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Personal Accident Plan
VS
Critical Care Plan
4088
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 benefits, and funeral expenses.
| PLAN DETAILS |
Personal Accident Plan |
Critical Care Plan |
| Premium Including GST | ||
| Product Type | Individual and Family 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) |
- | 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 | 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) |
- | 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) |
- | 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 | Adult Entry Age Minimum-18 Maximum-65, For Dependent Child (Max 2 Kids) Minimum-2 Maximum-21 | 18 to 65 years |
| Plan Premium Entry Age and S/A | - | 4088 |
| Plan Waiting Period | No Waiting Period | 90 |
| Plan Coverage | - | Individual & Family floater cover |
| Plan Sample Premium | - | 4088 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3 years |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | 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 | - | Not Covered |
| Claim Ratio | 98 | 98 |
| Solvency Ratio | 3.03 | 1.76 |
|
Niva Bupa Health Insurance Plan Detailed Review Manipal Cigna Health Insurance Plan Detailed Review |
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