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By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.Critical Illness Insurance Policy
Critical Illness Insurance in India offers a vital financial safety net, providing lump-sum payouts to cover treatment costs and lifestyle adjustments for serious illnesses. With rising healthcare expenses, this policy ensures peace of mind when it matters most.
Network of 10,400+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.4 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.4 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need
30 min
Cashless Claim Processing 1
15 Lakh+
Claims paid since inception 2
1.4 Crore+
Happy customers served till date
Custom Health Insurance Plans designed for You
A plan that rewards you for starting young
Starts from
₹8,6321
Annual Premium
₹5,00,000
Sum Insured
- Lock the age, pay premiums as per entry age till you claim
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Maternity coverage including IVF, Adoption and more
- Use and get back your base coverage. Unlimited times and forever
Nothing Seems Impossible. The Most Comprehensive health insurance plan.
Starts from
₹7,8212
Annual Premium
₹5,00,000
Sum Insured
- Save as you age. Pay as per entry age, until you claim.
- Use and get back your base coverage. Unlimited times and forever.
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Up to 30% discount on renewal premium basis step count
A Health Insurance Plan that works your way
Starts from
₹4,8043
Annual Premium
₹5,00,000
Sum Insured
- Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
- Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
- Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
- Access unlimited digital consultations with general physicians through our mobile app.
A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.
Starts from
₹11,5714
Annual Premium
₹5,00,000
Sum Insured
- Comprehensive coverage up to ₹3 Cr
- In-built travel insurance coverage for multiple trips in a year
- Modern Treatments coverage
- Maternity (worldwide) and new born baby cover
The Smart Health Insurance Plan with Smart Feature to keep your family protected
Starts from
₹11,7755
Annual Premium
₹5,00,000
Sum Insured
- No Room Rent Capping
- Modern Treatments Covered up to Sum Insured
- Hospitalisations of 2 hours or more covered
- One time refill of Base Sum Insured, even for same illness.
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Get comprehensive coverage for your entire family under a single health insurance plan.
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Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
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Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:
Hospital Admission:
Get admitted to a Niva Bupa network hospital.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request.
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
Benefits of Critical Illness Insurance
Critical illness insurance provides targeted financial support for life-altering medical conditions. Here are the key benefits:
Lump-Sum Payout:
Receive a one-time payment upon diagnosis of a covered illness, offering flexibility to manage medical and non-medical expenses.
What is a Critical Illness Insurance Policy?
A critical illness insurance policy is a specialised health insurance product designed to provide financial support upon diagnosis of specific life-threatening or debilitating illnesses. Unlike standard health insurance, which reimburses hospitalisation expenses, critical illness insurance offers a lump-sum payout upon confirmation of a covered condition, regardless of hospitalisation. This payout can be used for medical treatments, recovery aids, debt repayment, or maintaining your lifestyle during recovery.
In India, where medical inflation is rising at 14% annually, critical illness insurance is a crucial tool for financial planning. Policies like those offered by Niva Bupa provide robust coverage, ensuring policyholders can focus on recovery without financial strain.
How Does It Work?
Upon diagnosis of a covered illness, the policyholder submits a claim with medical proof, such as diagnostic reports. Once verified, the insurer disburses the sum insured as a lump-sum payment. The policy typically terminates after the payout, though some plans allow continued coverage for other illnesses if specified in the terms.
Types of Illnesses Covered
Critical illness insurance policies cover a range of serious conditions, though the exact list varies by insurer. Common illnesses include:
Cancer: Coverage for various types and stages, often up to advanced stages, as specified in the policy.
Heart Conditions: Includes heart attack, coronary artery bypass surgery, and angioplasty.
Stroke: Covers strokes resulting in permanent neurological damage.
Organ Failure: Includes kidney failure, liver failure, and lung conditions requiring transplants or dialysis.
Neurological Disorders: Conditions like multiple sclerosis, Parkinson’s disease, or paralysis.
Other Conditions: Major burns, coma, or organ transplants, depending on the policy.
Niva Bupa’s critical illness plans, for instance, cover up to 20 major illnesses, offering one of the most comprehensive lists in the market.
Eligibility and Policy Terms
Eligibility for critical illness insurance in India typically includes:
Age: Entry age ranges from 18 to 65 years, with some policies offering coverage for children.
Medical History: Pre-existing conditions may have waiting periods of 2-4 years.
