 17,765 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year, 2 year, 3 years | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not Covered | Not Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 94.4 | 95.30 |
| Solvency Ratio | 3.03 | 2.00 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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