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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Niva Bupa Health Assurance Plan - Key Features
Guaranteed Cash Benefit
Hospital Cash + Personal Accident Cover
Under section 80D of Income Tax Act.
Niva Bupa Health Assurance Plan - Benefits
You can opt for 2 year policy tenure & avail discount. 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 100% of sum assured (Applicable only for 2 Adults, No coverage for children) Critical Illness Benefit:- Personal Accident Cover Benefit:- Hospital Cash Cover Benefit:- Sum Assured options: - Below are the different levels of Sum Assured for Critical Illness, Personal Accident Cover and Hospital Cash Cover Initial waiting period – Critical Illness 90 days and Hospital Cash 30 days, from the policy start date.
Critical Illness Cover
...
Hospital Cash Cover
Personal Accidental Cover
<... How does the plan work?
If s/he is diagnosed with any of the below critical illnesses, Guaranteed Cash Benefit paid on diagnosis:
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
Expenses like patient attendee’s lodging, nursing expenses, money spent on commuting etc. The benefits available under hospital cash cover benefit:-
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?
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.
