Niva Bupa Criti Care

A Critical Illness Insurance Plan

Overview

Niva Bupa Criti Care is a critical illness insurance plan that provides a lump-sum payment upon the first diagnosis of any of the covered major illnesses. This benefit can be used to cover medical treatments, lifestyle changes, or any financial needs that may arise, providing essential support during a difficult time.

Key Features

Lump Sum Payout

Receive a single, large payment of the sum insured upon the first diagnosis of a critical illness.

Extensive List of Illnesses

The policy covers a wide range of critical illnesses, including cancer, heart attack, and stroke.

Waiver of Premium

Upon a covered claim, all future premiums for the policy are waived, ensuring you can focus on your health.

Second Medical Opinion

Get a second opinion from a medical professional to ensure confidence in your diagnosis.

Health Check-ups

You can avail of cashless health check-ups annually to help you stay proactive about your health.

Modern Treatment Coverage

The policy provides a lump sum that can be used to cover new-age treatments like robotic surgeries and other advanced procedures.

Covered Illnesses

The policy provides coverage for a list of critical illnesses, including but not limited to:

  • Cancer: Covers all stages of cancer.
  • Heart Attack: Covers the first-ever heart attack.
  • Stroke: Covers the first-ever stroke.
  • Kidney Failure: Covers end-stage kidney failure requiring dialysis.
  • Major Organ Transplant: Covers the cost of a major organ transplant.
  • Paralysis: Covers permanent paralysis of limbs.

Waiting Periods

There are standard waiting periods that apply before claims for a critical illness can be made:

  • Initial Waiting Period: A 90-day waiting period from the policy start date for the first diagnosis of a critical illness.
  • Survival Period: A 30-day survival period from the date of diagnosis of a critical illness.
  • Pre-existing Diseases: A 48-month waiting period applies to claims for pre-existing diseases.

 

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Niva Bupa Health Insurance Company Limited is one of India's leading standalone health insurers (SAHI), headquartered in New Delhi and founded in 2008. The company was formerly known as Max Bupa Health Insurance Company Limited and was rebranded to Niva Bupa in 2021. Niva Bupa offers a wide range of health insurance products for individuals, families, senior citizens, and corporate employees.

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