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Max Bupa Critical Illness
12,521
VS
Icici Lombard Saral Suraksha Bima
224
In today's fast-paced world, health dangers are rapidly increasing, including chronic life-threatening diseases. Anyone, regardless of age, can face a critical illness, which can be financially, physically, and emotionally distressing. Strong critical illness insurance coverage is crucial, as treating these diseases often involves lengthy and expensive procedures. For such scenarios, insurance providers offer critical illness plans, like the Niva Bupa Critical Illness policy.
This article discusses the features, advantages, and coverage of the Niva Bupa Critical Illness Plan, highlighting why it's a good option for critical illness protection.
Critical illness insurance provides financial assistance to policyholders upon diagnosis of a life-threatening medical condition requiring significant 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 for any treatment-related costs, including medical bills, lost wages due to lifestyle changes, and more.
The applicant should consider the following criteria:
| PLAN DETAILS |
Max Bupa Critical Illness |
Icici Lombard Saral Suraksha Bima |
| Premium Including GST | ||
| Product Type | Critical Illness Health Insurance | Accident 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) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Not 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.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Applicable |
| Plan Entry Age | Min- 18 years, Max- 65 years | Child: 3 months - 25 years, Adult: 18 - 70 years |
| Plan Premium Entry Age and S/A | 12,521 | 224 |
| Plan Waiting Period | 90 days | NA |
| Plan Coverage | Upto 20 critical illnesses | Accidental death cover, Permanent total disability cover, Permanent partial disability cover, Accident hospitalization expenses cover |
| Plan Sample Premium | 12,521 | 224 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1 Year |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | Not Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Covered |
| Claim Ratio | 94.4 | 97.16 |
| Solvency Ratio | 3.03 | 2.69 |
|
Niva Bupa Health Insurance Plan Detailed Review |
||
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