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Find a plan that fits
your needs

Vast Coverage

Your policy provides coverage for 20 major critical illnesses

Long Term Discount

Avail discounts by securing your health with 2 or 3 year tenure

HospiCash (O)

Ease your financial load as your family gets daily cash allowance

Accident Care (O)

Protect yourself and your family from uncertainty of accidents

Renewal for life

Once insured with us, you will always remain our customer

Unveil the Extensive Coverage of the CritiCare Insurance Plan

Find answers to all your questions about the CritiCare insurance plan, or delve into the features of critical illness policy listed below.

Standout Features

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COVERAGE AGAINST 20 CRITICAL ILLNESSES

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Protect yourself with the critical illness insurance policy against 20 life-threatening critical diseases such as cancer, heart attack, renal failure etc.

TAX BENEFIT

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Maximise your financial benefits by saving on taxes under section 80D with a critical illness policy. Every premium payment brings you closer to significant tax deductions.

TENURE DISCOUNT

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Embrace the advantage of tenure discounts with critical illness insurance! Secure a policy for two or three years and unlock exclusive savings on the premiums for the second and third years.

DIRECT CLAIM SETTLEMENT

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Bid farewell to cumbersome intermediaries! With our Direct Claim Settlement, our dedicated customer service team will seamlessly process your claims, ensuring a hassle-free experience.

FREE LOOK PERIOD

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Experience peace of mind with our generous Free Look Period offered under critical illness insurance. Upon acquiring the health companion policy, you have up to 15 days to reassess and, if needed, cancel it with a full refund.

ASSURED RENEWAL

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Enjoy the reassurance of Assured Renewal with critical illness insurance, granting you the freedom to renew your critical illness plan indefinitely with Niva Bupa.

Diseases Covered

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20 ILLNESSES COVERED UNDER CRITICAL ILLNESS INSURANCE

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  • 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 anaemia 
  • Bacterial meningitis 
  • Fulminant viral hepatitis

Add-on Features​

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Optional Benefits
Accident Hospitalisation Limit (confined to India only) Upto 2% of AccidentCare Sum Insured
-Surgical Operations   Covered upto the Accident hospitalization limit. Claim settlement on reimbursement basis only and coverage limited to India only.
-Nursing Care, Drugs, and Surgical Dressing
-Medical Practitioner’s / Surgeon’s Fee
-Room Rent
-Operation Theatre Charges
-Anesthetics Fee (including administration) X-ray exams, or treatment including CT Scan
-Diagnostic Procedures and Therapies
-Prosthetic Implants
-Emergency Ambulance (as part of overall Sum Insured) Limited to Rs 2000/claim
-Physiotherapy (as part of overall Sum Insured) Limited to 10% of Accidental hospitalization limit

EXCLUSIONS

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PERMANENT EXCLUSIONS

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  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
  • The Insured Persons attempted suicide or self-inflicted injuries while sane or insane
  • Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person’s abuse of drugs and/or consumption of alcohol
  • Failure to seek or follow Medical Advice
  • War (whether war be declared or not), invasion, an act of foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
  • Taking part in any naval, military or air force operation during peacetime
  • Participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/water craft that is authorised by the relevant regulations to carry such passengers between established airports or ports
  • Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
  • Participation by the Insured Person in a criminal or a breach of law with criminal intent
  • Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature

PERMANENT EXCLUSIONS UNDER PERSONAL ACCIDENT INSURANCE PLANS

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  • Suicide or self-inflicted injury, whether the insured person is medically sane or insane.
  • War (whether declared or not), invasion, an act of a foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot, or civil commotion.
  • Service in the armed forces, police organisation, or in any international force or participation in any of the naval, military, or air force operations during peacetime.
  • Any change of profession after the inception of the personal accident policy which results in the enhancement of our risk if not accepted and endorsed by us on the Schedule of Insurance Certificate.
  • Committing an assault, a criminal offence, or any breach of law with criminal intent.
  • Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative, or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
  • Death or disablement caused by ionising radiation or contamination by radioactivity from any nuclear fuel.
  • Participation in aviation/marine, including crew other than as a fare-paying passenger in an authorised aircraft/watercraft.
  • Participating in professional/adventure sports or any hazardous pursuits, such as speed contests, bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, rock climbing, potholing, abseiling, deep sea diving, polo, snow, and ice sports, hunting, etc.
  • Any disability arising out of pre-existing diseases if not accepted and endorsed by us.
  • Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the personal accident policy period. However, this exclusion is not applicable to claims made under the PPD benefit.
  • Any costs or expenses specified in the List of Expenses generally excluded in Annexure II of the policy document. This is applicable only for accident hospitalisation benefits.

