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Niva Bupa Health Insurance Critical Illness Plans
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Treatment and medication costs for critical diseases may be enormous and challenging to manage, particularly if you don't have existing critical illness coverage. As a result, a critical illness cover is vital in healthcare insurance since it is useful if you are identified with one of the specified critical diseases. It protects you against expenditures that might be hard to handle otherwise. You might want to consider Niva Bupa health insurance critical illness plans. Niva Bupa Health's dependable critical illness policy, Criticare Policy, protects you from serious diseases.
Niva Bupa, formerly known as Max Bupa, has enjoyed a steady increase in the health insurance industry. Customers may enjoy peace of mind knowing that they have a financial safety net in place if something goes wrong with their health thanks to the insurance company's creative and customer-centric policies. Also, there are no third parties involved with the claim process so the health claims are settled quickly.
This article will offer you a detailed description of the Niva Bupa health insurance critical illness policy.
Niva Bupa Critical Illness Policy
Niva Bupa health critical illness policy covers your financial obligations in the case of catastrophic sickness. The policy offers you a lump sum payments that may be utilised to cover the costs of your diagnosis, doctor's appointments, medical bills, as well as hospitalisation. This offers policyholders the peace of mind that there is a financial safety net in place if the insured suffers from any of the policy-specific critical illnesses.
Benefits of Niva Bupa Health Critical Illness Insurance Policy
The following benefits are offered by the Niva Bupa health insurance critical illness plans which set it apart from other critical illness plans in the market.
- Comprehensive Coverage
If you have a chronic condition that has the potential to develop into a major illness, Niva Bupa's critical illness policy has the right cover for you. With this policy, you can get a lump sum payment from the company. This type of medical treatment can be extraordinarily costly and has a devastating impact on one's quality of life; this is why Niva Bupa Critical Illness Policy is important - so when one becomes ill, there's always someone there to support and make sure you get the treatment and care needed. This means there is always a financial safety net in place if something goes wrong. Niva Bupa's critical illness policy offers coverage against 20 major illnesses, including cancer and heart disease.
- Free Look Tenure
The premium for Niva Bupa critical illness coverage is very low and you will get adequate cover. The policy features lump sum payment when diagnosed with any major illness. However, if you are not sure about the critical illness coverage, Niva Bupa critical illness policy offers a 15-day free-look period where you can reconsider and terminate your policy without any penalty. All premiums paid within this period will be refunded. However, the insurer would want a valid reason before honouring your policy termination request.
- Quick Claim Settlement
When looking for some health insurance companies, Niva Bupa health insurance critical illness plans are considered an outstanding one. This is because they have many good things to offer their customers and make them feel secure with their insurance. The best part about the company is that it does not involve any third-party agents when processing claims. You can get your critical illness claims processed effectively without any issues by their customer service team.
A long-term critical insurance policy from Niva Bupa health insurance does cover multiple years, so it's definitely worth considering. This way, you can be sure of getting the best coverage for your family and also increasing their long-term financial security at the same time. Also, Niva Bupa does offer discounts on its long-tenure policy to promote long-term insurance coverage. You can take a policy for 2 or 3 years to receive discounts on the premiums.
- Tax Benefits
Section 80D of the Income Tax Act offers tax breaks to individuals paying health insurance premiums every year. The limit of tax advantages is set up to INR 50,000 for policyholders over the age of 60 years while the same is set up to INR 25,000 for individuals under the age of 60 years. Both scenarios include a tax deduction of up to INR 5,000.
Key Features of Niva Bupa Health Insurance Critical Illness Cover
Niva Bupa is a leading insurer of medical and general insurance. With its highly effective products, Niva Bupa has been able to increase its market share by offering superior customer service throughout its network and on the web. Their critical illness policy is one such product. It offers high coverage against 20 major illnesses and their treatments.
Here are the key features of Niva Bupa health insurance critical illness cover:
- Coverage against 20 major illnesses
- 15-day free look period is provided
- No third-party involved with claim settlement
- Discount on 2 and 3-year plans
- Lifelong renewability is provided
- Affordable premiums
Niva Bupa Health Insurance Critical Illness Policy List
Niva Bupa health critical illness cover offers one of the most sought-after critical illness plans in the nation. Here is the critical illness policy offered by Niva Bupa:
- CritiCare – Critical Illness Insurance Policy
|Plan Type||Individual / Family Floater|
|Sum Insured||INR 3 lakhs – 2 crores|
|Starting Premium||INR 12,521 / year|
- Fulminant viral hepatitis
- Bacterial meningitis
- Aplastic anaemia
- Loss of speech
- Major burns
- End-stage lung disease
- End-stage liver disease
- Persisting symptoms of multiple sclerosis
- Persisting symptoms of motor neurone disease
- Bone marrow or major organ transplant
- Regular dialysis for kidney failure
- Specified severity coma
- Permanent limb paralysis
- Permanent symptoms from stroke
- Heart valve repair or open heart replacement
- Specified severity first heart attack
- Open chest CABG
- Specified severity cancer
Niva Bupa Health Insurance Critical Illness Plans FAQs
1. Are pre-acceptance medical screenings necessary for Niva Bupa health insurance critical illness plans?
When you sign up for Niva Bupa health insurance critical illness plans, you may be required to undergo a medical examination. Medical examinations, on the other hand, are not frequently required for policy renewal.
2. How to contact Niva Bupa health insurance?
To contact Niva Bupa health insurance, you have to dial 1860 500 8888 between 9 am to 6 pm from Monday to Sunday.
3. What is the policy tenure for Niva Bupa critical illness coverage?
The policy tenure for Niva Bupa critical illness coverage is 1, 2, or 3 years.
4. Can I get the policy as a family sum insured coverage?
Yes. The policy is available as both individual and family floater sum insured coverage.
5. What are the Niva Bupa health insurance critical illness plans exclusions?
The Niva Bupa critical illness policy exclusions include:
- HIV /AIDS
- Drugs, alcohol, substance abuse or any narcotics prescribed by any non-medical practitioner
- Failure to follow or seek medical advice
- Diseases from wars
- Participation in the military, air force or naval operation
- Participation in marine /aviation activities
- Adventure or professional sports
- Breach of law
- Nuclear contamination
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