Niva Bupa Critical Illness Plans
Critical illnesses are defined as long-term, life-threatening medical conditions. Due to the extended healing period, they are among the most financially and physically taxing illnesses a person can suffer from. Critical illnesses include, but are not limited to, cancer, kidney failure, paralysis, and heart attacks.
In addition to offering a specific plan, Niva Bupa Health Insurance covers critical illness as an add-on. Niva Bupa Health Insurance has a unique critical illness coverage called CritiCare. One of the greatest critical illness plans in the nation is Niva Bupa CritiCare, which offers an insured value between Rs. 3 lakh and Rs. 3 crore. Following a first ninety-day waiting period, they cover twenty serious illnesses.[1]
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Benefits of Niva Bupa Critical Illness Cover
The key features offered by the Niva Bupa CritiCare Plan are given below:[1]
- Broad Coverage: A wide range of critical illnesses is covered by the Niva Bupa health insurance plan. The plan offers financial assistance to aid with medical costs if you are diagnosed with any of these illnesses.
- Hospital Cash: For each day that you are admitted to the hospital, you are given a set sum of money. This assists in defraying the additional expenses associated with hospital stays.
- Lifetime Renewability: Regardless of your age, you can continue to purchase this plan and renew it annually for the remainder of your life.
- Long-Term Discount: You can save money by purchasing the plan for several years at once instead of renewing it annually if you wish to do so.
- Accident Care: This plan offers additional financial assistance to help with medical bills and rehabilitation if you sustain injuries in an accident.
- Benefit from the Income Tax Act: If you choose Niva Bupa Health Insurance's critical illness plan, you may be eligible for advantages under the Income Tax Act that lower your taxable income.
- Free Look Period: You have a predetermined amount of days to examine the plan after purchasing it. During this time, you can cancel and receive a refund if you decide it's not for you.
Niva Bupa Critical Illness Coverage and Limits
Customers of the Niva Bupa Critical Illness Cover & Plan have access to more than 20 different illnesses to pick from.
The following table shows the coverage and limits offered by the Niva Bupa CritiCare Plan:[1]
Inclusions | Exclusions |
20 critical illnesses | War |
Accidental Care (Optional) | Self Injury |
Free Look Period | Substance Abuse |
Tenure of up to 3 years | HIV/AIDS |
Treatments before the waiting period for the mentioned critical illnesses in the plan | |
Adventure Sports | |
Breach of Law |
The Critical Illnesses covered under the CritiCare health insurance plan:[1]
- Cancer of specified severity
- Open chest CABG
- First heart attack of specified severity
- Open heart replacement or repair of heart valves
- Stroke resulting in permanent symptoms
- Permanent paralysis of limbs
- Coma of specified severity
- Kidney failure requiring regular dialysis
- Major organ/bone marrow transplant
- Motor neurone disease with permanent symptoms
- Multiple sclerosis with persisting symptoms
- End-stage liver disease
- End-stage lung disease
- Major burns
- Loss of speech
- Deafness
- Aplastic anemia
- Bacterial meningitis
- Fulminant viral hepatitis
Eligibility Criteria for Niva Bupa Critical Illness Plan And Add-on
The plan may be obtained by adults who are at least 18 years old and no older than 65 years. You can consult an advisor from InsuranceDekho or Niva Bupa Health Insurance for further details.[1]
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- Parents
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How to Add Critical Illness Cover as an Add-On on the Niva Bupa Health Insurance
You can purchase the Niva Bupa CritiCare Plan both online and offline with the steps given below:
Online Process
From InsuranceDekho:
Step 1: Go to the official InsuranceDekho website.[2]
Step 2: Enter your information.
Step 3: Choose the Niva Bupa CritiCare Plan.
Step 4: Complete the payment to complete the purchase.
Step 5: To confirm the policy issue, an InsuranecDekho advisor will give you a call.
From Niva Bupa Health Insurance:
Step 1: Visit the Niva Bupa official website.[3]
Step 2: Fill in your number to proceed.
Note: You can also purchase the plan through Niva Bupa’s Mobile App. It can be downloaded through the website or from the Play Store.
Offline Process
Contact an expert at InsuranceDekho at 7551196989 to acquire a health insurance policy. Additionally, InsuranceDekho provides clients with in-house support so they can have all of their questions and concerns answered.[4]
Documents Required
- Voter ID Card
- Pan Card
- Aadhaar Card
- Driving Licence
- Passport
- Birth Certificate
- 10th or 12th Mark Sheet
Niva Bupa Critical Illness Customer Care & Assistance
To connect with the customer services of either InsuranceDekho or Niva Bupa Health Insurance follow the options below:
InsuranceDekho
Email: support@insurancedekho.com[4]
Helpline Number: 7551196989
Niva Bupa Health Insurance
Email: https://rules.nivabupa.com/customer-service/?page=grievance[5]
Helpline Number: 1800 309 3333
References
[1]https://www.nivabupa.com/critical-illness-insurance.html
[2]https://www.insurancedekho.com/
[3]https://www.nivabupa.com/
[4]https://www.insurancedekho.com/contact-us
[5]https://www.nivabupa.com/health-insurance-articles/niva-bupa-customer-care-number.html
FAQs
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Can I purchase Niva Bupa critical illness insurance as a standalone policy?
Yes, you can purchase Niva Bupa critical illness insurance as a standalone policy.
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Are there any age restrictions for enrolling in Niva Bupa critical illness insurance?
Yes, there are age restrictions available for enrolling in Niva Bupa critical illness insurance. The age requirement for adults is between 18 years and 65 years and for children it is from day 1 to 21 years old.
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Can I pay an extra premium to waive the waiting period for critical illness claims?
Yes, you can waive the waiting period for critical illness claims by paying an extra premium for the health insurance.
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Can I add family members to my critical illness insurance policy with Niva Bupa Health?
Yes, you can add your family members to the critical illness policy of Niva Bupa Health Insurance.