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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 |
Manipalcigna Prime Senior Classic Plan |
| Product Type | Critical Illness Health Insurance | Senior Citizen 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) |
- | Covered |
| Plan Entry Age | Min- 18 years, Max- 65 years | 56 to 75 years |
| Plan Premium Entry Age and S/A | 12,521 | NA |
| Plan Waiting Period | 90 days | 30 |
| Plan Coverage | Upto 20 critical illnesses | Individual/Family floater/Multi-individual |
| Plan Sample Premium | 12,521 | NA |
| 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 | - | Not Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Covered |
| Air Ambulance | - | Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 94.4 | 98 |
| Solvency Ratio | 3.03 | 1.76 |
|
Niva Bupa Health Insurance Plan Detailed Review ManipalCigna Prime Senior Details |
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