Niva Bupa Personal Accident Plan - Online Reviews, Policy Benefits
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Niva Bupa Health Insurance Niva Bupa Health Insurance ★ 4.4

Personal Accident Care Plan

A comprehensive personal accident health plan from Niva Bupa, offering ...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

About Personal Accident Care Plan

A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.

The Niva Bupa Personal Accident Plan is designed to provide financial support in case of accidents. It offers a lump sum payout in case of accidental death or disability, along with weekly income support if you are unable to work due to an injury. The plan also includes ambulance cover and a daily hospital cash benefit, which can help manage immediate expenses after an accident.

At the same time, it is important to understand that this is not a regular health insurance plan. It does not cover illnesses or most routine medical expenses. In the sections below, we have clearly explained what is covered and what is not, so you know exactly what to expect.

Since accidents are impossible to foresee and when they do happen, they can drain your bank account. It is advisable to have a good health insurance plan to preserve your finances and the future of your family.

Plan at a glance

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

Entry age
Adult Entry Age Minimum-18 Maximum-65, For Dependent Child (Max 2 Kids) Minimum-2 Maximum-21
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L
Waiting period
No Waiting Period
Renewability
Lifelong
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

  • Child education benefit
  • Funeral expenses covered
  • Total and partial disability covered

Cons

  • Adventure sports not covered
  • No coverage for cosmetic procedures
  • Self-harm not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not 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 Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel 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 Personal Accident Plan Coverage Allocations Table

Family /IndividualPercentage Allocations
Self100% of the Sum Assured
Spouse50% of the Sum Assured or Rs 10 Lakhs whichever is lower.
2 Children20% of the Sum Assured or Rs 2 lakhs whichever is lower.

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Guaranteed Cash Benefit:With the Niva Bupa Personal Accident Care plan, customers can receive guaranteed cash benefits that are permissible under the policy terms and conditions.
  • Coverage from Day One:The plan provides coverage from the very first day of the policy period, ensuring that customers are protected immediately. There is no waiting period.
  • Enhanced ProtectionNiva Bupa Personal Accident Care provides additional options for comprehensive coverage, the policyholder can opt between temporary total disability and accidental hospitalization.
  • Tenure Options:Niva Bupa Accident Care also provides two- and three-year plan options, the plan offers tenure with discounts of 12.5% for two years and 15% for three years.
  • Choose Sum Assured:You can choose from a number of different sum insured alternatives the insurer offers according to your level of risk.
  • Direct Claim Settlement:Claims are processed by the company's in-house service team, ensuring that customers receive timely and hassle-free claim settlements.
  • Lifetime Renewability:Customers can enjoy lifetime renewability under the Niva Bupa Personal Accident Care, ensuring that they are protected for life.
  • Worldwide Coverage:The plan provides coverage for accidents that occur worldwide, making it ideal for frequent travelers.
  • Free Look Period:Customers can avail of a free look period of 15 days to review the policy and make changes as required.

Exclusions

  • Pre-existing conditions:Any medical condition that the policyholder had before purchasing the policy will not be covered. This means that if the policyholder suffers an accident that is related to a pre-existing condition, they will not be able to claim the benefits.
  • Intentional harm:If the policyholder causes an accident intentionally, they will not be covered. For example, if the policyholder gets into a fight and intentionally injures someone, they will not be able to claim the benefits.
  • Illegal activities:If the policyholder suffers an accident while engaging in illegal activities, they will not be covered. This includes activities such as driving under the influence of drugs or alcohol and participating in illegal street races.
  • Self-harm:If the policyholder intentionally harms themselves, they will not be covered. This includes attempted suicide or self-inflicted injuries.
  • War and terrorism:If the policyholder suffers an accident due to war or terrorism, they will not be covered. This is because such events are considered to be beyond the control of the insurance company.
  • Dangerous sports and activities:If the policyholder suffers an accident while participating in dangerous sports or activities such as skydiving, bungee jumping, or mountain climbing, they will not be covered.
  • Professional sports:If the policyholder suffers an accident while participating in professional sports, they will not be covered. This is because professional sports carry a higher risk of injury.
  • Medical procedures:If the policyholder suffers an accident while undergoing a medical procedure, they will not be covered. This includes cosmetic procedures and experimental treatments.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. Entry Age: 18 Years
  • Max. Entry Age: 65 Years
  • SI: - 5 L - 5 Cr
  • Initial Waiting Period: - 30 Days

