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The Niva Bupa Personal Accident Plan is designed to provide financial support in case of accidents. It offers a lump sum payout for accidental death or disability, and weekly income support if you are unable to work due to injury. The plan also includes ambulance cover and a daily hospital cash benefit to help manage immediate expenses after an accident.
It is important to understand that this is not a regular health insurance plan. It does not cover illnesses or most routine medical expenses. In the sections below, we have clearly explained what is covered and what is not, so you know exactly what to expect.
| PLAN DETAILS |
Personal Accident Plan |
Kotak Group Accident Protect Health Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | 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 | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 22600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not 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.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Applicable |
| Plan Entry Age | Adult Entry Age: Minimum: 18 years, Maximum: 65 years. For Dependent Children (Maximum 2): Minimum: | 5 years to 65 Years |
| Plan Premium Entry Age and S/A | - | Not Available |
| Plan Waiting Period | No Waiting Period | NA |
| Plan Coverage | - | Individual |
| Plan Sample Premium | - | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1,2,3 Years |
| ICU Charges | Not Covered | Not Covered |
| Covid-19 Treatment | Not Covered | Not Covered |
| Cataract | Not Covered | Not Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 94.4 | 96.4 |
| Solvency Ratio | 3.03 | 5.73 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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