Why choose CritiCare?

Doctors Speak

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Embrace a life of wellness with Niva Bupa’s Critical Illness Insurance

Get insights from esteemed doctors and experts as they solve the riddles to your optimal health and reveal the hidden treasures of health insurance providing you with the apt critical illness coverage.

Calculate Medical Expenses

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Financial Calculator Benefit

Painless renewals

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Assured plan renewal for life

Get up to 20% off on renewals for staying healthy

Get cashless health check annually

Assured policy renewal with no extra loading

Get 20% more coverage for every claim-free year

Hassle-free 5 minutes renewal process

What is a Critical Illness Insurance Plan?

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Critical illness insurance is a health policy to safeguard you against serious conditions like cancer, kidney failure, and heart attacks. With this policy, you can receive a lump sum payment to address high medical expenses, additional costs related to hospitalisation, or even income loss.

 

The burden of unexpected critical illnesses can affect your finances and mental well-being. However, a critical illness policy alleviates the financial strain, ensuring that your focus remains on your recovery rather than worrying about the expense of care. Let us support you in managing your healthcare expenses while maintaining financial stability.

What are the Features of the Critical Illness Insurance Policy?

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Experience a safety net like no other with Niva Bupa's critical illness insurance as it offers comprehensive coverage. When a catastrophic illness strikes, we've got your back, taking care of not just your health but also your financial obligations. 

 

With Niva Bupa CritiCare, your well-being is fortified against a wide range of conditions. From the severe impact of cancer, heart attacks, and strokes to the need for complex procedures like organ transplants and heart valve repairs, we stand by your side. We even provide support for ongoing challenges such as kidney failure requiring dialysis and the enduring effects of diseases like multiple sclerosis and muscular dystrophy under the critical illness coverage. Your health is our priority.

 

Remember, our health insurance policies like critical illness insurance are designed as fixed benefit plans, delivering a promise of security.

Key Features of Critical Illness Insurance Policy
Critical Illness Covered Upto 20
Tax Benefits As per Section 80D
Free Look Period 15 days
Cover Starts From ₹ 3 lakhs - ₹ 2 crore
Premium Starts From ₹ 12,521 /Yr

Why Do You Need a Critical Illness Cover?

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Don't let the absence of a critical illness coverage drain your hard-earned savings and jeopardise your family health insurance future financial aspirations. The burden of expensive treatments can be overwhelming, but with the right critical insurance cover, you can alleviate the financial stress and embrace a healthier life.

 

Tailoring your insurance to suit your needs is within your grasp. Whether you opt for a standalone insurance plan or add it as a supplementary benefit to your existing health insurance plan, the choice is yours. Discover the perfect critical illness cover by connecting with our chatbot CIA or calling us at 1860 500 8888. Let us guide you towards securing the ideal protection you and your loved ones deserve.

How to Choose the Best Critical Illness Policy?

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When selecting the optimal insurance policy like critical illness insurance, consider the following guidelines. Look for a plan that offers favourable and flexible terms tailored to meet your specific needs:

 

  • Assess the maximum number of illnesses the critical illness policy covers within a premium amount that fits your budget.

  • Consider the specific illnesses you are already diagnosed with or anticipate being diagnosed with, considering factors such as your age and lifestyle. Remember, not all critical illness plans cover the same range of illnesses.

  • Evaluate the waiting period associated with the critical illness policy. Ensure it is not long before you can make a claim and receive a payout.

Know the Benefits

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A critical illness insurance or critical illness policy can be beneficial in covering the expenses related to critical illnesses and lifestyle diseases. There are numerous other benefits too, such as:  

 

  • Access to affordable premium critical illness cover for serious conditions often entails substantial medical expenses, which are paid out at predetermined intervals.
  • Inclusion of diseases that may not be covered by standard health policies are also covered under the critical illness plans.
  • Eligibility for a substantial lump sum payment if you are diagnosed with a critical illness covered by the policy. This amount can even provide income tax benefits under Section 80D.

Who should Buy Critical Illness Insurance?

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Critical illness insurance is a wise investment for anyone who values financial security and wants to safeguard or protect themselves and their loved ones from the burden of high medical expenses. It is especially beneficial for individual health insurance with a family history of critical illnesses, those working in high-stress environments, or individuals with limited savings. Whether young and healthy or approaching retirement, critical illness insurance offers a safety net that can provide peace of mind and ensure you receive the best possible care without brooding about the financial implications. Don't wait for a health crisis to strike—be proactive and safeguard your future by considering critical illness policy today.

Experience Comprehensive Coverage With Critical Illness Insurance Policy?

