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
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

A comprehensive personal accident health plan from Niva Bupa, offering a high sum insured of up to INR 5 Crores. Multiple optional benefits are available under the plan such as Temporary Total Disability, accidental hospitalization, surgical operations, and more.

Why Do We Recommend This?
  • Avail of child education benefits in case you suffer from accidental death or permanent total disability
  • Lifetime renewability offered
  • Avail of long-term discounts on purchasing a health plan for 2 or 3 years policy term

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

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

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

Frequently Asked Questions

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: 1 Jun 2026 · Originally published: 30 Sep 2024

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