Niva Bupa Health Critical Illness Plans

Niva Bupa Health Insurance Plans

Niva Bupa health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 12521/yr. The sum insured ranges from Rs. 3 Lakh - 2 Cr. Details of the comprehensive coverage provided by the following 1 Niva Bupa health insurance plan is listed below:

Max Bupa Criticare Plan Criti Care

Starting Premium- ₹ 12,521/yr

Criticare is a unique health plan which offers you different types of coverage options and you can choose from any option as per your suitability.The plan’s salient features are as follows

You can choose from six coverage options all of which give you fixed benefit claims. The options are as follows
- Criticare + Accident Care + Hospi Cash
- Criticare + Accident Care
- Criticare + Hospi Cash
- Accident Care + Hospi Cash
- Criticare only
- Accident Care only
Criticare covers 20 critical illnesses and pays the sum insured if you are diagnosed with any of the covered illnesses
Accident care covers accidental deaths and disablements
Hospi Cash is a daily hospital cash benefit cover wherein you get a daily cash allowance if you are hospitalised for 24 hours or more
Lifelong renewability is available in all coverage benefits
Optional benefits are also available under Accident Care coverage

Eligible Age

2 years - 65 years

PED Waiting Period

4 years

Coverage

3 Lakh - 2 Cr

NCB

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FAQs

Max Bupa is a leading health insurance provider in the country. It has worn various awards and recognitions and is trusted by many. The company also has an exhaustive list of cashless hospitals which allow you to get your claims settled easily. Moreover, the company promises cashless claim approvals within 30 minutes making the claim process as customer-friendly as possible. The range of plans offered by Max Bupa Health Insurance not only provides a comprehensive scope of coverage, they are also reasonably priced. You should, therefore, choose Max Bupa Health insurance policies for your health insurance needs.

You can pay premiums online or offline. To pay online you can use your credit cards, debit cards, mobile wallets or the UPI platform and pay the premiums from your bank accounts. Alternatively, if you are choosing the offline mode of paying the premium, you can pay the premiums through cash, cheque, demand drafts, etc.

A networked hospital is one which is tied up with the insurance company to offer you cashless claim settlements. If you are admitted to a networked hospital, your claims would be taken care of by the insurance company directly. Non-networked hospitals, on the other hand, are those which are not tied-up with the insurance company. If you are admitted to a non-networked hospital, you would have to bear your medical costs and the insurance company would later reimburse the costs that you incur.

To buy Max Bupa Health insurance plans you should be an Indian citizen and meet the age criteria listed down in the policy that you want. Different policies have a different age limit. Usually, most policies cover dependent children from 91 days to up to 21 or 25 years. For adults, the age limit is usually from 18 years to 65 years. If you fulfil the age criterion, you can buy Max Bupa Health insurance plans.

Yes, Max Bupa Health insurance plans allow you a grace period to pay the premiums which are due. The period depends on the policy that you buy. You can, usually, get a grace period of 30 days to 60 days for paying the due premium. However, during the grace period the policy would remain in a lapsed state and you would not get coverage. Your existing no claim bonus would, however, continue to remain valid if you renew the policy within the grace period.

No, it won’t. The indemnity health plan would cover your medical costs if you are hospitalised. The critical illness plan, on the other hand, would pay a lump sum benefit if you are diagnosed with any of the covered illnesses. This benefit would not depend on the claim that you receive under the indemnity health plan. The claim payable under critical illness plans would be independent of all other claims that you receive.

Premiums paid up to INR 25,000 qualify for tax deduction under Section 80(D). Since you have paid INR 20,000, the entire premium would be allowed as a deduction from your taxable income. The premium paid would, therefore, reduce your taxable income and bring down your tax liability.

To make a claim in your Max Bupa health insurance policy, you should inform the company and follow the specified claim process. The claim process depends on whether you are making a cashless claim or a reimbursement one. The claim process has been described earlier using which you can make claims under your Max Bupa health insurance plans.

You can apply for and buy Max Bupa health insurance policy online either from the website of Max Bupa itself or from the website of Turtlemint.

The Claim Settlement Ratio (CSR) represents the claims settled by an insurance company against the total number of claims made on it in one financial year. The CSR changes every financial year and Max Bupa offers a high CSR of 92% ensuring a speedy claim settlement. (Source: Max Bupa)

Yes, porting is allowed by Max Bupa health insurance. You can port out of Max Bupa health insurance plans as well as port into a Max Bupa health insurance plan of your choice. Portability is allowed at the time of renewals and to port you have to inform the insurance company at least before 45 days of renewal.