Niva Bupa CritiCare – Critical Illness Insurance

Benefits of Niva Bupa CritiCare – Critical Illness Insurance Policy

• Sum Insured Options: ₹3 lacs to ₹200 lacs
• Age of Entry:For Adults 18 yrs to 65 yrs
• Policy Tenure:1 / 2 / 3 years
• Coverage Allocation:
  For Family Option (on Floater Basis):
  • Self (policyholder) : 100% of Sum Insured
  • Spouse : 100% of Sum Insured

• Option 1
  • For Individual Option : Lumpsum equal to 100% of Sum Insured
  • For Floater Option :
    • Coverage for Self : 100% of Sum Insured
    • Coverage for Spouse : 100% of Sum Insured

• Option 2
  • For Individual Option : Lumpsum equal to 100% of Sum Insured + Staggered Payment equal to 10% of Sum Insured p.a subsequently as Income for 5 years
  • For Floater Option : Lumpsum equal to 100% of Sum Insured + Staggered Payment equal to 10% of Sum Insured p.a subsequently as Income for 5 years

• Cancer of specified severity
• Open chest CABG
• First heart attack of specified severity
• Open heart replacement or repair of heart valves
• Stroke resulting in permanent symptoms
• Permanent paralysis of limbs
• Coma of specified severity
• Kidney failure requiring regular dialysis
• Major organ/bone marrow transplant
• Motor neurone disease with permanent symptoms
• Multiple sclerosis with persisting symptoms
• End stage liver disease
• End-stage lung disease
• Major burns
• Loss of speech
• Deafness
• Aplastic anaemia
• Bacterial meningitis
• Fulminant viral hepatitis
• Muscular dystrophy

Specific Exclusions for CritiCare

• The Insured Person's attempted suicide or self-inflicted injuries while sane or insane; or
• Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person's abuse of drugs and/or consumption of alcohol; or
• Taking part in any naval, military or air force operation during peace time; or
• Participation in aviation/marine including crew other than as a passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airport or ports;
• Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc; or
• Participation by the Insured Person in a criminal or a breach of law with criminal intent