Niva Bupa Criti Care
A Critical Illness Insurance Plan
Niva Bupa Criti Care
A Critical Illness Insurance Plan
Overview
Niva Bupa Criti Care is a critical illness insurance plan that provides a lump-sum payment upon the first diagnosis of any of the covered major illnesses. This benefit can be used to cover medical treatments, lifestyle changes, or any financial needs that may arise, providing essential support during a difficult time.
Key Features
Lump Sum Payout
Receive a single, large payment of the sum insured upon the first diagnosis of a critical illness.
Extensive List of Illnesses
The policy covers a wide range of critical illnesses, including cancer, heart attack, and stroke.
Waiver of Premium
Upon a covered claim, all future premiums for the policy are waived, ensuring you can focus on your health.
Second Medical Opinion
Get a second opinion from a medical professional to ensure confidence in your diagnosis.
Health Check-ups
You can avail of cashless health check-ups annually to help you stay proactive about your health.
Modern Treatment Coverage
The policy provides a lump sum that can be used to cover new-age treatments like robotic surgeries and other advanced procedures.
Covered Illnesses
The policy provides coverage for a list of critical illnesses, including but not limited to:
- Cancer: Covers all stages of cancer.
- Heart Attack: Covers the first-ever heart attack.
- Stroke: Covers the first-ever stroke.
- Kidney Failure: Covers end-stage kidney failure requiring dialysis.
- Major Organ Transplant: Covers the cost of a major organ transplant.
- Paralysis: Covers permanent paralysis of limbs.
Waiting Periods
There are standard waiting periods that apply before claims for a critical illness can be made:
- Initial Waiting Period: A 90-day waiting period from the policy start date for the first diagnosis of a critical illness.
- Survival Period: A 30-day survival period from the date of diagnosis of a critical illness.
- Pre-existing Diseases: A 48-month waiting period applies to claims for pre-existing diseases.
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