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Health dangers are rapidly increasing in today's fast-paced world, including some chronic life-threatening diseases. Anyone can have a critical illness, whether young or old, which can be financially, physically, and emotionally distressing. Having strong critical illness insurance coverage is crucial because the treatment of these diseases takes a long time and costs a hefty amount. For scenarios like these, insurance providers offer critical illness insurance plans. One such plan is the Niva Bupa Critical Illness policy. In this article, we will discuss the features, advantages, and coverage offered by the Niva Bupa Critical Illness Plan and why it is a good option for people looking for critical illness covers.
When a diagnosis of a life-threatening medical condition occurs that requires extravagant funds to be treated, critical illness insurance is intended to provide policyholders with financial assistance. When a covered disease or condition is diagnosed, critical illness coverage pays out in one lump sum amount, unlike typical health insurance. This payment may be utilized to pay for any costs associated with the treatment or therapies, including medical bills, lost wages due to lifestyle changes, etc.
The applicant should consider the following criteria:
| PLAN DETAILS |
Max Bupa Critical Illness |
Critical Care Plan |
| Product Type | Critical Illness Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | Min- 18 years, Max- 65 years | 18 to 65 years |
| Plan Premium Entry Age and S/A | 12,521 | 4088 |
| Plan Waiting Period | 90 days | 90 |
| Plan Coverage | Upto 20 critical illnesses | Individual & Family floater cover |
| Plan Sample Premium | 12,521 | 4088 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1/2/3 years |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 98 | 98 |
| Solvency Ratio | 3.03 | 1.76 |
|
Niva Bupa Health Insurance Plan Detailed Review Manipal Cigna Health Insurance Plan Detailed Review |
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