Policy Tenure: Options range from 1 to 3 years, with renewable plans.
Sum Insured: Ranges from INR 5 lakh to INR 1 crore, depending on the insurer and plan.
Policy terms vary, so it’s essential to review the waiting period (typically 90 days from policy inception), survival period (e.g., 30 days post-diagnosis for claim eligibility), and renewal conditions.
Premiums, Claim Process, and Exclusions
Premiums
Premiums depend on factors like age, sum insured, policy tenure, and medical history. For example, a 30-year-old opting for INR 10 lakh health insurance coverage may pay INR 5,000-10,000 annually, while premiums increase with age or higher sums insured. Niva Bupa offers competitive premiums with flexible payment options, making it accessible for diverse income groups.
Claim Process
The claim process is straightforward:
Notify the insurer within the stipulated time (e.g., 30 days of diagnosis).
Submit medical documents, including diagnosis reports and doctor’s certificates.
The insurer verifies the claim and disburses the lump sum within 7-30 days, depending on the policy.
Exclusions
Common exclusions include:
Pre-existing illnesses not disclosed at policy inception.
Illnesses diagnosed during the waiting period.
Non-covered conditions or treatments like cosmetic procedures.
Illnesses caused by substance abuse or self-inflicted injuries.
Always read the policy document to understand exclusions and avoid claim rejections.
Comparison with Standard Health Insurance
Critical illness insurance and standard health insurance serve distinct purposes:
Critical illness insurance complements standard health insurance, offering a safety net for high-cost, life-altering conditions.
How to Choose the Right Critical Illness Insurance Policy?
Selecting the right policy requires careful consideration:
Assess Coverage Needs: Choose a sum insured based on your financial obligations, such as loans or family expenses. For urban India, INR 10-25 lakh is often recommended.
Check Illnesses Covered: Ensure the policy covers major conditions like cancer, heart attack, and stroke. Niva Bupa’s plans, for example, offer extensive coverage.
Compare Premiums: Balance affordability with comprehensive coverage. Use online calculators to estimate costs.
Review Exclusions and Waiting Periods: Opt for policies with shorter waiting periods and fewer exclusions.
Insurer Reputation: Choose a trusted insurer like Niva Bupa with a high claim settlement ratio (e.g., 90%+).
Flexibility: Look for add-ons like coverage for additional illnesses or premium waivers.
Why Critical Illness Insurance is Crucial?
India’s healthcare landscape underscores the need for critical illness insurance. Key reasons include:
Rising Medical Costs: Treatment for conditions like cancer or heart surgery can cost INR 5-20 lakh, often exceeding standard health insurance limits.
Lifestyle Diseases: Increasing cases of diabetes, hypertension, and heart disease among younger Indians heighten the risk of critical illnesses.
Limited Public Healthcare: Overcrowded public hospitals and long waiting times make private care a necessity, driving up costs.
Financial Protection: With 60% of healthcare expenses in India paid out-of-pocket, a lump-sum payout ensures stability during crises.
Niva Bupa’s critical illness plans are tailored to India’s unique needs, offering robust coverage and seamless claims.
Tips for Maximising Coverage and Avoiding Claim Rejections
To get the most out of your policy:
Disclose Medical History: Provide accurate details during policy purchase to avoid claim denials.
Understand Policy Terms: Read the fine print, especially exclusions and survival periods.
Maintain Documentation: Keep diagnostic reports and medical certificates ready for smooth claims.
Pay Premiums on Time: Ensure timely renewals to avoid policy lapse.
Consult Experts: Work with insurance advisors to choose a plan suited to your needs.
Review Annually: Update your coverage as your financial or health needs change.
Conclusion
Critical Illness Insurance in India is more than just a policy; it’s a lifeline that protects you and your family from the financial burden of serious illnesses. With rising healthcare costs and increasing lifestyle diseases, this medical insurance ensures you can focus on recovery without worrying about finances. By choosing a trusted and best health insurer in India like Niva Bupa and understanding policy terms, you can secure comprehensive coverage tailored to your needs. Make an informed decision today to safeguard your future.
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Watch what our customers are saying. REAL STORIES with REAL IMPACT!
Vippan Kapur
It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.
Meenakshi Khanna
Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.
Vijay Kapoor
With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.
Diviay Chadha
Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.
Parveen Singh
The Niva Bupa team was extremely helpful, be it day or night, someone was always available.
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