CritiCare
A health insurance plan that protects you and your family from 20 critical illnesses
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Discounted Premium
What you get
What you get
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- ₹ {{getAmountInWords(userInputs.productType == 'AccidentCare' ? userInputs.personalAccidentSumInsured : userInputs.criticalIllnessSumInsured)}}
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Please click here to see premium illustration
Vast Coverage
Your policy provides coverage for 20 critical illnesses
Long Term Discount
Avail discounts by securing your health for 2 or 3 years
HospiCash (O)
Ease your financial load as your family gets daily cash allowance
Accident Care (O)
Protect your family from medical expenses due to an accident
Renewal for life
Once insured with us, you will always remain our customer
30 min promise
Avail painless and quick claim processing in 30 min
Know what’s covered under the CritiCare Insurance Plan
Simply search for your queries regarding the AccidentCare insurance plan or check out all the features listed below.
Sorry, is not a part of
Although, is available in below product.
Available as an optional add-on
Standout Features
COVERAGE AGAINST 20 CRITICAL ILLNESSES
+ -We give you coverage from up to 20 critical illnesses like cancer and paralysis
TAX BENEFIT
+ -Save taxes under section 80D of the income tax act for the amount paid as premium
TENURE DISCOUNT
+ -Take a policy for two or three years and get a discount on the second and third year’s premium
DIRECT CLAIM SETTLEMENT
+ -There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly
FREE LOOK PERIOD
+ -Get the health companion policy now you have up to 15 days to reconsider and cancel it with refund
ASSURED RENEWAL
+ -Renew your policy indefinitely and only your age and city of residence will be considered
Diseases Covered
20 critical illnesses covered
+ -•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
•Muscular dystrophy
Add-on Features
Optional Benefits |
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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 |
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-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 |
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-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
PERMANENT EXCLUSIONS
+ -- 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
Why choose CritiCare?
Doctors Speak
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Calculate Medical Expenses
Painless renewals
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
HOW CAN I BUY THIS POLICY?
WHAT IS HEALTH COACH AND HOW WOULD I BE ELIGIBLE FOR DISCOUNTS UNDER THIS BENEFIT?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY?
MY WIFE AND CHILDREN ARE RESIDING AT CHANDIGARH WHILE I AM HERE IN DELHI. CAN I COVER ALL OF US IN ONE POLICY?
There are various ways in which you can purchase this policy:
Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.
Telephone: If you wish to know more about Niva Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.
Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website
Get the most value from CritiCare
The Niva Bupa Promise
Your everyday health partner
Hassle-free claims
Get admitted
Visit us at one of our hospitals
Use your health card
Identify yourself with your NivaBupa health card
Get validated
After validation your request will be sent directly to us
We Review
No third party involved!
Claim Settled
In as less as 30 minutes!
How CritiCare Works for you
Get a quote
Tell us a little about yourself and we’ll get you the right quote.
Download Resources
CritiCare
Brochure
Download the brochure to understand the health companion plan better
CritiCare Policy
Wordings
Find out all you need to know about the plan here
CritiCare
Claim Form
Download the form to make a hassle-free claim
CritiCare
Application Form
Download the form to avail the services of any of our network hospitals