Niva Bupa CritiCare Plan - Online Reviews, Policy Benefits
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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
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

An ideal health plan for individuals and families alike. It not only protects you against critical illnesses but also covers you for accident care and hospital cash.

Why Do We Recommend This?
  • AccidentCare offers you a sum insured of up to INR 5 Crores.
  • Opt for coverage from 6 different combinations available.
  • Covers 20 critical illnesses.

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

A quick look at what this plan covers — and what it doesn't.

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.

All about Niva Bupa Health Insurance Company

All about Niva Bupa Health Insurance Company

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.

  • Min-: 18 years
  • Max-: 65 years

Frequently Asked Questions

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

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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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