Niva Bupa Health Assurance Personal Accident Plan

What is the Plan all About?

Niva Bupa’s Health Assurance personal accident plan is a comprehensive personal accident plan which covers accidental death and disability. The lumpsum fixed benefits are paid out in case of the insured event.The plan provides additional riders like hospital cash and coverage against listed 20 critical illnesses.

What are the Key Features?

Accidental Death Covered
Accidental Partial & Total Disability covered
2 Year Policy Tenure Option
Direct Claim Settlement
Option to combine Critical Illness & Hospital Cash Benefits
Easy to buy online
Worldwide Coverage

What are the Plan Benefits?

Policy Benefits

Accidental death is covered under this plan. In the case of accidental death of any insured person, 100% of the sum assured is payable under the policy.
Accidental permanent total disability is covered. In the unfortunate case of permanent total disability, the Co. pays 125% of the sum assured.
Accidental permanent partial disability is covered. If an insured incur a permanent partial disability through an accident, the Co. pays up to 100% of the sum assured.
In case of accidental death or permanent total disability, Child Education benefit is available under this plan. This is only applicable for plans where children are covered.
Any funeral expenses are covered in the case of the accidental death of any insured member.
Sum assured on a family plan that covers yourself, a spouse, and up to 2 children, you are entitled to 100% of the amount, your spouse is entitled to 50% or Rs. 10 Lacs, and your children are entitled to 20% of the amount or Rs. 2 Lacs.
The Guaranteed cash benefit is available under this plan.

Value Added Benefits

Lifelong Renewal of the Policy is applicable.
Direct Claim settlement by the Co.
Option to combine Critical Illness cover & Hospital Cash Benefits under this policy for comprehensive coverage.
2-year policy term available for long coverage.
Worldwide Coverage is available under this plan.

Sub Limits

Capping under Child Education benefit is 5% of your sum assured or Rs. 50,000 (whichever is lower) is lower.
Funeral expenses are covered up to Rs. 5000, in the case of the accidental death of any insured member.
Under Family cover, the main insured is entitled to 100% of the amount, your spouse is entitled to 50% or Rs. 10 Lacs, and your children are entitled to 20% of the number of Rs. 2 Lacs.
The Accidental death benefit is limited to 100% of the sum assured.
The Accidental permanent total disability is limited to 125% of the sum assured.
The Accidental permanent partial disability is limited to 100% of the sum assured.

Waiting Period Clause

No waiting period is applicable under this policy.

Product Snapshot

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Child:5 Years	Adult: 60 Years, Child: 21 Years
Accidental Death Sum Insured	5 Lacs	25 Lacs
Cover Type	Individual/Family	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Freelook Period	15 Days	-
Riders	Critical Illness & Hospital Cash	-
Plan Type	Online	-

Exclusions

Suicide or self-inflicted injury, whether the Insured Person is medically sane or insane.
War (whether declared or not), invasion, the act of the foreign enemy.
Service in the armed forces, or any police organization, of any country at war or at peace; or military or air force operations during peacetime.
Any change of profession after the inception of the Policy which results in the enhancement of your risk, if not accepted and endorsed by Niva Bupa on the Schedule of Insurance Certificate.
Committing an assault, a criminal offense, or any breach of law with criminal intent.
Inhaling any gas or fumes, accidentally or otherwise, except accidentally in the course of duty.
Participation in aviation other than as a fare-paying passenger in an aircraft that is authorized by the relevant regulations to carry such passengers between established aerodromes.
Engaging in or taking part in professional sports or any hazardous pursuits.
Any disability arising out of Pre-existing Conditions if not accepted and endorsed by Niva Bupa.
Participation in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable
Participation in a criminal or a breach of law with criminal intent
Engaging in or taking part in professional sports or any hazardous pursuits, etc.