Other features & benefits

Niva Bupa Accident Care Benefits

  • Accidental Death Coverage
    Niva Bupa Personal Accident Care provides 100% accidental death coverage, reimbursing the full amount of the insurance policy in the event of the accidental death of the insured individual.
  • Permanent Total Disability Coverage
    If the insured person is unable to work or has total and permanent loss of any body part, the Niva Bupa Accident Care Plan covers 125% of the sum insured, under permanent total disability coverage. Scenarios include:
    • Unable To Work: Due to the accident, the insured individual will not be able to work at any time during his lifetime in any occupation or employment.
    • Loss of limbs or sight: This refers to the insured person experiencing a complete and permanent loss of the use of two limbs, both eyes, or both eyes and one limb.
    • Loss of independence: This includes situations where the covered person is unable to carry out three or more chores on their own, such as dressing, feeding, mobility, toileting, transferring, and washing.
  • Permanent Partial Disability Coverage
    The amount of compensation for PPD coverage in Niva Bupa Accident Care may vary depending on the extent of the disability and the terms and conditions of the policy. Typically, the compensation is calculated as a percentage of the total sum insured, and the percentage may be determined based on a schedule of benefits specified in the policy.
  • Child Education Benefits Coverage
    In case of accidental death or permanent total disability, the dependent child gets the education benefit. The company provides 5% of the sum assured or INR 50,000, whichever is lower.
  • Funeral Expenses Coverage
    Niva Bupa's personal accident care plan includes payment of INR 5,000, as the funeral expenses in case of accidental death of the insured person.

Temporary Total Disability Coverage Table of Niva Bupa Personal Accident Plan

It is a condition where the insured person suffers from a bodily injury resulting from an accident, which renders them unable to engage in any type of employment or occupation, whether or not it is related to their usual work, training, or education. Here is the coverage table:

Optional Benefits available under Accident Care
Temporary Total Disability (TTD)* Sum Insured available1,000,0002,000,000
Temporary Total Disability Benefits1% of Sum Insured (SI) per week, Max up to 100 weeks
TTD Sum Insured (SI) not to exceed 2 times of annual income
Surgical OperationsCovered Up to Accident Hospitalization Limit
Nursing Care, Drugs and Surgical Dressing
Medical Practitioners/ Surgeon's Fee
Room Rent
Operation Theater Charges
Anesthetics Fee (Including Administration)
X-Ray Examination or Treatment's (Including CT)
Diagnostic's Procedures and Therapies
Prosthetic Implant
Emergency AmbulanceLimited to Rs. 2,000 per claim
PhysiotherapyLimited to 10% of Accidental Hospitalization Limit

Permanent Partial Disability Coverage List of Niva Bupa Personal Accident Plan

The specific list of permanent partial disabilities and their corresponding percentage of coverage under an insurance policy can vary depending on the policy and the insurer. However, here is a general list of permanent partial disabilities and their corresponding percentage of coverage:

 Type of Partial Permanent DisabilityPercentage of the Sum Insured
1.Loss of use of both hands or loss of function in the wrist joint100%
2.Loss of use of both feet or loss of function in the ankle joint100%
3.Loss of use of one hand from the wrist joint and one foot from the ankle joint for the rest of one's life100%
4.Permanent loss of vision in one eye, as well as loss of one hand from the wrist joint.100%
5.Total and permanent blindness in one eye, as well as loss of use of one foot from the ankle joint.100%
6.Permanent blindness in one eye, as well as loss of function of one foot from the ankle joint.100%
7.Permanent loss of speech and hearing in both ears100%
8.Permanent loss of hearing in both ears50%
9.Quadriplegia100%
10.Permanent loss of use of one hand from the wrist joint50%
11.Permanent loss of use of one foot from the ankle joint50%
12.Permanent loss of sight in one eye.50%
13.Permanent loss of speech50%
14.Uniplegia25%

Conclusion

Niva Bupa Personal Accident plan covers all sorts of accidental injury, death incidents, and other related conditions. For more information on this plan, contact us at 1800-4200-269.

Niva Bupa Accident care: FAQs

The 7 most-asked questions about Personal Accident Care Plan, answered.

A maximum of 2 dependent children are covered under Niva Bupa Accident Care Plan.
The money is deposited into the insured person’s account 90 days after the occurrence of the event.
No funds will be transferred to the insured person’s account if they pass away prior to the processing of a claim under this accident care plan.
The plan offers discounts of 12.5% for two years and 15% for three years.
Prosthetic implantation is covered by this plan, and the costs are reimbursed up to the policy’s accident hospitalization maximum.
Yes, emergency ambulance charges are covered by Niva Bupa Accident Care, which is limited to Rs. 2,000 per claim.
Yes, this plan pays the costs associated with accidental hospitalization which is covered up to the accident hospitalization limit of the policy.

Conclusion

Niva Bupa Personal Accident plan covers all sorts of accidental injury, death incidents, and other r

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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: 7 Aug 2023 · Originally published: 30 Sep 2024

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