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Get unparalleled peace of mind with Niva Bupa's critical illness insurance. We provide comprehensive coverage and support when you face a catastrophic illness, ensuring your health and financial obligations are taken care of. With Niva Bupa CritiCare, you are fortified against various conditions, including cancer, heart attacks, strokes, organ transplants, heart valve repairs, kidney failure, and the enduring effects of diseases like multiple sclerosis and muscular dystrophy. Your well-being is our top priority. Our health insurance policies are designed as fixed benefit plans, guaranteeing security for you.

Ensure Tax Benefits

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When it comes to health insurance, including critical illness cover, many tax benefits are available to you. In India, three key laws provide avenues for obtaining these benefits. The primary one is Section 80D, which allows or permits you to deduct your premiums for health insurance plans, including those specifically designed for critical illness cover. The deduction amount can go up to ₹25,000 for self and up to ₹50,000 when paying for dependents such as spouses, children, or parents. Enjoy the advantages of these tax benefits to protect your health and maximise your savings with the critical illness policy.

Critical Illness Insurance Plan Vs Health Insurance Plan

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Critical Illness Plan Health Insurance Plan
A critical illness insurance plan provides a lump sum if the insured individual is diagnosed with a specific illness listed in the policy. The payout by the critical illness policy can be used at the insured person's discretion and is not limited to hospital bills alone. In addition, this plan typically covers illnesses that may not be included in a regular health insurance plan, offering additional protection and support A health insurance plan covers medical expenses from illnesses, accidents, or injuries. In exchange for regular premium payments, the insurer bears all or a portion of these expenses. The payout can be utilised for hospital bills and medical costs incurred before, during, and after hospitalisation. Health insurance is recommended for everyone, as it provides vital financial support during health-related challenges. While a standard health insurance plan generally covers most common illnesses, it is essential to carefully review the terms and conditions of any plan under consideration

Illness Covered under the Plan

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Critical illness insurance plans cover a diverse range of severe and life-threatening illnesses, which can vary depending on the insurance provider. These critical illness plans typically encompass conditions such as cancer, kidney failure, and other critical diseases. To ensure comprehensive coverage, it is essential to carefully select a critical illness insurance plan that includes the specific illnesses you may be at risk for or could potentially be diagnosed with.

How to File a Claim?

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The process for claiming benefits under the best critical illness policy may vary among different insurance providers. However, you can enjoy a seamless and efficient claim process if you have a Niva Bupa critical illness insurance plan. Here's what you need to do:

 

  • Seek admission at any of our authorised hospitals and ensure a complete critical illness cover.
  • Present your Niva Bupa health card for identification purposes.

Documents Required

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The specific documents required to process your critical illness insurance plan's benefits may vary depending on the insurance provider. Here are the documents typically required to complete the claims process for Niva Bupa's CritiCare plan:

 

  • A completed and signed claim form.
  • KYC (Know Your Customer) documents.
  • The original discharge summary note. If another insurer holds the original note, please provide self-attested copies.
  • The original copy of the final hospital bill. If another insurer holds the original bill, please provide self-attested copies.
  • Consultation notes or investigation reports are obtained from sources outside the hospital before hospitalisation.
  • Initial consultation notes and all relevant medical records since the onset of symptom

 

Please be aware that these document requirements are specific to Niva Bupa's CritiCare plan. Therefore, it is advisable to consult your insurer to confirm the precise documentation needed for your critical illness insurance claim.

Frequently Asked Questions

What is critical illness cover in insurance?

Which is the best critical illness policy?

Is it good to have critical illness insurance?

What is the waiting period for critical illness?

What is critical illness cover in insurance? - +

The critical illness coverage provides you financial security in cases of severe illnesses. It offers reassurance by alleviating the monetary strain on you and your family during a critical illness diagnosis, providing crucial financial support precisely when needed. This insurance can be a lifeline for you and your loved ones, offering much-needed relief during a challenging and taxing illness. In addition, a critical illness insurance plan acts as a valuable safety net, ensuring financial safety, security, and peace of mind during times of uncertainty.

Get the most value from CritiCare

The Niva Bupa Promise

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The Niva Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 7400+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Cashless OPD & Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner

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Your Everyday Health Partner

Niva Bupa Health App

Track your health, manage your policy & renewals

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Health coach

Reach your fitness goals with a personalised health coach

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Document locker

Store & access all your medical records with a few taps

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Book Cashless OPD Online!

Doctor’s appointment through our cashless health network

Hassle-free claims

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Hassle-free Claims
Get admitted

Visit us at one of our hospitals

Use your health card

Identify yourself with your NivaBupa health card

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After validation your request will be sent directly to us

We Review

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Claim Settled

In as less as 30 minutes!

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