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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:
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:
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 DETAILS |
Criticare Plan |
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Bajaj General Herizon Care |
| Product Type | Critical Illness Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Available |
| Plan Entry Age | Adults - 18 -65 years | Adult 18 – 80 years, Child Day 90 to 35 years |
| Plan Premium Entry Age and S/A | 17,765 | 2845 |
| Plan Waiting Period | 90 days to 4 years | 30 |
| Plan Coverage | AccidentCare cover, CritiCare cover, HospiCash cover | Maternity & pregnancy expenses, infertility treatment & assisted reproductive technology, critical illness cover for women-specific diseases, hospitalization & day care procedures, newborn & baby care cover, mental health & emotional wellness support |
| Plan Sample Premium | 17,765 | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year, 2 year, 3 years | 1/2/3/4/5 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98 | 99.23 |
| Solvency Ratio | 3.03 | 3.25 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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