ChatGPT
Claude
Perplexity
All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance
Niva Bupa Criti Care Plan
An ideal health plan for individuals and families alike. It not only p ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement
About Niva Bupa Criti Care Plan
A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.
CritiCare, a plan that provides health and financial protection to you and your family against 20 critical illnesses!
Critical illnesses can threaten life and financial security. To protect your finances in such times, Niva Bupa has developed the CritiCare plan, which provides coverage against 20 listed critical illnesses.
According to the Global Burden of Disease Research, heart-related diseases and strokes resulted in 2.5 million fatalities in India in 2019, with the younger generation bearing the brunt. Cancer has become one of the top five causes of untimely deaths in India, with a projected increase to 29.8 million in 2025 from 26.7 million in 2021, according to ICMR statistics. It is critical to be aware of these life-threatening diseases and take preventative actions.
Note: This report is quoted from a credible source of the BFSI article.
Niva Bupa CritiCare Policy is designed for people diagnosed with any of the listed 20 critical illnesses and also protects their savings from being wiped out due to expensive medical treatments. However, if a critical illness has been diagnosed before buying the policy, it’s considered a pre-existing condition that is covered after a waiting period of 4 years.
You can also buy this policy in combination with:
- CritiCare + AccidentCare + HospiCash
- CritiCare + AccidentCare
- CritiCare + HospiCash
- AccidentCare + HospiCash
- CritiCare Only
- AccidentCare Only
Which critical illnesses are covered under Niva Bupa CritiCare insurance?
Check below the list of 20 critical illnesses that are covered under Niva Bupa's critical illness policy:
- 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
- End-stage liver disease
- End-stage lung disease
- Major burns
- Loss of speech
- Deafness
- Aplastic anaemia
- Bacterial meningitis
- Fulminant viral hepatitis
- Multiple sclerosis with persisting symptoms
- Muscular dystrophy
In addition, the Niva Bupa CritiCare critical illness insurance plan has several other benefits which you can read further in this guide. We’ve also covered the eligibility options, specifications of coverage, exclusions, etc., so that you can make an informed decision.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Adults - 18 -65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹3 L, ₹10 L, ₹25 L, ₹40 L, ₹60 L, ₹85 L, ₹1 L, ₹3 L
Waiting period
90 days to 4 years
Renewability
Lifetime
Policy term
1 year, 2 year, 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
- 20 critical illnesses covered
- Long-term tenure savings
- Different payout options
- Tax benefits
- Direct claim settlement
Cons
- Accident death
- No total disability cover
- AIDS not covered
- Child education benefit
- Funeral expenses
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Not covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Niva Bupa Health Insurance Plan Detailed Review
Specifications under Niva Bupa CritiCare policy
Read below the base cover benefits and optional/add-on benefits of the Niva Bupa Critical illness plan:
| Coverage specifications | How is it useful? |
| USPs | |
| Vast coverage | Protects you from 20 life-threatening critical illnesses like cancer, stroke, heart and renal failure, end-stage lung failure, and so on |
| Long-term discount | For a policy tenure of 2 and 3 years, avail of a discount of up to 12.5% and 15% respectively |
| HospiCash (O) | It covers daily cash allowance to maintain their lifestyle while the insured is not able to earn |
| AccidentCare (O) | Protects insured individuals and their families from accidental uncertainty |
| Renewable for life | The lifelong renewability of this policy makes it even more attractive to be covered for an extended period |
| Payout benefits | |
| Option 1 |
(In any policy year the claim can be triggered for one life only) |
| Option 2 |
(In any policy year, a claim can be triggered for one life only) |
| Optional benefits | |
| Accident hospitalisation limit (confined to India only) | Up to 2% of the AccidentCare sum insured |
| Surgical operations | Covered up to the accident hospitalization limit. Claim settlement on a reimbursement basis and coverage is limited to India only. |
| Nursing care, drugs, and surgical dressing | |
| 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 | |
| Prosthetic implants | |
| Emergency ambulance (as part of the overall sum insured) | Limited to Rs 2000/claim |
| Physiotherapy (as part of the overall sum insured) | Limited to 10% of accidental hospitalization limit |
| Additional benefits | |
| Free look period | 15 days |
| Tax benefit | Under section 80D of the Income Tax Act |
| Claim settlement | Direct claim settlement, without interference from any third-party |
Other waiting periods under this policy:
- Pre-existing diseases (PEDs) - 4 years
- HospiCash Benefit - 24 months for specific conditions
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- HIV/AIDS or a related condition
- Self-inflicted injuries/an attempt to suicide
- Alcoholism/drug abuse
- War, rebellion, insurrection, riot, strikes, etc.
- Taking part in any naval/military/air force/aviation operations during peacetime
- Adventure sports/hazardous activities
- Criminal intent/unlawful activity/Breach of law
- Nuclear contamination
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min-: 18 years
- Max-: 65 years
Other features & benefits
Summarizing It All
Niva Bupa CritiCare insurance provides medical and financial support for over 20 specified critical illnesses, helping you fight not only against catastrophic situations but also saving you from financial instability. From the severity of cancer to strokes, from heart replacement and kidney failure to third-degree burns, and so on - the CritiCare plan covers it all.
If you have any further queries related to the Niva Bupa critical illness plan, reach out to us at 1800 4200 269.
Niva Bupa CritiCare - Criticare Illness Plan: FAQs
The 3 most-asked questions about Niva Bupa Criti Care Plan, answered.
It totally depends on healthcare needs. If you have a history of any of the above-mentioned critical illnesses, then to be on the safer side it is a good idea to buy Max Bupa Illness Policy.
The need to undergo a pre-medical check-up may vary from person to person. However, it is always recommended to go for a pre-medical checkup so that at the time of claims, you do not face any hassles.
Yes. As per section 80D of the Income Tax Act of 1961, one is allowed to have tax exemptions on premiums paid for the Max Bupa Criticare plan.
Explore Niva Bupa Health Insurance
Maternity Health Insurance
Niva Bupa Health Policy Download
Niva Bupa Claim Settlement Ratio
Niva Bupa Health Insurance Renewal
Niva Bupa Premium Calculator
Niva Bupa Incurred Claim Ratio
Niva Bupa Health Insurance Policy for Parents
Niva Bupa Customer Care
Diseases Covered By Niva Bupa Health Insurance
Niva Bupa Policy Cancellation
Niva Bupa Free Annual Health Checkup
Niva Bupa Health Benefits
Niva Bupa Claim Process
Niva Bupa Senior Citizen Plan
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
May, 2026
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
May, 2026
How Air Pollution Is Silently Causing 10 Health Diseases
Mar, 2026
Eye Conditions Actually Covered Under Health Insurance in India
Mar, 2026
Claim Settlement Ratio of Health Insurance Companies 2026.
Feb, 2026
Health Insurance for Cancer
Feb, 2026
See More Health Insurance Articles
Bima Insurance Trinity
Feb, 2025
Which Health Insurer Has The Highest Premiums In India?
May, 2025
AI In Health Insurance
Apr, 2025
Health Insurance for Gen Z
May, 2025
Heart Surgery Cost In India
Apr, 2025
Union Budget 2025: A Health Insurance Surprise to Gig Workers
Feb, 2025
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,690 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?