Health Insurance 1645 views July 9, 2020

Nowadays, the cost of the treatment of a critical illness is very expensive and it is really difficult for a middle-class family to afford it. The critical illnesses can be related to cancer or heart disease but their treatment is very costly. So, if you don’t want to wash away all your savings then you must take a health insurance plan that covers critical illnesses. Therefore, here is a plan that covers 20 types of illnesses known as the Niva Bupa Critical Illness Health plan. In this health insurance plan, you can assure a sum of up to 2 crores for covering the critical illnesses. You can also add a member with you and provide him the cover under the same insurance plan. So, you must see the features and other details of this plan.

Health Insurance

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Key Features of Critical illness Health Plan

  1. Multiple options to decide the amount of the Sum Assured.
  2. Enjoy Assured Renewal of the Policy for life.
  3. Get premium discounts for buying the policy for the long term.
  4. Covers 20 different types of critical illnesses.
  5. Cashless settlements of the claims.
  6. Worldwide cover if you are diagnosed with a critical illness.
  7. Allows you to cover up to 2 adults under the same insurance plan.
  8. Get tax deductions under Section 80D and 80C of the Income Tax Act 1961.

Benefits of Critical Illness Health Policy

Now, we must explore all the benefits of this health plan and see the types of risks that are covered in this plan. You must also see the types of critical illnesses that are covered in this health insurance plan.

20 Critical Illnesses are covered

This health insurance plan covers 20 different types of critical illnesses. You can see all the 20 illnesses that are covered under this insurance plan.

  1. Cancer of specified severity
  2. Open chest CABG
  3. First heart attack of specified severity
  4. Open heart replacement or repair of heart valves
  5. Stroke resulting in permanent symptoms
  6. Permanent paralysis of limbs
  7. Coma of specified severity
  8. Kidney failure requiring regular dialysis
  9. Major organ/bone marrow transplant
  10. Motor neuron disease with permanent symptoms
  11. Multiple sclerosis with persisting symptoms
  12. End-stage liver disease
  13. End-stage lung disease
  14. Major burns
  15. Loss of speech
  16. Deafness
  17. Aplastic anemia
  18. Bacterial meningitis
  19. Fulminant viral hepatitis
  20. Muscular dystrophy

Discounts on Premiums

If you buy the Niva Bupa Critical Illness Health Plan for the tenure of 2 or 3 years, then you will get a rebate on the amount of the premium. It simply means that buying the policy for the long term will allow you to save some extra bucks on the premium amount.

Free-Look Period

The company gives you a free-look period for 15 days in which you can return the policy. If by any chance you think that the policy is not useful then you can return it to the company within 15 days. The company will return your premium amount to you.

Tax Benefits

You can show the amount of your premium while computing your yearly taxes and enjoy deductions under 80C and 80D of the Income Tax Act 1961. Once the deductions are approved, you will have to pay less tax.

Direct Reimbursement

There is no involvement of a third-party in this health insurance plan. The company directly settles the claim without any involvement of a middleman. Therefore the direct settlement is fast and they don’t include many formalities.

Renewal for Life

You have the option to renew the policy for a lifetime. The company will only consider your age and the city of residence.

Add-on Benefits

There are some optional benefits of this insurance plan that you can add at the time of inception. These benefits will increase the amount of your premium and on the other hand, they will cover some additional risks. So you can see the options that you can add in this health insurance plan.

  1. Accidental Hospitalization
  2. Surgical operations
  3. Nursing Care, Surgical Dressing, and Drugs
  4. Surgeon’s Fee or Medical Practitioner’s Fee
  5. Room’s Rent
  6. Operation Theatre Charges
  7. Anesthetics Fee, X-Ray Exams, and CT Scans
  8. Diagnostic Procedures and Therapies
  9. Prosthetic Implants
  10. Emergency Ambulance
  11. Physiotherapy

Other Details of Niva Bupa Critical Illness Health Plan

Minimum Amount of Sum AssuredRs.3 Lacs
Maximum Amount of Sum AssuredRs.2 Crores
Minimum Amount of PremiumRs.12521
Maximum No. of Insured in one PolicyUp to 2 Adults
Free Look Period15 Days
Time for Cashless Claim Settlement30 Minutes
Worldwide CoverageYes

Methods of Buying this Plan

There are three methods to apply for the Niva Bupa Critical Illness Plan and you can see them below:-


This is the easiest method to apply for this plan. You will have to fill-up the form given above and after the successful submission, the company’s representative will give you a call. You can ask your queries and if everything goes fine then you can buy the plan online.


If you are willing to buy the Niva Bupa Health Plan then you must call on the Toll-Free number 1860-500-8888 and talk to the trained insurance advisors.


You can directly visit the branch of Niva Bupa and buy the plan from there.

Exclusions of the Critical Illness Plan

  1. Acquired Immune Deficiency Syndrome (AIDS).
  2. The Insured Persons attempted suicide or self-inflicted injuries while sane or insane
  3. Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or consumption of drugs and alcohol.
  4. Failure to seek or follow Medical Advice.
  5. War (whether war is declared or not), invasion, an act of a foreign enemy, hostilities.
  6. Taking part in any naval, military, or air force operation during peacetime.
  7. Participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/watercraft that is authorized by the relevant regulations to carry such passengers between established airports or ports
  8. Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep-sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting, etc.
  9. Participation by the Insured Person in a criminal or a breach of law with criminal intent
  10. Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature

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