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Max Bupa Critical Illness
12,521
VS
786-1730279051.webp){kind=logo}
Hdfc Ergo Optima Secure
6525
In today's fast-paced world, health risks, including chronic life-threatening diseases, are rapidly increasing. Critical illnesses can affect anyone, regardless of age, causing significant financial, physical, and emotional distress. Having strong critical illness insurance coverage is crucial because treatment for these diseases is often prolonged and expensive. For such scenarios, insurance providers offer critical illness plans. One such plan is the Niva Bupa Critical Illness policy. This article discusses the features, advantages, and coverage of the Niva Bupa Critical Illness Plan, highlighting why it is a good option for critical illness coverage.
Critical illness insurance provides financial assistance to policyholders upon diagnosis of a life-threatening medical condition that requires substantial funds for treatment. Unlike typical health insurance, critical illness coverage pays out a lump sum amount upon diagnosis of a covered disease or condition. This payment can be used to cover treatment costs, therapies, medical bills, lost wages due to lifestyle changes, and other related expenses.
Applicants must meet the following criteria:
| PLAN DETAILS |
Max Bupa Critical Illness |
Hdfc Ergo Optima Secure |
| Premium Including GST | ||
| Product Type | Critical Illness Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | 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 | Min- 18 years, Max- 65 years | 18 years to No Maximum Limit |
| Plan Premium Entry Age and S/A | 12,521 | 6525 |
| Plan Waiting Period | 90 days | 30 days |
| Plan Coverage | Upto 20 critical illnesses | Individual/ Family Floater |
| Plan Sample Premium | 12,521 | 6525 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1/2/3 years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Covered |
| Air Ambulance | - | Covered |
| Global Coverage | - | Covered |
| Claim Ratio | 98 | 95.30 |
| Solvency Ratio | 3.03 | 2.00 |
|
Niva Bupa Health Insurance Plan Detailed Review HDFC ERGO Optima Secure Health Plan 2024 |
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