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Niva Bupa CritiCare Health Insurance

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Niva Bupa Health Insurance
CritiCare Policy
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio90.70%
Network Hospitals10,000+
Pre-existing Disease Coverage FromDay 1
Special BenefitsUnlimited restoration
Starting Premium for Rs. 5 lakhs SIRs. 550/month

About Niva Bupa CritiCare Health Insurance

CritiCare Policy by Niva Bupa Health Insurance offers you financial assistance in case you are diagnosed with any of the 20 listed critical illnesses. The policy pays you a lump sum amount on diagnosis of any of these illnesses. It covers you for the most common illnesses that occur amongst Indians such as heart attack, stroke, kidney failure, cancer, open chest CABG, and heart replacement or repair of heart valves. Apart from this, the policy also provides you an additional 10% of the sum insured every year for the subsequent 5 years. You can buy the policy if you are aged between 18 years and 65 years for sum insured options ranging between Rs. 3 Lakh and Rs. 2 crore.

Apart from the coverage benefits, the policy offers lifetime renewability benefits as well. Also, on the premium paid for this policy, you can avail of tax benefits as per the Income Tax Act, 1961. You can buy this policy for 1 year, 2 years, or 3 years as per your budget and other requirements. Kindly note that the policy comes with a waiting period of 90 days after which you would not be able to avail coverage benefits.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-house claim settlement without any involvement of third party
  • Lump sum payout paid at the time of claim
  • Pre-existing diseases covered after waiting period is covered
  • Affordable premium on choosing 2 or 3 year policy term
  • Cover for 20 listed critical illnesses

What's Not Included

  • Expenses arising due to the insured committing any breach of law
  • Expenses related to artificial life maintenance
  • Injuries due to air force, naval, military, or radioactivities
  • Expenses due to participation in any adventure sports
  • Treatment for HIV/AID or related diseases

10059 Niva Bupa Cashless Network Hospitals in India

Claim Process at Niva Bupa Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on CritiCare Policy Health Insurance Plan

  • How many critical illnesses am I covered for, under this policy?

    CritiCare Policy covers you for 20 critical illnesses, some of which include Open Chest CABG, cancer of specified severity, coma of specified severity, end stage liver disease, end stage lung disease, loss of speech, deafness, motor neuron disease with permanent symptoms, and major organ or bone marrow transplant. 

  • What is the eligibility for CritiCare Policy offered by Niva Bupa Health Insurance?

    The minimum and maximum age limit for CritiCare Policy is 18 years and 65 years respectively. 

  • What are the sum insured options for this policy?

    CritiCare Policy comes with a wide range of sum insured options between Rs. 3 Lakh and Rs. 2 crore which you can choose as per your budget and requirement. Note that higher sum insured comes with higher premiums but will offer greater benefits too. 

  • What are the waiting periods under this policy?

    CritiCare Policy comes with a waiting period of 90 days. This means that if the signs and symptoms of any listed critical illness begin within the initial 90 days of the policy purchase, then you will not be covered for them. 

  • What is the policy tenure for CritiCare Policy?

    CritiCare Policy can be purchased for 1 year, 2 years, or 3 years, as per your budget and requirement. 

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