Niva Bupa Health Assurance Plan

Niva Bupa Health Assurance Plan, offers comprehensive cover, with a combination of – Critical Illness Cover + Hospital Cash + Personal Accident Cover. It covers 20 critical Illnesses and can be taken as an individual or family floater.

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Guaranteed Cash Benefit
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Critical Illness Cover
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Life Time Renewability

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Niva Bupa Health Assurance Plan - Key Features

20 Critical Illnesses
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Guaranteed Cash Benefit

Critical Illness Cover
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Hospital Cash + Personal Accident Cover

Life Time Renewability
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Tax Benefit
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Under section 80D of Income Tax Act.

Niva Bupa Health Assurance Plan - Benefits

Critical Illness Cover

Critical Illness Cover

Hospital Cash Cover

Hospital Cash Cover

Personal Accidental Cover


2 year Policy Tenure Option

You can opt for 2 year policy tenure & avail discount.

Free look period

If the policy holder is not convinced with the terms and conditions of the policy, s/he can cancel the same within 15 days of the receipt of policy...

Family Floater

100% of sum assured (Applicable only for 2 Adults, No coverage for children)

How does the plan work?

Critical Illness Benefit:-
If s/he is diagnosed with any of the below critical illnesses, Guaranteed Cash Benefit paid on diagnosis:

Personal Accidental Cover
Sr. No Illnesses Covered
1 Cancer of Specified Severity
2 First Heart Attack of Specified Severity
3 Open Chest CABG
4 Open Heart Replacement or Repair of Heart Valves
5 Coma of Specified Severity
6 Kidney Failure Requiring Regular Dialysis
7 Stroke Resulting in Permanent Symptoms
8 Major Organ/Bone Marrow Transplant
9 Permanent Paralysis of Limbs
10 Motor Neurone Disease with Permanent Symptoms
11 Multiple Sclerosis Persisting Symptoms
12 Aplastic Anaemia
13 Bacterial Meningitis
14 Loss of Speech
15 End Stage Liver Disease
16 Deafness
17 End-stage Lung Disease
18 Fulminant Viral Hepatitis
19 Major Burns
20 Muscular Dystrophy

Personal Accident Cover Benefit:-

  • Accidental Death – Guaranteed Cash Benefit, in case of death of policy holder.
  • Permanent Total Disability – Compensation in case of Permanent Total Disability, due to an accident.
  • Permanent Partial Disability - Compensation in case of Permanent Partial Disability, due to an accident.
  • Unique Child Education Benefit – lump sum 5% of sum assured or Rs. 50,000 per child, whichever is lower, payment for children insured under the policy if the proposer’s claim for accidental death or permanent total disability has been accepted.
  • Funeral Expenses – an amount of Rs. 5,000 will be paid to the family in case of an accidental death of an insured person.
  • Worldwide Coverage – coverage against all the accidents 24*7 worldwide.

Hospital Cash Cover Benefit:-
Expenses like patient attendee’s lodgingnursing expensesmoney spent on commuting etc. The benefits available under hospital cash cover benefit:-

  • Daily Cash Benefit of Rs. 1000-4000/day of hospitalization (up to 45 days)
  • Double Cash Benefit for ICU (maximum up to 7 days)

Sum Assured options: - Below are the different levels of Sum Assured for Critical IllnessPersonal Accident Cover and Hospital Cash Cover

Sum Assured (in Rs.)
Benefit Level 1 Level 2 Level 3 Level 4
Critical Illness 3 lacs 5 lacs 7.5 lacs 10 lacs
Personal Accident 1000/day 2000/day 3000/day 4000/day
Hospital Cash 5 lacs 10 lacs 20 lacs 25 lacs

Exclusions - What is not covered in Niva Bupa Health Assurance Plan?

Initial waiting period – Critical Illness 90 days and Hospital Cash 30 days, from the policy start date.
Survival period – to avail benefits under critical illness, the life insured has to survive for 30 days from date of diagnosis.
Specific Waiting period – 24 months waiting period for specific illnesses under Hospital Cash Cover.
Pre-existing diseases – will not be covered until 48 months of continuous coverage.
General conditions for exclusions – Multiple claims will not be honored under Permanent Total Disability, Permanent Partial Disability or Critical Illness.
Specific Exclusions – Please refer to Health Assurance policy wording for specific exclusions related to Personal Accident, Critical Illness and Hospital Cash.