Niva Bupa Critical Illness Insurance Policy: Benefits, Eligibility and Premium
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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Niva Bupa Critical Illness

Comprehensive health insurance covers road traffic accidents and assis ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.

Why Do We Recommend This?
  • Avail cataract treatments for covered members
  • Emergency domestic evacuation is available from the hospital you are availing treatment from to another hospital
  • Avail coverage for travel expenses of an immediate family member of the patient

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 18 years, Max- 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹20 L, ₹50 L, ₹80 L, ₹1 L, ₹5 L
Waiting period
90 days
Renewability
Lifetime
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Covers 20 critical illnesses
  • Accident care benefits
  • Direct claim settlement

Cons

  • Cosmetic procedures not covered
  • Self-harm not covered
  • Obesity-related treatments not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

All about Niva Bupa Health Insurance Company

All about Niva Bupa Health Insurance Company

9 Best Critical Illness Insurance Plans

9 Best Critical Illness Insurance Plans

Niva Bupa Health Insurance Plan Detailed Review

Niva Bupa Health Insurance Plan Detailed Review

Niva Bupa Health Insurance Network Hospital List

Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18: 65 Years
  • SI: 5 L: 5 Cr
  • Policy Term: 1/2/3 Years
  • Initial Waiting Period: 90 Days

Frequently Asked Questions

The 5 most-asked questions about Niva Bupa Critical Illness, answered.

Niva Bupa Critical Illnеss insurancе is a policy that provides financial protеction in thе еvеnt of a serious illness. It offers a lump sum paymеnt upon diagnosis of a covеrеd critical illness, helping to ease financial burdеns during challenging timеs.
The specific critical illnesses covered may vary depending on the policy. Howеvеr, commonly covered illnеssеs may include cancеr, heart attack, strokе, organ transplant, kidnеy failurе, and major organ disеasеs. It’s important to rеviеw thе policy documents for a complеtе list of covеrеd illnеssеs.
Agе limits for applying may vary depending on thе specific plan and insurеr. Typically, thеrе is a minimum and maximum agе limit for еligibility. It’s advisablе to chеck with Niva Bupa for thе agе critеria applicablе to thеir Critical Illnеss plans.
Yеs, Niva Bupa Critical Illnеss insurancе can oftеn bе purchasеd as a standalonе policy. Howеvеr, it’s also common for critical illnеss covеragе to be offered as a ridеr or add-on to a lifе insurancе policy. Consider your individual needs and prеfеrеncеs to determine the best option for you.
Waiting for pеriods can vary depending on the policy. Some plans may have a waiting pеriod after thе policy’s incеption before you can claim critical illness. It’s essential to rеviеw thе policy tеrms and conditions to undеrstand any waiting pеriods associatеd with thе Niva Bupa Critical Illnеss plans you’rе considering.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 27 Sep 2024

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