Niva Bupa Health Assurance Critical Illness Plan

What is the Plan all About?

Health Assurance-Critical Illness insurance policy is a Critical Illness health insurance plan which offers fixed benefits in the event the insured is being diagnosed with anyone critical illness specified. Prepare yourself with Niva Bupa Critical Illness plan and get the assistance you need to get back on your feet when your body undergoes treatment.

What are the Key Features?

20 Major Critical Illnesses Covered
Lumpsum Payout in case of a claim
2 Year Policy Tenure Option
Lifetime Renewability
Get Tax Benefits under section 80 D
Option to combine Personal Accident & Hospital Cash Benefits
Easy to buy online

What are the Plan Benefits?

Policy Benefits

Health Assurance -Critical Illness Plan covers 20 major critical illnesses and provides a guaranteed cash benefit equivalent to the sum insured on the diagnosis. 100% of the sum insured is paid out in the event the insured is being diagnosed with listed critical illness.

Value Added Benefits

Avail tax benefits u/s 80D as per IT Act, 1961 for a premium paid for this plan.
Lifelong Renewal of the Policy is applicable.
Direct Claim settlement by the Co.
Option to combine Personal Accident & Hospital Cash Benefits under this policy for comprehensive coverage.
2-year policy term available for long coverage.

Sub Limits

No Co pay/Cost sharing is applicable.

Waiting Period Clause

Initial Waiting Period: 90 days initial waiting period is applicable from the inception.
Survival Period Waiting Period: 30 days survival period applicable under this plan.
Pre Existing Disease Waiting Period: 48 months waiting period applicable for pre existing disease.

Product Snapshot

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years	Adult: 65 Years
Sum Assured	3 Lacs	10 Lacs
Cover Type	Individual	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Freelook Period	15 Days	-
Riders	Personal Accident & Hospital Cash	-
Plan Type	Online	-

Exclusions

Acquired Immuno Deficiency Syndrome (AIDS), AIDS-related complications, or infection by Human Immunodeficiency Virus (HIV)
Attempted suicide or self-inflicted injuries while sane or insane
Any Congenital Anomalies, inherited disorders or developmental conditions
Abuse of drugs and/or consumption of alcohol, or narcotics used by the Insured Person
Failure to seek or follow medical advice
War (whether war be declared or not), invasion, act of foreign enemy, hostilities, armed or unarmed truce, civil war, etc.
Taking part in any naval, military or air force operation during peace time
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.